NJ Bankruptcy Law Firms

66 East Main Street, 3rd Floor
Little Falls, NJ 07424
NJ Bankruptcy Law Office Logo (Transparent) dictating Ralph A. Ferro Jr., Esq's Law Practice

Get Bankruptcy Help – BK is not a Failure

New Jersey Bankruptcy Lawyer!

With 30+ Years of Proven results!
"I personally meet with You and represent You!"
"I have never Lost a Chapter 7 Bankruptcy Case"
"Experience = Results"
About Ralph A. Ferro Bankruptcy Lawyer

Get Bankruptcy Help – BK is not a Failure

Medical Debt Bankruptcy

Written and Verified by Ralph A. Ferro, Jr., Esq.

BK is not a Failure – Get Bankruptcy Help.

When you decide to Get Bankruptcy Help, the stigma with filing bankruptcy, in the past, is just not the same today.   BK Help is a positive.

In the Past,

  • Individuals with good credit could assume they qualify financially to obtain a mortgage or to refinance.
  • Regular monthly payments and expenditure expenses are met
  • Sufficient moneys exist to pay for items without the use of credit cards


  • Difficulties in increasing limits on a credit card.
  • Increased costs and pricing for necessities are eroding our savings and disposable income
  • Individuals/families cannot find a way to pay their regular monthly mortgage payments and essentials
  • Health care deductibles and monthly payments are high
  • Gas pricing is up
  • Childcare costs are rising

What Happens?

  • Individuals/families try to use their credit cards to pay “normal” expenses.
  • Situation spirals until it is out of control.
  • Hardworking families are devastated with their situation.

Unfortunately, with the embarrassment that individuals feel, they wait too long to come to a bankruptcy lawyer. There is no embarrassment or shame when you get bankruptcy help.   Instead it is a way to face current financial situations, make a fresh star, take a positive step and address their money problems.

Most definitely, consideration to get bankruptcy help is a positive move to chart a new path and protect your future.

When someone comes to the realization that things are just not getting better; the creditor calls are increasing, credit lines are maxed out, and their homes could be in foreclosure, individuals should look for the advice from an experienced BK attorney.

In summary:   When you get bankruptcy help:

  • No one should be embarrassed to file bankruptcy
  • Decide now to determine if bankruptcy is right for you,
  • Set up an appointment with me; I specialize in bankruptcy filings.
  • Bankruptcy should be viewed as a fresh start for the future rather than you failed.
  • Sometimes not filing for bankruptcy protection is the failure

Get BK Help Now!

I offer a free bankruptcy consultation.  A face-to-face meeting is available.   I provide expert legal bankruptcy help advice to determine how NJ bankruptcy benefits your financial situation.

Call Me Today:  Whether you are located in:

Bergen County,   Essex County,    Hudson County,   Morris County,    Passaic County Sussex County,   Union County   – I can Help you.