Lazaro Carvajal

North Bergen, New Jersey Bankruptcy Lawyer

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.

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Call today & Speak with a dedicated Bankruptcy & Family Attorney In North Bergen & Union City, NJ today
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

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.

Chapter 13 Bankruptcy

Chapter 13

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.

New Jersey Bankruptcy

New Jersey Bankruptcy

Bankruptcy Attorney Serving North Bergen, NJ and the rest of Hudson County, including Harrison,
Hoboken,Jersey City, Kearny, and West New York


North Bergen, New Jersey Bankruptcy Lawyer

Contact a Bergen County Bankruptcy Attorney Today

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 AreasJersey City Banrkuptcy

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 creditorsHoboken Bankruptcy Filing
  • 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

Clients Testimonials

Law Offices of Lazaro Carvajal
2035 John Fitzgerald Kennedy Boulevard
North Bergen, NJ 07047

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