I have over 28 years of proven results representing both individuals and businesses in NJ Bankruptcy Law. I have worked on a multitude of cases ranging from Chapter 7 Bankruptcy Cases, Chapter 11 Bankruptcy Cases, Chapter 11 Subchapter V Cases, and Chapter 13 Bankruptcy Cases as well. I have a 100% success rate for all cases filed via Chapter 7 Bankruptcy.
My practice focuses entirely on bankruptcy. Bankruptcy is a very specialized field. 100% focus on this particular area of law allows me to provide clients with the best bankruptcy representation and attention to their needs. I devote my practice to bankruptcy and continually keep current with the challenges of bankruptcy and diverse situations that arise.
My practice focuses entirely on bankruptcy. Bankruptcy is a very specialized field. 100% focus on this particular area of law allows me to provide clients with the best bankruptcy representation and attention to their needs. I devote my practice to bankruptcy and continually keep current with the challenges of bankruptcy and diverse situations that arise.
Services
About Us
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You can read About Ralph A. Ferro Jr, Esq. and NJ Bankruptcy Law Firm via our reviews, credentials, education, success rate as you look through our website. When clients first contact us, they are scared/frustrated/embarrassed/angry at themselves for getting into this financial situation. We get to know my client's unique financial situation.
Board Certification
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We recommend you hire a Board Certified Bankruptcy Attorney, hiring a lawyer with expertise in any specialized field of law can be bewildering. However as a client, you want to be sure your lawyer is experienced in the bankruptcy field of law. Unfortunately, prospective clients usually have little objective criteria to rely upon.
Stop Foreclosure
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Stop Foreclosure today, it can be upsetting and scary. You receive a complaint that your lender is seeking Court action to foreclose on your home. You need to know that you have an option to Stop the Foreclosure that enables you to keep your home. I will meet with you personally and determine if Ch. 13 is an option for you.
Chapter 7 Bankruptcy
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Chapter 7 Bankruptcy is a liquidation of a debtor's non-exempt assets (*see below for examples of exempt assets & non-dischargeable debts). Although called liquidation, frequently there are no assets to liquidate and you obtain approval to no longer pay any of your debts. If eligible, a person or business has a great opportunity to eliminate debts (both consumer and non-consumer) and move forward in a relatively short period of time (approx.
Chapter 11 Bankruptcy
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Chapter 11 is similar to Chapter 13 Bankruptcy since the Debtor creates a Plan of Reorganization ("Plan") and pays back creditors over a period of time. Through the Plan, not all your debts are paid back and there is a possibility that a small portion is paid to your unsecured creditors. This is all worked out through the filing of a Petition and a Plan.
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