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 problem. Although this is something I actively discuss with people, the solutions available can be limited, and depend upon your situation.

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?

But it can be difficult making this decision. 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.

If you have already looked into these alternatives and do not see them helping you, or you just want to see if bankruptcy is the right way to go, 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.


Richardson Law Offices