Law Office Of Ronald E. Norman, LLC

How to File for Bankruptcy in NJ | Law Office Of Ronald E Norman

Find out what bankruptcy might do for your situation.
The Law Office of Ronald E. Norman, LLC offers one-time, no obligation consultations to New Jersey Debtors. To get your free consultation,
call attorney Ronald E. Norman at 856-374-3100,
send him an email
at rnorman@rnormanlaw.com
or
click
here to fill out a free evaluation form.




Why File For New Jersey Bankruptcy – What Can A New Jersey Bankruptcy Case Do For Me?

Most New Jersey Bankruptcy Debtors filing a New Jersey Bankruptcy Case are looking for a fresh start by seeking to be relieved from or to receive help in paying their debts.  While completing the a New Jersey Chapter 7 Bankruptcy Case or Chapter 13 New Jersey Bankruptcy Plan, the New Jersey Bankruptcy debtor is usually protected from lawsuits, garnishments and other creditor actions. 

The individual New Jersey Bankruptcy Debtor's main goal in a New Jersey Chapter 7 Bankruptcy Case or a New Jersey Chapter 13 Bankruptcy Case is to keep certain property and to receive a New Jersey Bankruptcy Discharge order of debts – a type of release from debt - that covers as many debts as possible.  Many New Jersey Debtors file a New Jersey Bankruptcy Case to get a Discharge of debts. A New Jersey Bankruptcy Discharge order is a Court Order which prohibits all creditors which were listed in the Discharge from collecting the debts.   Under the New Jersey Bankruptcy Code, certain debts of New Jersey Bankruptcy Debtors are Dischargeable and if those debts are Discharged by the New Jersey Bankruptcy Court, the New Jersey Bankruptcy Debtor has no liability for the New Jersey Bankruptcy Discharged debts.  New Jersey partnerships and New Jersey corporations do not qualify for the New Jersey Bankruptcy Discharge of debts in New Jersey Chapter 13 Bankruptcy Cases. 11 U.S.C. § 727(a)(1). Although an individual New Jersey Chapter 13 Bankruptcy Case usually results in a New Jersey Bankruptcy Discharge order of debts, the right to a New Jersey Bankruptcy Discharge order is not absolute and some debts are not Discharged. Also, a New Jersey Bankruptcy Court Discharge does not extinguish real estate liens.

Filing a a New Jersey Chapter 7 Bankruptcy Case or Chapter 13 New Jersey Bankruptcy Case immediately results in an "automatic Bankruptcy stay" being applied to the New Jersey Bankruptcy Debtor.  This “automatic Bankruptcy stay” automatically stops the following:

  • certain types of wage garnishments
  • certain types of evictions
  • lawsuits
  • repossessions
  • sheriff’s sale
  • foreclosure
  • wage garnishments
  • credit card bill collection activity
  • medical bills collection activity
  • most types of civil judgment collection activity
  • other types of collection activity, such as phone calls from bill collectors demanding payment of overdue bills
  • utility disconnections due to nonpayment of bills.   It is common for utility companies to stop providing utility services (such as electricity, water or phone services) when customers fail to pay their bills on time.

A a New Jersey Chapter 7 Bankruptcy Case or Chapter 13 New Jersey Bankruptcy Case may also help to restore a New Jersey Bankruptcy Debtor’s suspended driver’s license.  There are some exceptions to the protection provided by New Jersey Bankruptcy Cases.  Speak with a New Jersey attorney to learn more about those exceptions.

A Chapter 13 New Jersey Bankruptcy Case automatic stay provision also protects co-debtors. Unless the New Jersey Bankruptcy Court authorizes otherwise, a creditor may not seek to collect "consumer debts" - debts incurred by an individual main debts are those incurred by an individual primarily for a personal, family, or household mainly for personal, family or household purposes - from any individual liable for the debt along with the New Jersey Bankruptcy debtor.

The New Jersey Bankruptcy Court clerk gives notice of the New Jersey Bankruptcy Case to all creditors whose names and addresses are provided by the New Jersey Bankruptcy Debtor.  There are certain exceptions to what types of activities are stopped by the automatic Bankruptcy stay.  Also, if a New Jersey Bankruptcy Debtor fails to take certain actions as required by the New Jersey Bankruptcy Code, New Jersey creditors may get relief from the automatic Bankruptcy stay.

Will A New Jersey Bankruptcy Case Make It Illegal For Creditors To Keep Harassing Me About Bills?

Yes!  Filing a New Jersey Bankruptcy can stop creditor harassment.  It is a violation of federal law for a creditor to continue efforts to collect a debt after receiving written notification of a Debtor's filing Bankruptcy. Once the automatic Bankruptcy stay is in effect, your creditors must contact your attorney (if you are represented by one) and are forbidden by federal law to contact you except under very specific circumstances.

What is a New Jersey Bankruptcy Case Discharge?

The New Jersey Bankruptcy Debtor usually receives a New Jersey Bankruptcy Discharge order in their Chapter 7 New Jersey Bankruptcy Case or Chapter 13 New Jersey Bankruptcy Case if the New Jersey debtor:

  • the New Jersey Bankruptcy Case is not dismissed.
  • the New Jersey Bankruptcy Case is not converted to another Bankruptcy Chapter.
  • the New Jersey Bankruptcy debtor finishes an approved financial management course - if the United States Bankruptcy Trustee or New Jersey Bankruptcy Court  administrator determined that such courses are available to the New Jersey Bankruptcy debtor.
  • the New Jersey Bankruptcy debtor makes all payments under the New Jersey Chapter 13 Bankruptcy Reorganization Plan.
  • the New Jersey Bankruptcy debtor is current in their domestic support obligations and signs a certification saying so.
  • the New Jersey Bankruptcy debtor has not received a Discharge in a previous New Jersey Bankruptcy Case in a specific period of time.
  • the New Jersey Bankruptcy Court holds a hearing and concludes there is no reason to think there exists any pending matter limiting the New Jersey Bankruptcy debtor's homestead exemption.

With certain exceptions, Chapter 7 New Jersey Bankruptcy Case or the New Jersey Chapter 13 Bankruptcy Discharge may release the New Jersey Bankruptcy debtor from:

  • certain debts listed in the Chapter 7 New Jersey Bankruptcy Case.
  • all debts covered in the New Jersey Chapter 13 Bankruptcy Reorganization Plan or disallowed.
  • further debt collection efforts as to any Discharged obligations by creditors provided for fully or partially in the New Jersey Chapter 13 Bankruptcy Reorganization Plan.
  • debts for willful and malicious injury to property.
  • debts incurred to pay nonDischargeable tax obligations.
  • debts from property settlements in divorce or separation proceedings.

If certain debts are never fully paid under the New Jersey Chapter 13 Bankruptcy Plan, the New Jersey debtor remains responsible at the end of the New Jersey Chapter 13 Bankruptcy Case for those remaining debts.  There are other specific types of debts that may not be Discharged under the New Jersey Chapter 13 Bankruptcy Reorganization Plan. 

Even if the New Jersey Bankruptcy debtor failed to complete the New Jersey Chapter 13 Bankruptcy Plan, in certain situations, the New Jersey Bankruptcy debtor may be able to get a special kind of New Jersey Bankruptcy Court Discharge order, called a "hardship Discharge."

Before filing a New Jersey Bankruptcy Case, New Jersey Bankruptcy Debtors should discuss the scope of the New Jersey Bankruptcy Case Discharge that the New Jersey Bankruptcy Debtor might receive if they file and successfully complete a New Jersey Bankruptcy Case.

Should I Try To Handle My New Jersey Bankruptcy Case Myself?

Some people can and do successfully handle New Jersey Bankruptcy Court Cases, from filing the first paperwork to the entry of a New Jersey Bankruptcy Court Discharge order.  However, many other people also make mistakes that lead to the dismissal of their New Jersey Bankruptcy Court Cases or that result in the entry of money judgments against them.  Since so much can be at stake in a New Jersey Bankruptcy, you should seriously consider using the services of a competent attorney licensed to practice law in New Jersey to handle your New Jersey Bankruptcy Court Case.  The following are reasons to use an attorney to handle your New Jersey Bankruptcy Court Case:

  • New Jersey Bankruptcy Court fees often change
  • New Jersey Bankruptcy Court rules often change
  • New Jersey Bankruptcy Court employees cannot give you “free” legal advice and a judge may refuse to let you claim that you were right in taking an action (or in deciding not to take action) because you relied on advice from such employees
  • New Jersey Bankruptcy Court forms available on websites may not cover every situation you may face in Court
  • each New Jersey Bankruptcy Court Case has its own particular legal issues and therefore, its own challenges
  • it is very common for people to file inadequate or incorrect New Jersey Bankruptcy Court petitions that result in problems with the New Jersey Bankruptcy Court Case because of procedural or other deficiencies.  
  • it is not uncommon for New Jersey Bankruptcy judges to get very frustrated by an unrepresented party’s lack of preparation or ignorance of the facts or law of the New Jersey Bankruptcy Court Case. 
  • a Court has the power to punish unprepared parties, such as by fining them, throwing their New Jersey Bankruptcy Court Case out of Court or limiting what they can present to the New Jersey Bankruptcy Court. 
  • Federal and New Jersey law includes many published Cases, laws, regulations, Court rules and rules of evidence that can be very tricky to understand and that can be used to prevent you from doing much of what you want to do in New Jersey Bankruptcy Court. 
  • it is very common for  New Jersey Bankruptcy Courts to refuse to allow a party to use or refer to documents or items at the New Jersey Bankruptcy Court. 
  • without the proper preparation, items and documents may never be considered by the New Jersey Bankruptcy Court.  Also, if there are any legal issues to be dealt with at the New Jersey Bankruptcy Court hearing or trial, you must be prepared to argue them, which may require you to refer to Court rules, evidence rules, laws, regulations or published Cases. 
  • you cannot show up at the New Jersey Bankruptcy Court expecting the judge hearing your New Jersey Bankruptcy Court Case to explain Court rules, evidence rules, Court procedure or the details of the law that applies to your New Jersey Bankruptcy Court Case.  The judge hearing your New Jersey Bankruptcy Court Case is not permitted to give you legal advice.

It is important to remember that even if you have an attorney, you could lose your New Jersey Bankruptcy Court Case.  Hiring an attorney to handle your New Jersey Bankruptcy Court Case does not guarantee your success.  However, it may provide what is needed to successfully complete your New Jersey Bankruptcy Court Case or to avoid certain mistakes.

Does The Law Office of Ronald E. Norman, LLC Have Experience Handling New Jersey Bankruptcy Cases?

Yes.  The Law Office of Ronald E. Norman, LLC is dedicated to protecting the rights of consumers. We handle Bankruptcy Cases only in the State Of New Jersey. We take Bankruptcy Cases from anywhere in the State of New Jersey.  The Law Office of Ronald E. Norman, LLC is designated as a Federal Debt Relief Agency.  The Law Office of Ronald E. Norman, LLC has performed the following tasks:

  • handled New Jersey Bankruptcy Cases for people and businesses across New Jersey, including representations of individuals and businesses.
  • filed thousands of New Jersey Bankruptcy Petitions
  • settled New Jersey debt disputes for New Jersey creditors and New Jersey Debtors.
  • prepared and filed many New Jersey Bankruptcy Petitions
  • personally appeared in all 3 of the New Jersey Bankruptcy Courts - Camden, New Jersey – the United States Bankruptcy Court For The District of New Jersey, Camden Vicinage,

Trenton, New Jersey – the United States Bankruptcy Court For The District of New Jersey, Trenton Vicinage and Newark, New Jersey – the United States Bankruptcy Court For The District of New Jersey, Newark Vicinage

  • appeared at New Jersey Bankruptcy 341 hearings – New Jersey Bankruptcy first meeting of creditors’
  • successfully argued New Jersey Bankruptcy Court motions
  • represented New Jersey Debtors in New Jersey Bankruptcy Court
  • represented New Jersey Debtors in New Jersey post judgment collection proceedings

The Law Office of Ronald E. Norman, LLC Offers To Handle New Jersey Bankruptcy Cases For New Jersey Individual Debtors And New Jersey Business Debtors Located Across New Jersey

The Law Office of Ronald E. Norman, LLC offers to handle and help individuals living and businesses located in North Jersey, Central Jersey and South Jersey, including individuals living and businesses located in the following New Jersey counties:

Atlantic County, NJ

Bergen County, NJ

Burlington County, NJ

Camden County, NJ

Cape May County, NJ

Cumberland County, NJ

Essex County, NJ

Gloucester County, NJ

Hudson County, NJ

Hunterdon County, NJ

Mercer County, NJ

Middlesex County, NJ

Monmouth County, NJ

Morris County, NJ

Ocean County, NJ

Passaic County, NJ

Salem County, NJ

Somerset County, NJ

Sussex County, NJ

Union County, NJ

Warren County, NJ

 

How Do I Learn More About What A New Jersey Bankruptcy Case Can Do For Me?

Find out what bankruptcy might do for your situation.
The Law Office of Ronald E. Norman, LLC offers one-time, no obligation consultations to New Jersey Debtors. To get your free consultation,
call attorney Ronald E. Norman at 856-374-3100,
send him an email
at rnorman@rnormanlaw.com
or
click
here to fill out a free evaluation form.


LAW OFFICE OF RONALD E NORMAN, LLC
WASHINGTON PROFESSIONAL CAMPUS II
901 ROUTE 168, SUITE 407A
TURNERSVILLE, N.J. 08012
TEL. 856-374-3100
EMAIL:  rnorman@rnormanlaw.com

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