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Manchel
New Jersey
Bankruptcy Law
Where you will find numerous links and drop-down links explaining how bankruptcy works in detail.
MANCHEL NEW JERSEY BANKRUPTCY LAW
30 Years in Practice
Where Other Bankruptcy Attorneys Go for Answers
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Bankruptcy Law and Loan Modifications
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That’s All We’ve Ever Done
Robert Manchel, ESQ
Certified as a consumer law
Bankruptcy attorney
The actual text of the bankruptcy law refers to this certification as a lawyer possessing high ethical standards and a high level of skill, expertise, and experience in consumer bankruptcy law.
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Immediately upon any bankruptcy filing, the following actions stop:
- Creditors’ telephone calls; collection letters; lawsuits;
- Wage attachments; bank levies; utility shutoff; auto repossession
- Foreclosure actions, and evictions.
Typically, people file a chapter 13 case for the following reasons:
- Save house
- Save car
- Don’t meet chapter 7 criteria, but want to elminate debt
Typically, people file a chapter 7 case for the following reasons:
- Completed in 4 months
- No bankruptcy payments required
- All unsecured debt eliminated
- Keep all property,unless behind with payments
- Other attorney’s mistakes due to inexperience, mismanagement, laziness and excessive billing may be irreversible.