New Jersey Bankruptcy Law

At Todd Murphy Law, Bankruptcy is our primary practice area. 

Bankruptcy is your bail-out. Even though society has drilled into our heads that bankruptcy is worse than death, bankruptcy laws were created to help people and businesses handle debt that is out of control. 

A Fresh Start With Chapter 7 Bankruptcy: Chapter 7 bankruptcy is the most common type of bankruptcy for most people and will discharge all of your debts so you can be debt free. It assumes you don't have any assets with any value (i.e. a home but without equity) and your income is below median income for New Jersey. Chapter 7 offers a simple and effective way to eliminate all of your debts and get a fresh start.

Chapter 13 Bankrutcy/Repayment Plan: Chapter 13 bankruptcy allows you to keep any assets you may have with value while you set up a repayment plan for some of your debts and discharge others . Its the bankruptcy option to choose if you are trying to save your home from foreclosure. 

Call Now - FREE 30 minute consultation  

(862) 217-2136  

Recover from life events with Bankruptcy: So many of us have suffered from life events that have left us unable to pay the bills and mortgage. In seemingly unmanageable debt and behind on mortgage payments, with bill collectors and lenders threatening: calling day and night and sending nasty letters, we have to take control of the situation and level the playing field.  

Hold off The Dogs: Often bankruptcy can be a very effective tool for fixing debt and credit collection problems. It stops harassing callers, lawsuits, wage garnishments, bank levies and even sheriff sales.  

Bankruptcy is a lifesaver: Bankruptcy can help you take control of your credit problems right now and can also help you save your home from foreclosure.  

Call Now - FREE 30 minute consultaiton

(862) 217-2136

How We Help  

If you're lying awake at 2 am, worrying about not knowing how to save your home- you should be able to find the answer here. Browse around our website to find answers to most if not all of your questions.  

Go ahead, take a look and get all of the free information you want. By the time you've read some case studies and articles, studied our consumer guide and watched some of our videos and webinars, you'll be a mini-expert on the subject.  

If you can't call now, book a Free 30-Minute Phone Appointment below.  

We get so many calls coming in throughout the day, and it can be difficult to connect with everyone. We rely upon technology to do the work for the both of us. My online calendar is right below with lots of day, evening and weekend time slots. 

Choose a time, and I will call you at the time you choose; it's as easy as that. 

Booking an appointment will ensure that we can reach one another and discuss your situation one-on-one. Then we can develop a strategy that works for you. I look forward to helping you!