Experienced Legal Representation

Debt Relief In New Jersey And New York

There are many companies that offer to help you reduce or eliminate your debts, and many people are taken in by their advertisement campaigns. Most do not have the vast experience possessed by the Law Offices of David J. Finkler, P.C. Mr. Finkler and his team have successfully helped hundreds of clients get the “fresh start” permitted under the Bankruptcy Code.

The best approach for someone facing insurmountable debt is to work with an experienced lawyer who can walk them through the process of obtaining bankruptcy relief. The Law Offices of David J. Finkler, P.C., provides exceptional representation in New Jersey and New York. Attorney Finkler has been successfully representing clients in bankruptcy matters since 1990, more than 30 years ago.

If you are facing serious debt problems, attorney David J. Finkler can help you get the relief you are entitled to through the bankruptcy laws.

Call Attorney Finkler to discuss your specific situation and let him guide you through the complicated Bankruptcy Code.

Chapter 7 Bankruptcy

Recently the highest Federal Court in New York ruled that some private student loans CAN BE DISCHARGED in a chapter 7 bankruptcy case. If you are contemplating filing for bankruptcy in New York, and have student loans, please call our office to discuss whether the student loan debt will be canceled when you receive your bankruptcy discharge.

Chapter 7 is the “liquidation” option. For those who qualify, Chapter 7 usually eliminates all unwanted unsecured debt, allowing to get a fresh start on your financial life. For many qualified Chapter 7 applicants, debt discharge can be obtained within a few months and does not result in the loss of your assets.

Chapter 13 Bankruptcy

Chapter 13 is a little more complicated than Chapter 7. Instead of immediate debt discharge, Chapter 13 focuses on debt reorganization. It allows you to keep your assets that have value and allows you to pay back all or a portion of your debt over time (usually 60 months).

Filing bankruptcy is one of only a few methods to stop creditor harassment. As soon as you file for bankruptcy relief, it puts an automatic stay into effect, which means that lenders and their collection agents are legally prohibited from engaging in collections efforts against you. This means that we can immediately stop the harassing phone calls, texts, emails, wage garnishments, foreclosures or repossessions.

Our offices are electronically connected to the Bankruptcy Courts allowing us to file immediately in an emergency.

Help Through The Process

While bankruptcy can be a helpful tool for anyone in serious debt, the process can be challenging and complicated. As an experienced attorney, David J. Finkler can help you through the process to get you the debt relief you need.

Call the Law Offices of David J. Finkler, P.C., at 201-584-7823 or fill out the firm’s contact form to schedule a free consultation to discuss your case.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.