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

Are you struggling to cope with overwhelming debt and don’t know where to turn? Look no further than the Law Office of Lazaro Carvajal. No matter how dire your situation may seem, we can help you untangle yourself from the stranglehold of debt. 

For over a decade, Lazaro Carvajal has been helping individuals, families, and businesses throughout North Bergen and Hudson County overcome a wide range of financial hardships through the bankruptcy process. 

To learn if bankruptcy is the right choice for you, schedule e a free initial consultation, call 201-281-5577 

It’s important to realize that filing for bankruptcy is not a sign of weakness or defeat. Nor is it punishment for having debt. People from all walks of life and income brackets turn to bankruptcy for debt relief. It’s common to fall on hard times. Unforeseen events such as a job loss, medical condition, or failed business venture can devastate you financially leaving you no choice but to seek protection under bankruptcy. 

Bankruptcy Services 

Bankruptcy attorney Carvajal takes the time to assess your financial situation to see if you qualify for: 

Chapter 7

Chapter 13

Mr. Carvajal will help you navigate every stage of the bankruptcy process including:

  • Creditors Counseling 
  • Filing for bankruptcy with the Bankruptcy Court for the District of New Jersey
  • Automatic Stay
  • Meeting of Creditors
  • Chapter 7 Means Test 
  • Chapter 13 Repayment Plan 

What Can Bankruptcy Do for Me? 

Breathe an immediate sigh of relief by: 

  • Stop harassing phone calls and letters from creditors 
  • Discharge most, if not all of your unsecured debts 
  • Stop foreclosure on your home
  • Stop garnishment of your wages and levies on your bank accounts
  • Prevent repossession of your vehicles
  • Restore or prevent termination of utility service 

Get a Fresh Start With Chapter 7 Bankruptcy

Chapter 7 is the quickest way to “wipe the slate clean” and discharge unsecured debts such as credit card debt, medical bills, payday loans, and collection accounts. Chapter 7 is known as a liquidation bankruptcy in which a trustee sells non-exempt assets and distributes the proceeds to your creditors. Fortunately, most people do not lose property in a Chapter 7 bankruptcy if they take advantage of state and federal exemptions. 

Reorganize Debt with Chapter 13 Bankruptcy

A Chapter 13 bankruptcy allows you to organize your debt and come up with a plan to repay your creditors over a 3-5 year period. 

You can use Chapter 13 to: 
  • keep valuable non-exempt property
  • stop foreclosure of your home or repossession of your vehicles
  • makeup missed mortgage or vehicle payments
  • stop interest from accruing on your tax debt

New Jersey Bankruptcy Court

New Jersey residents must file for bankruptcy with the United States Bankruptcy Court for the District of New Jersey.  That court has 3 courthouses that serve the district located in Newark, Camden, and Trenton. 

Filing Fees:

  • Chapter 7 filing fee: $355
  • Chapter 13 filing fee: $310

Start Your Journey to Financial Freedom Today! 

Is your financial situation keeping you up at night? The  Law Office of Lazaro Carvajal represents individuals, families, and businesses facing bankruptcy in North Bergen and throughout Hudson County. Call today 201-281-5577 to schedule a free consultation with a seasoned bankruptcy attorney.