Do you need help with your debts?

I’m nearby and can help you today.

Call (201) 446-5904 for a free in-person consultation.

Ralph A. Ferro, Jr., Esq. Bankruptcy Lawyer

Looking for a nearby Morris County NJ Bankruptcy Attorney?

Ralph A. Ferro, Jr., Esq. is a Bankruptcy Law Firm conveniently located in Little Falls, NJ, less than 30 minutes from Morris County.

Being a history buff, I appreciate Morris County, which has significant historical significance to our country.

During the Revolutionary War, Morris County was known as the Military Capital of the American Revolution. Its strategic location prompted Gen. George Washington and his Continental Army to make winter encampments near Morristown on two different winters.

I am here to provide a free, in-person, zero-obligation bankruptcy consultation at Ralph A. Ferro, Jr., Esq—Law Firm in Little Falls.

Your historical financial situation does not have to be your future.

When you want help with your financial debts, I can provide a Free In-Person Bankruptcy Consultation. For a nearby Morris County, NJ, Bankruptcy Attorney

Look to:

Board Certified Bankruptcy Attorney Ralph A. Ferro, Jr., Esq. Board Certification is an important criterion when hiring an attorney specializing in bankruptcy.
Ralph A. Ferro, Jr. successfully relieved thousands of debtors of their debts.
We have a 100% success rate with all filed Chapter 7 Bankruptcies

See why a smaller law firm may be your best choice. Please check our client reviews.

You May Be Struggling to Meet:

Monthly expenses. Little, if any, discretionary money is left in your budget.
Mortgage payments. Falling behind with payments and unable to make monthly payments. Is a foreclosure keeping you up at night? You want to stay in your home and catch up on your mortgage payments. I can STOP FORECLOSURE.
Medical Bills. Out-of-pocket medical costs are preventing you from meeting your essential monthly expenses.
Credit Card Payments. Making the monthly minimum payments, but the balances and interest rates are skyrocketing.
Business Expenses. Want to keep your business operating while you get your business expenses to be manageable?

Car Payments. If your leased car is worth less than the balance of payments or you have a vehicle repossession, I can help you get your repossessed vehicle back or eliminate the $ deficiency after a repo sale.

Ongoing Expenses – Have your creditors filed wage garnishments? – I can Stop garnishments immediately.

Property Tax Payments—You have not been able to pay your property taxes. I can help you with past-due payments and Stop your property tax sale.

Has there been a tax sale? Call me immediately.

I am here to meet with you and see how I can best serve you in Morris County. I will provide options for your financial situation, enabling you to get out of debt.

Contact me: Ralph A. Ferro, Jr., Esq. You can always reach me directly on my cell phone provided below:

Morris County NJ Bankruptcy Attorney (201) 446-5904.

Morris County NJ Chapter 7 Bankruptcy Law Firm

Morris County NJ Chapter 13 Bankruptcy Law Firm

During the Chapter 7 bankruptcy process, only non-exempt assets will be turned over to your creditors.
There are many exemptions available under the Bankruptcy Code which enable you to keep numerous common assets, e.g., bank accounts, cars and your home, furnishings, jewelry, personal items, etc.
Although your exemptions are analyzed on a case-by-case basis, most times after utilizing your exemptions, you don’t have to pay back anything to your creditors.
There is no need to carry the burden of debts that you just will never be able to pay back. The interest rates and monthly fees continue to multiply making it impossible to meet your monthly obligations.

You are then debt free. Timeline: Normally 90 days.

During the Chapter 13 bankruptcy process a reorganization of your debts, individuals keep all of their assets, even if they exceed the exemptions.
The main difference between a chapter 13 and a chapter 7 bankruptcy, you pay what you can afford back.
Although it can vary case by case, debtors can pay creditors as little as 5 cents on $1.
You do not want to lose assets that you have equity and worked hard to acquire.
Don’t let the bank and/or your creditors dictate what you must pay back.

You are Debt Free – Timeline: Normally 3-5 years. At times, there are 36 month Plans

Looking for a nearby