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

Passaic County NJ Bankruptcy Attorney

Your Passaic County Bankruptcy Attorney in Little Falls, NJ:

30+ years of professional legal experience specializing in bankruptcy law.

If you are experiencing financial difficulties and would like to determine if bankruptcy can help you,
Call me (201) 446-5904 for a Zero Obligation Free Bankruptcy Consultation.

Financial issues can cause stress and emotions that can be extremely difficult to manage on an ongoing basis. I realize that and want to help you.

Compassion is critical to my relationships with clients. I listen carefully to understand their current state of mind and financial situation.

I am board-certified in Consumer Bankruptcy Law by the American Board of Certification (only one other in Northern NJ).

Board Certification = Exceptional Results

Bankruptcy Lawyer Passaic County, NJ, provides you with expert bankruptcy advice.

Why is it essential for a bankruptcy lawyer to be board-certified?

You expect a doctor to be Board Certified, and you should expect your bankruptcy lawyer to be Board Certified.

When you hire me, you are assured that I have exceeded rigorous certification standards related to experience, continuing legal education, integrity, and peer review.

I am up-to-date and current with bankruptcy law matters. The board requires and approves Continuous Board Certification every five years.

Board Certification assures you I have a proven track record with superior results (100% success rate with all Chapter 7 Bankruptcy cases).

I represent individuals, small businesses, debtors, and creditors in all matters related to bankruptcy law in Passaic County, New Jersey.

My office is conveniently located at 66 E. Main Street, Passaic County, NJ, in Little Falls. I am on the Third Floor, and parking is on the premises. Olive Bistro Restaurant and Rita’s Ice are also located in the building. You can see my building if you scroll down.

Passaic County is a great community, and I hope to share my experience as a Bankruptcy Lawyer there. Most importantly, I never delegate to someone else. I handle your case from start to finish and beyond.

Contact me: Ralph A. Ferro, Jr., Esq., Passaic County NJ Bankruptcy Attorney | (201) 446-5904

Passaic County NJ Bankruptcy Attorney

Filing for bankruptcy is not a negative. I worked with many clients who felt in the past that bankruptcy was shameful and just wrong.

After discussions during our initial consultation and throughout the bankruptcy process, my clients understand bankruptcy. No longer do they carry any negative thoughts.

After filing bankruptcy, as you can see, some clients put their names in my reviews (in Google). Bankruptcy should be thought of as a process to improve your future. Bankruptcy is part of our government’s procedures to help with debt relief.

Congress has enacted and approved bankruptcy laws to help individuals and businesses to discharge or reorganize their debts.

Many celebrities have availed themselves of this process. Much like social security benefits, the bankruptcy process and relief are available to all who need bankruptcy to get a fresh start. Unemployment benefits are another way our government provides financial help, as with bankruptcy.

I care about my clients. Compassion is important in an attorney, and I demonstrate not only my bankruptcy abilities but also my compassion.

Please read my clients’ reviews. Learn more about me and I hope to meet with you soon.

I am here to help you with financial recommendations – My firm has helped others in Passaic County for over 30 years.

Please see my clients’ reviews

Chapter 7 Bankruptcy Passaic County

Liquidation Chapter. What does this mean to a debtor?

Retain certain assets
Remaining assets, if any, value is distributed pro rata to the debtor’s creditors
Most often, a debtor under a Chapter 7 has no assets
Keep exempt assets, e.g. leased/financed cars can be kept
There is a generous homestead exemption
If you are not a homeowner, you can use up to 50% of the homestead exemption for your other assets.

By filing Chapter 7, Ralph A. Ferro, Jr., Esq. Law Firm can help you get a fresh start and your debts eliminated.

Contact us right away for a free bankruptcy consultation. Stop worrying today.

Chapter 13 Bankruptcy Passaic County

Reorganization Bankruptcy What does that mean?

Most individuals file Chapter 13 bankruptcy to save their home from foreclosure due to past due mortgage payments.

Modify your mortgage and credit card or unsecured debt
Mortgage arrearages: you take your past due mortgage payments and spread the repayment over 60 months (5 years).
Credit Card and/or unsecured Debts: you can pay a low percentage back to your creditors, depending on your income and your assets. When we meet, I will evaluate your situation in detail.
Save your assets – you do not lose your assets.

However, many individuals file Chapter 13 Bankruptcy who do not own a home.