Is Bankruptcy Available

Yes Bankruptcy is still available! No, the government never eliminated Bankruptcy! The Bankruptcy Rules changed but bankruptcy is still available to many people who find themselves in financial difficulty. Every year, thousands of people file a New Jersey Bankruptcy Case!

When you are in debt, it can be a difficult experience. You are bombarded with calls and letters from creditors and their representatives. It can seem like there is no way to make it all stop. If you do not know your rights, you could become a victim of creditors and their collection practices.

There are solutions when you find yourself in financial difficulty. For many people, personal Bankruptcy can be the answer. Bankruptcy is designed to allow you a fresh start. It can allow you to get your finances in order and put many of your problems behind you. Bankruptcy is governed by federal law. It is your right to take advantage of these laws.

New Jersey Bankruptcy is a legal procedure for dealing with the debts of New Jersey individuals and New Jersey businesses. To begin a New Jersey Bankruptcy, a New Jersey individual or New Jersey business, called the "petitioner," files a New Jersey Bankruptcy Case under the Federal Government's Bankruptcy laws -- one of the Chapters of title 11 of the United States Code (the New Jersey Bankruptcy Code).

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. For example, the individual New Jersey Bankruptcy Debtor's main goal 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.

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.

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