Camden County Bankruptcy Lawyer

Camden County is home turf for us. Our office is at 923 Haddonfield Road in Cherry Hill, inside Camden County, and the U.S. Bankruptcy Court for the District of New Jersey hears South Jersey cases about 15 minutes away at 401 Market Street in downtown Camden. If you live anywhere in the county, from Pennsauken to Winslow, this page walks through how filing actually works from here: where your case goes, what happens with your house, and what it costs.

Filing bankruptcy from Camden County at a glance

Where your case is filed	U.S. Bankruptcy Court, District of New Jersey (Camden vicinage), 401 Market Street, Camden
The 341 meeting of creditors	Held by Zoom as standard practice; most filers never travel to Camden
Sheriff foreclosure sales	First and third Wednesday of the month at noon, 520 Market Street, Camden
Our office	923 Haddonfield Road, Suite 336, Cherry Hill, right in Camden County

That last row matters. Plenty of firms advertise to Camden County from Philadelphia or North Jersey. We work here. If you’ve been searching for a bankruptcy attorney in Camden County, NJ who actually knows the local courthouse, the sheriff sale calendar, and the difference between a Lindenwold budget and a Voorhees one, that’s this office.

How filing works from Camden County

Every bankruptcy case from Camden County is filed in federal court, not county court. The U.S. Bankruptcy Court for the District of New Jersey hears South Jersey cases at its Camden vicinage, in the U.S. Post Office and Courthouse at 401 Market Street. Your lawyer files the case electronically, so there’s no trip downtown to start, and the trustee’s meeting of creditors, the 341 meeting, is held by Zoom as standard practice. Most Camden County filers finish their entire case without ever entering the courthouse.

The day the case is filed, the automatic stay generally stops collection calls, lawsuits, wage garnishments, and repossessions. From there, Chapter 7 typically wipes out unsecured debt like credit cards and medical bills within a few months, while Chapter 13 sets up a three-to-five-year repayment plan that can catch up a mortgage or protect property. Not sure which fits? Our Chapter 7 vs. Chapter 13 comparison lays the two out side by side, and the free consultation will give you a straight answer for your own numbers.

The towns we serve in Camden County

More than half a million people live in Camden County’s 36 towns, and the money picture varies enormously from one to the next. The county’s median household income runs around $93,000, but that average hides a wide spread: Camden city’s median is around $39,000 while Voorhees and Gloucester Township sit above $100,000. Debt trouble looks different in each place, and we’ve seen every version of it:

• Cherry Hill: the county’s largest town and home to our office at 923 Haddonfield Road.
• Camden: the county seat, where the bankruptcy court itself sits at 401 Market Street.
• Voorhees: comfortable on paper, until a layoff or a Virtua hospital bill rewrites the budget.
• Gloucester Township: roughly 67,000 people across Blackwood, Glendora, Chews Landing, Erial, and the Sicklerville area.

Those four are just the start. Camden County has 36 municipalities, and we serve every one of them: Audubon, Audubon Park, Barrington, Bellmawr, Berlin, Berlin Township, Brooklawn, Camden, Cherry Hill, Chesilhurst, Clementon, Collingswood, Gibbsboro, Gloucester City, Gloucester Township, Haddon Heights, Haddon Township, Haddonfield, Hi-Nella, Laurel Springs, Lawnside, Lindenwold, Magnolia, Merchantville, Mount Ephraim, Oaklyn, Pennsauken, Pine Hill, Runnemede, Somerdale, Stratford, Tavistock, Voorhees, Waterford Township, Winslow, and Woodlynne. Since consultations and the 341 meeting run by phone and Zoom, your distance from Cherry Hill doesn’t change a thing.

Keeping your home: the Camden County foreclosure picture

New Jersey foreclosure is judicial, which means a lender has to sue and win in court before your home can be sold. Once you’re served with a foreclosure complaint, you have 35 days to file an answer. Uncontested cases move through the state’s Office of Foreclosure, and New Jersey’s courts offer a free foreclosure mediation program that can be worth requesting early.

If the case runs all the way to a sale, the Camden County Sheriff holds foreclosure sales at noon on the first and third Wednesday of each month at the Camden City Council Chambers, 520 Market Street. State law gives a homeowner real levers even that late: you can request adjournments of the sale, and there’s a short right of redemption after it. Most importantly, filing bankruptcy before the sale becomes final generally stops it, and a Chapter 13 plan can then spread the missed payments over three to five years while you keep making the regular one. Our foreclosure defense page covers the timeline in detail. If you have a sale date on the calendar, don’t wait: the earlier you call, the more options survive.

What it costs

The consultation is free, and you’ll get a straight answer about whether filing helps before you spend a dollar. Fees are flat, payment plans are available, and we’ve broken down the numbers on our what Chapter 7 costs page. Qualifying Chapter 7 filers may be eligible for the $999 flat fee; we’ll tell you at the consultation whether your case fits.

Common questions about filing from Camden County

Talk to a Camden County bankruptcy lawyer today

You can meet us at the Cherry Hill office or handle everything by phone and Zoom; most clients never make the trip. Book your free consultation online, and let’s look at your numbers together. No pressure, no judgment, and a straight answer about whether filing helps.