Bankruptcy lawyer


Caring New Jersey Bankruptcy Lawyer Counsels Distressed Debtors

Compassionate attorney Ed Wiercinski helps clients find debt relief

Filing for bankruptcy is an important decision that has significant implications for your life. But when mounting debt begins to feel unmanageable, bankruptcy is a legal option that can provide relief. At the Law Office of Edward R. Wiercinski, I help clients decide whether filing for bankruptcy is the most effective way for them to take control of their debt. I understand the stress you face and am committed to easing your emotional and financial burdens.

Responsive advocate provides debt analysis

My firm assists people with overwhelming debts. I analyze your case to determine if bankruptcy will advance your immediate and long-term financial goals. I will review your debts, income and expenses, and explain the full effects of bankruptcy on your family, business, homeownership and access to credit. If bankruptcy is the right choice, I provide detailed information about the bankruptcy process and a complete picture of the outcome you should expect. My upfront approach to bankruptcy gives you confidence in your decisions about your financial future.

Experienced counselor explains your bankruptcy options

  • The U.S. Bankruptcy Code provides relief for businesses and consumers. Each has different eligibility requirements and different advantages in particular situations. Filing a bankruptcy petition automatically triggers an automatic stay, meaning creditors must immediately stop collections letters and phone calls, wage executions and seizing of your bank accounts, for further information go to my BANKRUPTCY CHAPTER 7 PAGE.

The most common forms of bankruptcy for Consumers are:

  • Chapter 7 bankruptcy — This chapter involves no payment back to your Creditors, for further information go to my BANKRUPTCY CHAPTER 7 PAGE and BANKRUPTCY QUESTIONS AND FACTS PAGE.
  • Chapter 13 bankruptcy — This chapter permits you to pay off debts under a court-ordered installment plan extending three to five years and depending on your case the payment may be pennies on the dollar amount owed. This option provides numerous advantages such as keeping your home even when in the arrears, possibly eliminating 2nd mortgages, keeping your current car, reducing high auto principal balances, eliminating interest payments on debt etc. for further information go to my BANKRUPTCY CHAPTER 13 PAGE, and BANKRUPTCY QUESTIONS AND FACTS PAGE 

If bankruptcy is the right choice for you, I will stay at your side, guiding you through the process from start to finish.

Contact an experienced New Jersey bankruptcy attorney TODAY to discuss your unique financial situation and receive the knowledge needed to make the best decision possible.

Take your first steps toward debt relief today. Call the Law Office of Edward R. Wiercinski at 856-489-0580 or contact me online to schedule your free bankruptcy consultation