man on bike after speaking with New Jersey collections lawyer

Increasing Debts, Bad Credit, Debt Collectors Hounding You: Is There Anything You Can Do in New Jersey?

When expenses continue to go up as income stays the same, drops, or goes away entirely with job loss, financial struggles are the end result. The bills mount up, and creditors and debt collectors keep calling and writing to the point where you are afraid to answer the phone or open the mail!  Despite your best efforts, you are now drowning in debts and facing bank levies, wage executions, or worse.

If you are coping with a meltdown of your personal finances in Gloucester, Camden, or surrounding counties, you need an experienced New Jersey debt relief lawyer. I'm here to help. 

You Have Rights

Federal and state laws exist to protect you from creditor harassment.  Creditors often use fear to get your money, and knowledge of your rights can empower you to fight back.

You Have Options

All is not lost and, despite what creditors and debt collectors may tell you, your life will not be over if you don’t pay them in full by the end of the week.  There are ways to get back on your financial feet. Dispel the fear by knowing what creditors can do to you in an effort to collect.  Get answers to questions like:

You Have a Future

There are ways to get back on your feet and rebuild your credit, even if you have filed for bankruptcy.  Getting that credit score back up is not as hard as you think! Find out about:

Confidential, Personalized Service From an Experienced Debt Relief Attorney

You are not alone in the struggle! I have been practicing collection law for over 25 years, and for many of them, I represented creditors.  I know how they think, and I know what they can do.  When you come to me for help, you won't have to tell your story to a variety of legal assistants of unknown experience or competence. I will personally study your file and take care of your case, drawing on my experience in the Burlington, Camden, Gloucester, Salem, and Cumberland County courts to protect your rights effectively. 

Here's what you can expect when you work with me: 

  • Experience Representing Creditors: Having spent over 25 years in collection law, with many of those years representing creditors, I have gained in-depth knowledge of how creditors operate and their strategies. This unique perspective allows me to anticipate their actions and effectively protect your rights.
  • Personalized Legal Assistance: When you seek my help, you will receive personalized attention directly from me, ensuring that someone with extensive experience in the local courts of Burlington, Camden, Gloucester, Salem, and Cumberland County handles your case. I avoid passing clients off to legal assistants, preferring instead to personally oversee each case to provide the most effective protection.
  • Fighting to Reduce Debts: I have a long history of helping people regain financial health by aggressively negotiating with creditors to lower their debts to more manageable levels. This approach aims to ease the financial burden on my clients, making their debt obligations more sustainable.
  • Negotiating Repayment Plans: Part of my strategy includes negotiating affordable repayment plans that fit my clients' financial situations. This approach helps clients avoid the more severe consequences of debt collection while working toward financial stability.
  • Protecting Your Assets: I am skilled in devising strategies to protect my clients' assets from creditors. This involves using legal mechanisms to safeguard personal and real property, ensuring that clients retain as much of their assets as possible.
  • Filing for Bankruptcy: When necessary, I assist clients in filing for bankruptcy, a legal process that can offer a fresh financial start by discharging or reorganizing debts. This step is often considered a last resort but can be a powerful tool for those facing overwhelming financial challenges.
Steven J. Richardson
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Bankruptcy, Collections, Student Loan, DUI and Traffic Court attorney in Woodbury, NJ.