Consumer Bankruptcy
Newark, New Jersey Consumer Bankruptcy Attorneys
Unmanageable debt is a serious problem for many Americans. Whether you are unable to make a mortgage payment or feel overwhelmed by creditors or collection agencies, you are not alone. At the Law Offices of Duroseau, Lamarre & Ortiz, LLC, we offer experienced and effective legal services to individuals and families coping with considerable consumer debt.
When you or your family is overwhelmed by debt, relief is available. Contact an experienced bankruptcy attorney today to explore all of your bankruptcy options and alternatives.
The government provides bankruptcy as an option because without it consumers would simply be unable to pay off a lifetime of debt. Bankruptcy is your right and a viable alternative that can allow you to move on with your life, unencumbered by excessive debt.
Are you overwhelmed by debt?
Are you unable to make a mortgage payment or pay off credit cards?
Do you fear losing your home to foreclosure?
When you are faced with the difficult decision of filing for bankruptcy, our attorneys will provide you with the information and guidance you need to make the best decisions. Whether you are seeking to protect the family home or you are having trouble with the IRS, we will work out a bankruptcy and payment solution plan tailored to your unique needs.
Every year millions of Americans take advantage of the debt relief offered by bankruptcy. If you have questions about your rights and bankruptcy options, please contact our firm.
We can assist you with the following:
Chapter 7: Chapter 7 bankruptcy is an option that allows you to eliminate all of your unsecured debt via the liquidation of your non-essential assets. This includes many types of debt, including both credit card debt and personal debt. (Please note some forms of debt, such as student loans, cannot be eliminated this way.) Chapter 7 is used by hundreds of thousands of Americans every year to help them recover from debt and move toward a stable financial future. Those who file for Chapter 7 are often able to retain their home, car and other necessary items.
Chapter 13: Chapter 13 is a bankruptcy option used by individuals and families who either do not qualify for a Chapter 7 or who want to protect secured property, such as a home. Under this form of bankruptcy, you submit a payment plan to the bankruptcy court which outlines how you will pay off a reduced amount of the total debt over a 3-5 year period. If you own a car, a home, or do not pass the means test for Chapter 7 bankruptcy, our attorneys can help you explore your Chapter 13 options and negotiate a payment schedule. Please note filing for Chapter 13 bankruptcy can also help stop foreclosure.
Contact our Newark, New Jersey office to speak with an experienced lawyer regarding a Chapter 7 or Chapter 13 bankruptcy. We will provide the advocacy you need for debt relief.
Flexible appointment schedules • Strategically located in the downtown business area of Newark • Hablamos Español • Nous parlons Français • Nou pale Kreyòl
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
