66 East Main Street, 3rd Floor
Little Falls, NJ 07424 (201)446-5904

Call Anytime [24/7]: (201)446-5904 to Speak with:
Ralph A. Ferro, Jr., Esq.

Bankruptcy Protection

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Ralph A. Ferro, Jr., Esq.

Board Certified in Consumer Bankruptcy Law

26 Years Proven results in NJ Bankruptcy Law

Free Consultation Call (201) 446-5904 (24/7)

          "I have never Lost a Chapter 7 Bankruptcy Case" *

          "I personally meet with you and represent you!"

          "Experience = Results"

 

stopforeclosureA frequently asked question I get from clients is:

How can filing bankruptcy protect my assets?

Upon the filing of a bankruptcy petition all actions against the debtor must cease/stop immediately. When I use the term immediately, I don’t mean within the next week or month. I mean the exact moment that the debtor files for bankruptcy, the exact date – hour – minute.

Bankruptcy is extremely time sensitive and clients should alert their attorneys of any pending law suits, wage garnishments, foreclosures, vehicle repossession, etc. If you file a bankruptcy petition, one minute before a Sheriff’s sale, wage garnishment, foreclosure, vehicle repossession, you will stop the action. You will receive bankruptcy protection immediately. Bankruptcy protection will stop your assets from being seized.

Examples of Bankruptcy Protection:

  • You receive a notice that your vehicle will be repossessed.
    What if my car is picked up right after I file for bankruptcy?
    Filing an immediate bankruptcy petition will legally prohibit that creditor from picking up your car at that time. You have bankruptcy protection so your car must be returned to you.
  • You receive a notice that your wages will be garnished in one day.
    What happens if wages are garnished anyway?
    Filing an immediate bankruptcy petition will stop that garnishment. Those garnished wages will be returned to you because of bankruptcy protection.
  • You just found out that a creditor put a lien/levy on your bank account and your funds are frozen.
    How can I remove the levy which has my funds frozen?
    Filling an immediate bankruptcy petition will place you into bankruptcy protection, unfreezing your funds and allowing you to withdraw the money.
  • You just received a notice that you are being sued by a credit card company or another creditor and the trial date is the next day.
    How can bankruptcy protection help?
    Filing of an immediate bankruptcy petition will stop that action and you will not have to appear in court.
  • You just found out that a creditor seized funds from your bank account.
    How can bankruptcy protection help?
    Filing an emergency bankruptcy petition will allow you to retrieve this money involuntarily taken by a creditor shortly before bankruptcy.
  • You receive notice of a Sheriff’s sale on your home or investment property and the sale date is in 3 hours.
    How can bankruptcy protection help?
    Filing an immediate bankruptcy petition will stop that sale.

Call me immediately (201) 446-5904 to help you get the bankruptcy protection you are entitled to by the Federal Government. ;Don’t let someone take your assets without asserting your rights.

 

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66 East Main Street, 3rd Floor
Little Falls, NJ 07424
Direct: 201-446-5904
Fax: 973-689-9558
Email: ralphferrojr@msn.com

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