Effective Debt Relief Solutions for Consumers in Bergen County and Hudson County
Are you struggling to cope with overwhelming debt and don’t know where to turn? You’re not alone. In the age of COVID-19, people from all walks of life and income brackets are finding it difficult to make ends meet. Thankfully, there are legal remedies available to ease your financial burdens.
The Law Office of Lazaro Carvajal helps Bergen County and Hudson County residents eliminate or reduce their debts under the U.S. Bankruptcy Code. Filing for bankruptcy is not an admission of personal failure or defeat. Rather, it’s an effective way to get your finances back on track. Bankruptcy lawyer Lazaro Carvajal provides compassionate support and expert legal advice at every stage of the bankruptcy process in New Jersey.
Serving North Bergen, NJ and the Rest of Hudson County: Secaucus, Union City, Weehawken, Harrison, Hoboken, Jersey City, Kearny, West New York, Guttenberg, East Newark, and Bayonne To set up an appointment, call Lazaro Carvajal today: (866) 918-1128
Chapter 7 Bankruptcy
If You’re In Need Of A Fresh Start, Choose Chapter 7West-New-York-NJ-Bankruptcy A Chapter 7 bankruptcy is designed to let you start over.
A Chapter 13 bankruptcy allows you to organize your debt and come up with a plan to repay your creditors
over a period that is typically within three to five years.
Mr. Carvajal is pleased to offer a FREE initial consultation to discuss your bankruptcy case. Call (866)918-1128 to schedule. He will take the time to assess your financial situation and recommend a debt relief solution best suited to your needs.
Bankruptcy Law Practice Areas
The Law Firm of Lazaro Carvajal provides comprehensive bankruptcy services in all areas of bankruptcy law, including:
Debt removal through Chapter 7 bankruptcy
Debt reorganization/repayment plan through Chapter 13 bankruptcy
Representation at 341 Meeting of Creditors
Debt Defense and Settlement
Deficiency Claim Defense
New Jersey Bankruptcy
Should I File for Bankruptcy?
There are a number of reasons why Americans go bankrupt. An unforeseen job loss, illness, or divorce can quickly wipe out savings and retirement accounts. Overspending and excess use of credit can lead to unmanageable debt. No matter what the source of your financial distress, you shouldn’t have to worry about how you’re going to pay your bills and care for your family. To help you evaluate whether bankruptcy is right for you, ask yourself the following questions:
Are creditors and/or bill collectors constantly calling you or sending you letters seeking payment?
Have you have fallen behind on mortgage and/or car payments?
Are you unable to pay household expenses such as rent, food, or utilities?
Are your wages being garnished?
Has your landlord threatened to evict you?
Is the bank foreclosing on your home?
Benefits of Filing for Bankruptcy
There are many benefits to choosing bankruptcy — namely, the opportunity to reduce or eliminate debt. In addition, when you file for bankruptcy in New Jersey, the court grants you an automatic stay. This is an order that can:
stop harassing phone calls and letters from creditors
halt foreclosure proceedings on your home
stop wage garnishment and levies on your bank accounts
prevent repossession of your vehicles
restore or prevent termination of utility service
stops someone from suing you for medical debt, credit card debt, car accident damages, or a breach of contract
“Professional speedy service! He erased the fear of going to court and walked me through every step. He takes payment in installments if that is what suits your financial situation, which is helpful! Lastly, he was always available to answer any questions. I’d recommend this attorney to anyone.”
– Kevin Ibahn
“Professional speedy service! He erased the fear of going to court and walked me through every step. He takes payment in installments if that is what suits your financial situation, which is helpful! Lastly, he was always available to answer any questions. I’d recommend this attorney to anyone.”
