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.
The Right Time to Act
These are hard times 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 Hackensack 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 almost 30 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 for almost 30 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 Hackensack bankruptcy attorney from the firm, the road to financial freedom begins today!
Office Location
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.
BERGEN COUNTY:
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.
ROCKLAND COUNTY:
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
WESTCHESTER COUNTY:
Mount Vernon, White Plains, New Rochelle, Tarrytown, Elmsford, Yonkers,
Bronxville, Scarsdale and Hartsdale.