Chapter 7 Atlantic Highlands Bankruptcy Attorney - Lombardi Law Firm - Atlantic Highlands Chapter Seven

Atlantic Highlands Chapter Seven Bankruptcy Lawyer - If you are considering a Chapter Seven Bankruptcy our Atlantic Highlands  Bankruptcy Attorneys can help you obtain the debt relief a Chapter 7 Bankruptcy provides.  Speak to a Atlantic Highlands  Chapter 7 Bankruptcy Attorney who can answer all of your Bankruptcy questions.  Home foreclosure and financial debt problems are facing all New Jersey residents.  A Chapter 7 bankruptcy will help eliminate debts and stay all debt collection efforts.  If you qualify for a Chapter Seven a discharge of almost all types of debt can be achieved. Federal courts have exclusive jurisdiction over bankruptcy cases. This means that a bankruptcy case cannot be filed in a state court. The primary purposes of the law of bankruptcy are to give an honest debtor a "fresh start" in life by relieving the debtor of most debts, and to repay creditors in an orderly manner to the extent that the debtor has property available for payment. A bankruptcy case normally begins by the debtor filing a petition with the bankruptcy court. A petition may be filed by an individual, by a husband and wife together, or by a corporation or other entity. The debtor is also required to file statements listing assets, income, liabilities, and the names and addresses of all creditors and how much they are owed. The filing of the petition automatically prevents, or "stays," debt collection actions against the debtor and the debtor's property. As long as the stay remains in effect, creditors cannot bring or continue lawsuits, make wage garnishments, or even make telephone calls demanding payment. Creditors receive notice from the clerk of court that the debtor has filed a bankruptcy petition. Some bankruptcy cases are filed to allow a debtor to reorganize and establish a plan to repay creditors, this is known as a Chapter 13 case, while other cases involve liquidation of the debtor's non-exempt property. In many bankruptcy cases involving liquidation of the property of individual consumers, there is little or no money available from the debtor's estate to pay creditors as most of the property is exempt from liquidation. As a result, in these cases there are few issues or disputes, and the debtor is normally granted a "discharge" of most debts without objection. This means that the debtor will no longer be personally liable for repaying the debts. Our Atlantic Highlands Chapter Seven Bankruptcy Lawyers can assist you in discharging your debts.  Our Lawyers can provide Atlantic Highlands residents Bankruptcy assistance they need to obtain a fresh financial future. 


The Lombardi Law Firm with its office in Atlantic Highlands can respond to your Chapter Seven Bankruptcy questions.  If you are facing telephone calls from creditors and the Sheriff has posted a notice that its office is seeking to seize your property out Chapter Seven Atlantic Highlands Bankruptcy Lawyers can help.   Gain back your financial health by eliminating your credit card and medical bill debts.  A wage garnishment can be asserted against you once a judgment is entered in favor of your creditors and this can seize a portion of your pay directly from your employer.   Once a bankruptcy is filed these collection efforts must as a matter of Federal Law stop and are immediately stayed by order of the Bankruptcy Court.  Our Chapter 7 Lawyers can file for Bankruptcy relief in most cases in less than three days and in an emergent situation immediately.  If you require an Atlantic Highlands Lawyer to eliminate your debts through Bankruptcy call our office today.