I hope you find my web site useful and informative, and that it answers your questions. However, you should know that this site's content is no substitute for a consultation with an attorney. Each person's case is different, and the pages on this site are designed specifically to provide general answers on New Jersey law and bankruptcy filings in New Jersey (and not for any matters outside New Jersey). For that reason, this site cannot serve as legal advice on your particular case, nor should you assume the existence of an attorney-client relationship either by reading its pages or contacting me initially by e-mail. I encourage you to contact me and schedule an appointment to come in. Let me give you a legal opinion based on your case that will help you specifically.