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New Jersey Bankruptcy Lawyer Serving All Of NJ With 4 Offices
“ATTORNEY ROBERT MANCHEL ….WHERE OTHER ATTORNEYS GO FOR ANSWERS ON NEW JERSEY BANKRUPTCY LAWS.”
“ATTORNEY ROBERT MANCHEL ….WHERE OTHER ATTORNEYS GO FOR ANSWERS ON NEW JERSEY BANKRUPTCY LAWS.”While the country crawls out of the Covid 19 Pandemic, the U.S. economy is presently on a growth upswing. However, the average citizen continues to endure financial pressure and stress at a staggering rate. Issues such as the loss or reduction of income, increases in the cost of goods and services, the exorbitant costs of raising children and medical care expenses, result in responsible people being unable to cover their monthly expenses.
Nuisances like creditors’ telephone calls, collection letters, wage attachments, bank account levies, utility shutoff notices, auto repossessions, evictions and foreclosure actions are all examples of the types of harassment that many individuals have to deal with on a daily basis.
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NJ BANKRUPTCY INFORMATION:
- Bankruptcy glossary
- Bankruptcy statistics
- Bankruptcy FAQs
- NJ bankruptcy differences
- NJ Bankruptcy courts
- Who may be a debtor
- How does Automatic Stay work?
- Chapter 7 Order of Distribution of Assets
- Chapter 7 trustee duties and obligations
- Chapter 13 trustee duties and obligations
- If you’re behind payments in Chapter 13
- Priority Debt
- Bankruptcy Credit Counseling
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Bankruptcy can offer you a fresh start…
With so many individuals in such dire financial straits, many are turning to bankruptcy, either Chapter 7 or Chapter 13, to help them repair their financial situation. At its heart, bankruptcy is a form of consumer protection. Our country’s laws acknowledge that bad things sometimes happen to good people, and when consumers do not have the ability to comply with creditor’s repayment demands, bankruptcy allows them to have their qualifying debts forgiven.
BANKRUPTCY & HOW IT AFFECTS YOU:
Our New Jersey bankruptcy attorneys can provide options for saving your house from foreclosure, with or without bankruptcy protection.
BANKRUPTCY CAN HELP YOU:
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A NJ Bankruptcy Attorney on your side…
The entire bankruptcy process is constructed to be navigated by an experienced attorney. With so much at stake, it is vital that you hire a New Jersey bankruptcy lawyer to help protect your financial interests and explain the process, every step of the way.
Robert Manchel is Board certified as a consumer law bankruptcy attorney, by the American Board of Certification, which is accredited by the American Bar Association. Board Certification is highly regarded by bankruptcy practitioners. Board Certification requires rigorous standards relating to experience, peer review, continuing legal education, sophisticated knowledge of bankruptcy law and integrity. The bankruptcy reform law specifically recognizes and acknowledges the credibility of the certification.
New Jersey Bankruptcy Protection
Robert Manchel has unmatched experience in New Jersey bankruptcy law. His entire practice is devoted to bankruptcy and mortgage foreclosure resolution. Mr. Manchel has created this website as a resource for his readership and it contains extensive information to educate you on your financial options regarding bankruptcy.
Whether you are interested in personal bankruptcy filing via Chapter 7 or Chapter 13, or are the owner of a small or large business interested in filing for bankruptcy, Robert Manchel can help you! Contact his offices today for more information at 866-503-5655.
AFTER BANKRUPTCY:
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The attorneys with Manchel New Jersey Bankruptcy Law represent New Jersey residents with bankruptcy protection, who resided in the following NJ Counties: Cumberland, Atlantic, Monmouth, Salem, Gloucester, Camden, Burlington, Hunterdon, Somerset, Middlesex, Ocean and Mercer.
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Why Hire Us
I manage a small bankruptcy law firm that allows time for me to personally handle every case and obtain the best results. Achieving outstanding results requires experience, knowledge and the time required to perform the necessary work. I know what to do, how to do it, and care enough to put in the extra work that provides optimum results. It is very important that I obtain the greatest results for each and every client. Many law offices collect as many clients as possible and allow inexperienced people working on files, who are not the experienced law partners.
Experience
Mr. Manchel has limited his practice to bankruptcy and foreclosure resolution since 1994. He has handled numerous complex cases before the present trustees and presiding New Jersey judges. Knowing what each trustee looks for and their specific case process matters. Also, knowing what to ask a client and how certain facts effect various other issues matters. Furthermore, in consideration as to when and if to file, it is extremely important to know what to ask a client, the necessary detailed informational searches that are necessary, and how to properly counsel a client.
Certified
Robert Manchel is Board certified as a consumer law bankruptcy attorney, by the American Board of Certification, which is accredited by the American Bar Association. The U.S. Bankruptcy Code states that the Certification represents Skill & Expertise in the bankruptcy legal field. Also, Mr. Manchel has a degree in finance.
Reasonable Fees
My fees are always very reasonable. I charge flat fees on virtually all matters, with few exceptions. This means that I charge the same amount, even though I spend substantial time in my pursuit for optimum results. Other attorneys who charge on an hourly basis, bill clients their hourly rate for any and all services, including: telephone calls, emails, letters, time in court, traveling time, time to complete billing time sheets, etc. Additionally, in order to allow someone an opportunity to file for chapter 13 bankruptcy relief, who does not have substantial funds; typically, I only ask for the costs (up front) and no portion of my fee.
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Resources
New Jersey Bankruptcy Court
Credit Counseling & Debtor Education Information
Means Test Information
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FAQ
Questions About Filing Bankruptcy in New Jersey
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There is no definitive answer. Generally, bankruptcy has a negative effect on your credit and fico score. However, generally, people considering filing for bankruptcy have poor credit and fico scores. Poor credit results in the inability to obtain any credit or low cost credit. Prospective creditors are concerned that if you maintain substantial debt, the individual will pay the other debt and not them. The immediate effect of a bankruptcy will likely not have a substantial negative effect because the filer likely has poor credit. However, if one is able to eliminate the debt, through bankruptcy, the individual has an opportunity to repair their credit, within a reasonable time period.
Banks understand that an individual cannot file a Chapter 7 for another eight years. Most of our clients receive many offers and solicitations for credit, immediately after the bankruptcy is complete. In any event, this does not mean that bankruptcy is right for you.
No. An individual should file only if the filing benefits that particular individual. A bankruptcy filing of a husband who owes a debt without the wife, will not effect the non filing wife. A bankruptcy filing of a husband who owes a debt with the non filing wife, will not effect the wife, as well. However, in general, the creditor may pursue (with exceptions) the non filing wife with regard to a joint debt.
No. All creditors must be included. Generally, if you do not include a credit card, the credit card company will deny your use of the card, after filing.
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