Everyone that comes into my office does not want to file bankruptcy; that is understandable. As a result, they are looking for alternative solutions to their financial problems. They should absolutely do this, as my office should be thee last stop on the train. Although this is something I actively discuss with people, the solutions available can be limited, and depend upon your situation.

What Can You Do Besides File Bankruptcy?

Many things come into play, such as the total amount of the debt, the number of credit cards, whether you are a homeowner, and if so, if there is any equity in it. These are the ones I usually discuss:

Unfortunately, for most people, these alternatives are not the best solution; bankruptcy is.

So What Do I Do?

The decision on whether to file bankruptcy or choose one of the alternatives is a difficult one. If you need some help with this, then then download my free book, Am I In Too Deep? A Guide to Knowing When You Need to File Bankruptcy in New Jersey to find out if bankruptcy might be the right solution.

You can also take the quiz to the right!

If you live in Burlington, Camden, Gloucester, Salem or Cumberland County, have already looked into these alternatives and do not see them helping you, and you are ready to move forward, please feel free to call my office at 856-432-4113 or contact me through this site for a free consultation.

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Steven J. Richardson
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Bankruptcy, Collections, Student Loan, DUI and Traffic Court attorney in Woodbury, NJ.