Hackensack Bankruptcy Lawyer
Considering Bankruptcy or Other Type of Debt Relief?
Bankruptcy can be a fresh start for you. It can enable you to start over again without debt.
Filing for bankruptcy is not as uncommon as you may think. In fact, in 2010 almost as many people in the U.S. filed for personal bankruptcy protection (approximately 1.5 million) than graduated 4 year colleges and universities in the United States. You undoubtedly know someone who received a fresh start after filing for bankruptcy relief. It has always and continues to provide folks from all walks of life who have fallen on hard times a fresh start.
Filing for bankruptcy relief will put those harassing calls, letters and lawsuits by your creditors, along with the headaches and worries they bring, to an end.
If you are in a situation where your bills are piling up, you cannot see a way to pay them, and you are looking for a solution, bankruptcy may be that solution and certainly an option you should consider.
By paying the minimum monthly payment on most credit cards it would take approximately 22 years to pay off the debt. In most cases, for the amount that a single debtor or joint debtors (husband and wife) pay for their debts every month, debtor(s) can forever be debt free. If you are at risk of losing your home, if you are facing lawsuits by your creditors, or have other financial stresses that you do not know how to handle, it is probably time to consider bankruptcy as a debt relief option.
There are three types of bankruptcy - Chapter 7, Chapter 11, and
Chapter 13. Personal Bankruptcy falls under Chapter 7 or 13. Mr. Alster will meet with you personally to explain the details of the bankruptcy process and provide you with answers to all of your questions. Together we will determine which Chapter, 7 or 13, is most appropriate and advantageous to you.
Now is the Time to Act
With current economic conditions, the high unemployment rates, and the subprime housing bubble burst, times are hard for a lot of people across America. Many people are finding out that they do not have the means to pay for the debt that they have accumulated. Often this is because an unexpected event, such as sudden job loss, an illness, or an injury has caused extenuating circumstances and they do not have the savings to be able to handle those expenses. Over half of all bankruptcies in America today cite medical bills as part of the reason that they are in need of debt relief. In helping our clients survive and get a fresh start, not a single client has ever involuntarily lost any of their assets to a creditor.
Other Options May be Available
Bankruptcy is only one of the available solutions to debt relief. Although many individuals may discover that the bankruptcy laws enacted by the federal government will save them from financial ruin and give them a fresh start, there are other cases in which bankruptcy may not the best and certainly not the only legal option. Other types of debt relief include creditor workouts where a payment agreement is worked out with creditors and where the monthly payments are radically reduced, or the possibility of applying for a
mortgage loan modification. The most important action to take is to contact a competent attorney to discuss your situation, and get the help you so badly need. With a review of your situation, Mr. Alster can advise you as to what can be done to end the stress and worry that come with overwhelming debt.
The Law Offices of Marc G. Alster offers a free initial consultation to assist you in determining the best way to achieve debt relief for you and your family. When you are no longer able to pay your reasonable household expenses and make regular payments to your creditors, it is crucial to get legal advice from a skilled debt relief attorney as early as possible. Should bankruptcy not be a viable option, Mr. Alster will discuss other
alternatives to bankruptcy with you. It is important to realize that when individuals are represented by an experienced bankruptcy attorney, creditor(s) often become more interested in working out a solution. Mr. Alster is a seasoned bankruptcy attorney who can often negotiate favorable settlements with creditors in lieu of bankruptcy, if that is the more appropriate option the clients might decide on.
Contact a Teaneck bankruptcy lawyer today!
The Law Offices of Marc G. Alster is not a high volume "bankruptcy mill." You will never be "just another client" when dealing with The Law Offices of Marc G. Alster. Mr. Alster and his experienced staff take a very personal approach with each client. Mr. Alster, a skilled practitioner for over 23 years, provides each client with a personal and thorough evaluation of their particular situation. The best strategy for solving each client's financial burden is determined, and a specific plan that best suits the client's situation will be promptly put into action. Mr. Alster carefully selects which clients he represents. His case load is managed to assure that the personal attention provided to each client is not compromised. Individuals referred to the Law Offices of Marc G. Alster through our website are offered a free and thorough evaluation of their financial circumstances. Do not take chances with your financial future. You should not make any serious decisions until you have met with an experienced bankruptcy attorney. If you are experiencing financial stress, we certainly hope you will contact the Law Offices of Marc G. Alster without further delay.
Need an attorney for a bankruptcy case in Hackensack, NJ?
Mr. Alster has helped thousands of people throughout the last 23 years. No Chapter 7 client has ever involuntarily lost a single asset to a creditor through the bankruptcy process. Read Testimonials of Mr. Alster's satisfied clients that he has helped over the years. The firm offers a free initial consultation to every prospective clients, so call to schedule your case evaluation today at (201) 878-4630.
Contact a Teaneck bankruptcy attorney from the firm, the road to financial freedom begins today!
2 University Plaza Drive #311
Hackensack, NJ 07601
We also proudly serve clients in Bergenfield, Englewood, Fair Lawn, Lodi and Teaneck, NJ.
Marc G. Alster is a bankruptcy lawyer practicing in the following New York, Rockland, Westchester, and New Jersey Counties:
NEW JERSEY COUNTIES: Bergen, Passaic, Hudson, Sussex, Warren and Union
NEW YORK COUNTIES: Rockland, Westchester, New York, Kings, Queens, and Bronx.
Allendale, Alpine, Bergenfield, Bogota, Carlstadt, Cliffside Park, Closter, Cresskill, Demarest, Dumont, East Rutherford, Edgewater, Elmwood Park, Emerson, Englewood, Englewood Cliffs, Fair Lawn, Fairview, Fort Lee, Franklin Lakes, Garfield, Glen Rock, Hackensack, Harrington Park, Hasbrouck Heights, Haworth, Hillsdale, Ho Ho Kus, Leonia, Little Ferry, Lodi, Lyndhurst, Mahwah, Maywood, Midland Park, Montvale, Moonachie, New Milford, North Arlington, Northvale, Norwood, Oakland, Old Tappan, Oradell, Palisades Park, Paramus, Park Ridge, Ramsey, Ridgefield, Ridgefield Park, Ridgewood, River Edge, River Vale, Rochelle Park, Rockleigh, Rutherford, Saddle Brook, Saddle River, South Hackensack, Teaneck, Tenafly, Teterboro, Upper Saddle River, Waldwick, Wallington, Washington Township, Westwood, Woodcliff Lake, Wood-Ridge, Wyckoff.
Bardonia, Bear Mountain, Blauvelt, Chestnut Ridge, Clarkstown, Congers, Garnerville, Haverstraw, Hillburn, Monsey, Nanuet, New City, Nyack, Orangeburg, Palisades, Pearl River, Piermont, Pomona, Ramapo, Sloatsburg, Sparkill. Spring Valley, Stony Point, Suffern, Tallman, Tappan, Thiells, Tomkins Cove, Upper Nyack, Valley Cottage, Wesley Hills, West Haverstraw, West Nyack
Mount Vernon, White Plains, New Rochelle, Tarrytown, Elmsford, Yonkers, Bronxville, Scarsdale and Hartsdale.