In Too Deep Knowing When You Need to File Bankruptcy in NJ

Get the book that answers the question you've been asking yourself: Are things bad enough that I need to file bankruptcy?

Being in debt is stressful, no question. Creditors are calling daily, the mail is filled with bills and demand letters, and debt collectors are scaring you with stories of wage garnishments and bank levies. You don't know what to do, but you know you need to do something. At the same time, you don't want to do anything that will make things worse, and are afraid that will happen if you file bankruptcy. If this sounds like you, you need to download and read this book to find out if you are in too deep and need bankruptcy to climb out. Ask yourself:

Are you afraid to answer the phone or open the mail?
Has a creditor levied a bank account or garnished your wages?
Have you borrowed against your pension to no avail?
Are you thinking about pay day or car title loans just to ge through the month?

I want to make sure that people choose the right solution to their financial problems, that they neither rush towards bankruptcy nor put it off for too long thinking that doing so is "too drastic." That is why I wrote this free book: to help you know whether you are in too deep!

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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.