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Greenwich Township sits at the quiet western edge of Cumberland County, where Ye Greate Street has run the same course since 1684 and centuries-old patterned-brick farmhouses still line the road down to the Cohansey River. It is a small place, a little over 700 people, built on farming, fishing, and families who have owned the same land for generations. That heritage is beautiful, but it does not pay a hospital bill or a truck repair, and when income is seasonal or fixed a few hard months can turn into medical debt, credit cards, and a mortgage that slipped behind. If that is where you are, a bankruptcy lawyer can usually change that math, faster and for less than you would expect.
Filing bankruptcy from Greenwich Township 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, so most Greenwich Township filers never travel to the courthouse.
Sheriff foreclosure sales
Cumberland County Sheriff foreclosure sales are held at the Cumberland County Court House, 60 W. Broad Street, Bridgeton.
Nearest office
1402 Doughty Road, Egg Harbor Township, a short drive to the east. We also keep a Cherry Hill office.
Yes, more often than people expect. The moment you file, a court order called the automatic stay stops collection calls, lawsuits, and wage garnishment, usually the same day. A Chapter 7 case wipes out unsecured debt like credit cards, medical bills, and personal loans, and most people keep their home, their car, and their retirement accounts. If you have fallen behind on a mortgage and want to catch up, a Chapter 13 lets you spread the past-due amount over a manageable plan while you stay in the house. Which path fits depends on your income and what you own, and that is exactly what the free consult sorts out.
What it costs
The first conversation is free, and it is with Mike, not a screener reading off a script. Our fees are flat and predictable, so you know the number before you commit, and we offer payment plans because most people looking at bankruptcy are not sitting on a pile of cash. Qualifying Chapter 7 filers can have their case handled for a $999 flat fee. Book a free consultation and we will tell you honestly what your case should cost.
What actually happens after you file
Your case runs through the Camden vicinage of the District of New Jersey, but do not picture a long drive to a courthouse. The one required hearing, the 341 meeting of creditors, is held by Zoom as standard practice, so you can do it from your kitchen table in Greenwich Township. It usually takes about ten minutes and the trustee asks a short list of routine questions. If you would rather sit down with us in person at any point, our Egg Harbor Township office on Doughty Road is a short drive east.
If a foreclosure has already started
New Jersey runs foreclosures through the courts, which means the process is slow and there is real room to act. Cumberland County Sheriff foreclosure sales are held at the Cumberland County Court House at 60 W. Broad Street in Bridgeton, and even once a sale is scheduled you are entitled to two adjournments of up to 30 days each, plus a 10-day redemption period after the sale itself. Filing a Chapter 13 stops that sale in its tracks and gives you a structured way to catch up the arrears. The key is to call before the date, not after, so we have the most room to work.
You do not have to figure this out alone. Book a free, no-pressure look at your options.
NJ Bankruptcy Court
Where your Greenwich Township case is filed
A bankruptcy filed from Greenwich Township goes through the U.S. Bankruptcy Court for the District of New Jersey (Camden vicinage). Mike practices there regularly and stays with your case from the first call through discharge.
We help people across Camden, Burlington, Gloucester, Salem, Atlantic, Cape May, and Cumberland County and throughout New Jersey.
Your bankruptcy options in Greenwich Township
Most people we help in Greenwich Township file under one of these three chapters. Here is how each one works and who it fits.
Chapter 7
Chapter 7 bankruptcy in Greenwich Township
Wipe out debt and start fresh
Chapter 7 is the fastest path to a fresh start. For most people in Greenwich Township who qualify, it clears credit cards, medical bills, personal loans, and most other unsecured debt in about three to four months, and it stops collection calls, lawsuits, repossessions, and wage garnishment the day we file.
Whether you qualify depends on the New Jersey means test, which compares your household income to the state median. Most of our Greenwich Township clients keep everything they own. New Jersey lets you choose the set of exemptions that protects the most, so your home, your car, and your retirement are usually safe.
Chapter 13 is for people in Greenwich Township who are behind on a house or a car, owe back taxes, or earn too much to qualify for Chapter 7. Instead of liquidating, you keep your property and repay what you can over a three- to five-year plan, often for a fraction of what you owe.
It is the strongest tool we have to stop a foreclosure or a repossession and make a lender accept your missed payments over time. When you finish the plan, the remaining qualifying balances are discharged.
Subchapter V is a streamlined Chapter 11 built for small business owners. If you run a business in or near Greenwich Township that is buried in lease payments, equipment loans, or merchant cash advances, it lets you reorganize that debt and keep operating, without the cost and delay of a traditional Chapter 11.
You stay in control of the business, propose a plan to repay creditors from future earnings, and in most cases keep your ownership. Mike has represented business debtors in reorganizations across New Jersey and Pennsylvania.
Mike has represented many people in bankruptcy and focuses his practice on it across Pennsylvania and New Jersey.
No Bait and Switch
Other lawyers may sell you on filing a bankruptcy and then pass your case off. With us, you work with the same lawyer from start to finish.
Always a Live Person
Other lawyers may use AI to handle their calls. With us, you always get a live person.
Common questions
I live in Greenwich Township, which is pretty remote. Do I have to drive somewhere to file bankruptcy?
No. Your case is filed electronically in the Camden vicinage, and the one required hearing, the 341 meeting, is held by Zoom, so most Greenwich Township filers never travel at all. If you would rather meet in person, our nearest office is at 1402 Doughty Road in Egg Harbor Township, a short drive to the east, and we also have a Cherry Hill office.
My income is seasonal from farming and fishing work. Can I still qualify for bankruptcy?
Yes. Seasonal and irregular income is common in this part of Cumberland County, and the court looks at your income averaged over time, not just one good month. That is one of the things we sort out in the free consult, including whether Chapter 7 or Chapter 13 fits your situation. Uneven income does not disqualify you.
I own an older home along Ye Greate Street. Will I lose it if I file?
Almost certainly not. Most people who file keep their home, and New Jersey filers use the generous federal exemptions to protect home equity, along with your car and retirement. Older Greenwich homes often carry more history than cash equity, which usually makes them straightforward to protect. We will run the exact numbers for your property before you file so there are no surprises.
My mortgage lender scheduled a sheriff sale in Bridgeton. Is it too late?
It is very likely not too late. Cumberland County sheriff foreclosure sales happen at the courthouse on W. Broad Street in Bridgeton, and filing Chapter 13 stops that sale immediately, even if it is days away. New Jersey also gives you two adjournments and a short redemption window. The sooner you call, the more options we have, so do not wait until the sale date.
Ready for a fresh start in Greenwich Township?
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