Professional Debt Relief Services
At the Joseph A. Fortunato Law Offices in New Jersey, we have more than 30 years of experience guiding people through the bankruptcy process. We understand that people come to us for this service during one of the most stressful times in their lives, with the weight of debt bearing down on them and creditors harassing them at every turn. Our lawyers provide the first wave of relief simply by educating our clients about the options available and demonstrating that there is, in fact, hope for a future without these stresses.
Chapter 7 and Chapter 13 Bankruptcy
Even within bankruptcy, multiple options may be available. The type of bankruptcy most people are familiar with is Chapter 7. This is liquidation bankruptcy. The majority of debts are wiped out. Certain property may have to be given up in the process. Chapter 13 is a form of bankruptcy that allows people to keep property, instead eliminating debt over three to five years through a carefully designed payment plan. We weigh the options against each client's needs and circumstances, recommending the one that best applies.
Foreclosure Defense and More
Many clients come to us because they have been threatened with foreclosure. Bankruptcy is often an option to prevent foreclosure. However, our services also include foreclosure defense representation. We can also review options like mortgage modifications and short sales, which may be more appropriate depending on the situation.
Free Initial Consultation | Essex County Chapter 7 Bankruptcy Attorneys
Our experienced Montclair personal bankruptcy attorneys are as close as your phone: 973-866-5634. You can also reach us online by e-mail. We will accommodate your need for an evening or weekend appointment.