It wasn't supposed to be like this. High hopes, enthusiasm and hard work were going to give you and your family a stable and comfortable place in our competitive society. Instead, you are now drowning in debts and facing the dreadful possibility of losing everything you have.

The reasons why people go bankrupt are as varied as the people themselves: job loss, divorce, back taxes, medical bills, overspending, bad investments and more. Small and medium sized New Jersey businesses clobbered by the recession are also a source of personal financial distress.

If you are coping with a meltdown of your personal finances in Gloucester, Camden or surrounding counties there are two things I would like you to consider:

1. You are not alone. Thousands of people have gone through the legal process of seeking debt relief and protecting their assets through bankruptcy. It is a straightforward legal solution that is neither daunting nor shameful.

2. You have options. Fear and anxiety are your worst enemies. You can get rid of them by springing into action.

Advice from Bankruptcy Attorney Steve Richardson

The first thing to do is to collect all your financial information in a file. You will need this file for any future discussion about debt relief.
There is a lot of information on this website about bankruptcy. A look at the FAQs, the Library, the Blog posts and the News will clarify the process and take away many of the worries and questions you might have.

Second, talk to a bankruptcy attorney. I will discuss your case free of charge and open all the windows of opportunity. Bankruptcy law was designed for people in your situation to find relief and start a new life on a realistic base. All the many possibilities of discharging debt, protecting assets and getting rid of creditors will be explained in great detail.

Confidential, Personalized Service for New Jersey Bankruptcies

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 20 years of experience in the Camden, Gloucester and surrounding county district courts to effectively protect your rights. I have helped steer thousands of people back to financial health by fighting to reduce their debts to a manageable level, protecting their assets, or preventing home foreclosure.

How Much Do You Know About the New Bankruptcy Code?

The 2005 bankruptcy code has several new requirements to be met before filing, including a Credit Counseling Program. The agencies offering these services are all over the internet, which means choosing the right one is tricky. I can help you select a Government approved, non-profit New Jersey agency which will make this a smooth and inexpensive process. There is also a means testing analysis that can be rather complex, and which should not be attempted without the assistance of an attorney.

Need Help Rebuilding Your Credit After Bankruptcy?

I don't just wave goodbye to my clients after their bankruptcy filing is done. I offer all my New Jersey clients a unique and important service: credit rehabilitation advice.

After bankruptcy, you are allowed a fresh start. However, many obstacles will still stand in your way. You may think it is unfair, but your new financial balance, lifestyle and strict payment schedules will not immediately convince banks or credit card companies that you are credit worthy again. You will have to rebuild your rating, establish new credit lines and clean up your credit report. This is where my Credit Rehabilitation Program can help get back on your financial feet and restore your credit..

Don't hesitate: talk to Steve Richardson now and find out for yourself in a free no obligation conversation how he can help you. Call today at 856-432-4113 or send an email to discuss your case.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

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