Looking for a Bankruptcy Lawyer

Just a little known fact on Bankruptcy, since the laws on bankruptcy had changed, you might still have to pay back debts, but in a longer time period. Lawyers of course have to have upfront fees, since this is bankruptcy and they want to make sure the services they provide will be paid for. I know the fees are pretty stiff, but if it means having a peace of mind due to no collectors calling you , 10,000 notices in the mail being sent to you, then I think it is all worth it.

Have you ever watched the Suze Orman show? I think you should, and also, try to go on her website regarding so called debt management services. Some of them do charge you fees also.

And, I was just looking at the ages of your kids, maybe try getting a job yourself to help out in the finances. Your kids are pretty old now, where the teenager can help with the other two...

Maybe you should consider looking for a fulltime job, your kids are all school-aged.

That extra money can help you pay your debts.

I think Rebecca is right, try to do credit counceling first. If that isn't going to work for you, there is a great bankruptcy Attorney in Newark. Macey & Aleman, 888-303-0431. or you can go to www.legalhelpers.com there are a lot of great resources and tools on this site that might help you.

J.,

Is trying a credit counselor out of the question? I work at a credit union as a loan officer and I'm also in charge of the delinquent accounts. It is in your favor to try to pay at least some of your debts off. Look for a not-for -profit credit counselor and they will contact your creditors and get them to reduce or forgive finance charges and late pmt fees. Then they will work out a plan to pay off all your bills. You will send the counselor one pmt and they will divide it up among the creditors.

Attorneys are in business to make money, not to help you. They are quick to sell a bankruptcy because it is profitable for them. With the new bankruptcy laws you may have to try credit counselling first anyway. Try it on your own instead of being ordered by a court to do it. You will have more control over what happens to your money.

Good luck, I hope this info helps you.

R.

I don't know if NJ laws are different than NY but you don't actually need a lawyer to file for bancruptcy. I'd just google the information and I believe you can find the requirements for your state. That way you know what forms to use and only have to pay filing fees.

Good luck to you.