We know bankruptcy can be hard, having an experienced bankruptcy lawyer who will help go through all your options is important. Prior to making any decision to file for bankruptcy, we work with clients to consider alternative solutions of debt relief including debt negotiations, referrals to consumer credit counseling organizations or qualified mortgage brokers if refinance or reverse mortgages are appropriate considerations. As necessary, we will consider the availability of litigation to redress violations by creditors under the federal Truth in Lending laws, violations of the Fair Debt Collection Practices Act, or violations of the Fair Credit Reporting Act. Additionally, we will actively protect our clients rights under the Bankruptcy Code by litigating violations of the Bankruptcy Code by creditors including actions for damages as appropriate. Take the first step to a fresh start. Contact us to schedule a free consultation at any of our 5 offices located throughout New Jersey and speak with a professional bankruptcy lawyer.