Thank you for visiting our Bankruptcy Information Center. If your financial problems are out of control, or are causing you undue stress and hardship, you've come to the right place. We can help.

We understand that serious financial difficulties arise from many different circumstances: extended unemployment, long-term disability, serious illness, and overwhelming medical expenses to name a few. Every year thousands of hard-working Americans are forced into serious financial difficulties by circumstances well beyond their control. We also understand the toll that financial problems can take. If you are falling behind on your monthly debt payments you know the stress that comes from the constant telephone calls and threatening letters from collectors. The stress can destroy your confidence, your health, your relationships and your ability to perform at work.

Bankruptcy offers relief from your current debt and provides an opportunity to start over with most, if not all, of your unsecured, dischargeable debt wiped out. Filing for bankruptcy protection is a recognition that your financial situation is out of control and that the best road to recovery is to start over with a clean slate.

When you visit our law office for a free initial consultation we will review your financial situation. Based upon the information and statements you provide we will work with you to achieve the most practical solution to your financial pressures and help you to decide if filing for bankruptcy protection may be the answer. We will also guide you through the process of rebuilding credit after the bankruptcy is discharged. You may be surprised to learn how quickly you will be able to buy a home or car, or get a credit card, after completing the bankruptcy.

When you are ready to get a "fresh start", call our office to arrange for a free, confidential consultation with our bankruptcy attorney, Maureen K. Higgins, Esq. She can be reached at (908) 232-9962. We hope that knowing this law firm exists to take care of your financial pressures for you will help you to take the first step.

Two final thoughts:
First, if you are facing the loss of your home, call today. The sooner you ask for help, the better your chances of saving your home.
Second, if you are considering debt consolidation or a credit counseling service, call us before you commit to anything. We may be able to offer a smarter solution.