Practice Devoted to the Rights of Personal & Business Debtors
Learn how the law may protect you by The attorneys at Gillman, Bruton & Capone, are experienced bankruptcy attorneys who have been representing clients in the New Jersey Bankruptcy Courts since 1981. Our vast experience in Chapter 7, Chapter 13, and Chapter 11 Bankruptcy cases will allow us to give you all of your potential rights and remedies, and allow you to make a good decision about how to proceed.
For Over Three Decades We Have Affirmatively Represented Debtors Before the Bankruptcy Courts
Our Expertise Assures That Our Clients Fully And Effectively Use The Right and Remedies Provided By the Bankruptcy Laws
Contact Us For A Free Attorney Case Review By A Lawyer Who is
NJ Bankruptcy Law Specialists
Middlesex County – Edison
Monmouth County – Freehold
Monmouth County – Spring Lake
Ocean County – Toms River
Morris County – Madison
Many people misunderstand bankruptcy. They think they must surrender all their possessions and properties. We have had many clients tell us that had they known all the things bankruptcy could do for them, they would have come to us six months earlier.
A Chapter 7 Personal Bankruptcy, often called a “straight Bankruptcy” involves an individual or married couple seeking the protection of the Bankruptcy Laws where they are hopelessly burdened with debt and offers a fresh start by eliminating that debt through a Discharge. A Chapter 7 Bankruptcy proceeding may take as little as four to five (4-5) months to complete after it is filed.
Chapter 13 Bankruptcy is a reorganization of debts designed to help property owners keep their homes, cars and other valuable assets while getting a handle on debts. By filing Chapter 13, you may be able to stop foreclosure, repossession, wage garnishment and debt lawsuits, and significantly reduce or eliminate credit card debt. Gillman, Bruton & Capone can help you determine if Chapter 13 is right for you.
Once a Chapter 7 Bankruptcy is filed, creditors must immediately cease all efforts to collect a debt including continuation of any law suits, wage garnishments, bank levy or harassing telephone calls and letters. Bankruptcy law forces creditors to stop all collection efforts against you as soon as you file your petition. This mechanism is called the “automatic stay” and it’s one of the main benefits of bankruptcy. Everything is put on hold, and you get much-needed breathing room.
One of the most frequent reasons for filing a Chapter 13 Petition and Plan is to allow a homeowner to avoid foreclosure and the loss of their home. Chapter 13 also prevents other creditors from collection activities such as creditor harassment, law suits, wage garnishment and auto repossession.
The number one comment we hear after meeting with clients is that they are finally going to be able to sleep at night. The most pressing concern for most people is to stop creditors from hounding them, which bankruptcy can accomplish. But that’s not the only relief. Once you realize that you’re not going to lose everything, you gain peace of mind. And that means you’re well on your way to restoring everything that matters to you.
Like so many people, my husband and I struggled with paying our bills and keeping up with mortgage payments while trying to support two children. We struggled with the thought of filing bankruptcy, but after speaking with Angela and meeting with Marc… [Read More]