Bergen County, New Jersey Chapter 7 Bankruptcy Lawyer
Are you tired of feeling angry and frustrated about your debt? If so, Chapter 7 consumer bankruptcy may be the answer you are looking for.
I am attorney John L. Schettino, and from my offices in Hackensack, I help people throughout New Jersey get the debt relief they need.
If you are tired of dealing with creditors and paying interest on a debt you cannot pay, it is time to find a permanent solution.
A Different Perspective on Your Legal Concerns
Contact the Law Offices of John L. Schettino
Consumers have trouble with debt for all sorts of reasons. From job loss and mounting medical bills, to credit card debt that built up over time, everyone goes through tough financial times. When you start getting harassing calls from creditors and you face the threat of home foreclosure, it is time to take action.
Chapter 7 bankruptcy will provide immediate relief, as it will put an immediate end to creditor harassment, wage garnishments, and repossessions. As soon as your file for Chapter 7 bankruptcy, you will get the debt relief you are looking for.
Although the law has changed, most individuals are still eligible to file for Chapter 7 bankruptcy protection. I will guide you through every step of the process and help you understand the options, and prepare your initial bankruptcy application.
Chapter 7 and Home Foreclosure
Chapter 7 bankruptcy will not put an end to foreclosure, However, if you are in serious debt and you do not have the means to make payments, it may be a good way to help you get a new start:
- If you file for bankruptcy before the foreclosure is complete, you may be able to delay the loss of your home.
- After a foreclosure, the IRS treats the money you owed the bank as a "forgiven" loan, which is taxable income. If you file for bankruptcy before the foreclosure, you do not have to pay taxes on what you owed the bank.
- If you have already gone through foreclosure and still owe money to the bank, Chapter 7 can discharge that debt as well.
Whatever you decide to do, it is important to avoid high credit loans, such as payday loans. When you secure further loans at a high interest rate to pay off your existing debt, you are just going to secure more debt down the line and make things worse.
Contact Me for a Free Consultation
You want to get immediate debt relief that keeps your long-term goals in mind. With more than twenty years of legal experience, I am ready to help you through the entire process, and your case will never be passed to a legal assistant or paralegal. Contact me today for a free initial consultation.
Law Offices of John L. Schettino, LLC | |
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Hackensack, New Jersey attorney John L. Schettino represents clients throughout southeast Bergen County and surrounding areas in communities such as Fairview, Cliffside Park, Edgewater, Ft. Lee, Hackensack, Leonia, North Bergen, Palisade Park and Ridgefield.Bergen County | Hudson County | |