Free ConsultationNo obligation, just honest advice
Payment PlansFlexible payment options
100% VirtualMeet over Zoom, never leave home
Haddonfield is the kind of South Jersey town people work hard to land in. Restored Colonial storefronts and roughly 200 boutiques, galleries, and antique shops line Kings Highway, the historic district looks like a postcard, and the PATCO Speedline drops commuters into Center City Philadelphia in under twenty minutes. Even Haddy the dinosaur, the first nearly complete skeleton ever dug up in North America, stands downtown as the town mascot. It is also one of the highest-income towns in the county, which is exactly why the money stress here often hides in plain sight. A big mortgage, private tuition, a Kings Highway shop that slowed down, or a Philadelphia paycheck that suddenly stops can put a household that looks fine on paper deep underwater. If that is you, a bankruptcy lawyer can usually change that math, faster and for less than you would expect.
Filing bankruptcy from Haddonfield at a glance
Where your case is filed
U.S. Bankruptcy Court, District of New Jersey, Camden vicinage, 401 Market Street in Camden.
The 341 meeting of creditors
Held by Zoom as standard practice, so most Haddonfield filers never travel to Camden at all.
Sheriff foreclosure sales
The Camden County Sheriff sells at Camden City Council Chambers, 520 Market Street, 2nd floor, on the 1st and 3rd Wednesday of the month at noon.
Nearest office
923 Haddonfield Road in Cherry Hill, a short drive up Route 70 and inside Camden County.
In most cases, yes, and it works faster than people expect. The moment you file, something called the automatic stay kicks in and stops collections, lawsuits, and wage garnishment the same day. A Chapter 7 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 are behind on a mortgage and want to keep the house, a Chapter 13 lets you catch up the arrears over time while the stay holds the lender off. Which one fits depends on your income and what you want to protect, and that is exactly what the free consult sorts out.
What it costs
The first call is a free consultation with Mike Assad himself, not a screener or a salesperson. Fees are flat and spelled out up front so you are never guessing, and we offer payment plans because most people filing bankruptcy do not have a pile of cash sitting around. Qualifying Chapter 7 filers can have their case handled for a $999 flat fee. If you want real numbers for your situation, call (609) 808-3300 and we will walk through it.
What actually happens after you file
Haddonfield cases are filed in the Camden vicinage at 401 Market Street, but here is the part that surprises people: your 341 meeting of creditors is held over Zoom as standard practice, so you almost never set foot in the courthouse. You answer a few straightforward questions from home or the office in a few minutes, and it is done. If you would rather handle things in person, our office at 923 Haddonfield Road in Cherry Hill is a quick drive up Route 70, and you are welcome to come sit down with us.
If a foreclosure has already started
New Jersey is a judicial foreclosure state, so the lender has to take you to court, which usually buys you more time than folks realize. If it gets as far as a sale, the Camden County Sheriff holds sales at Camden City Council Chambers, 520 Market Street, on the 1st and 3rd Wednesday of the month at noon. You are allowed two adjournments of up to 30 days each, and even after a sale you have a 10-day right of redemption. Most important, a bankruptcy filed before the sale generally stops it in its tracks, and a Chapter 13 can then let you keep the house and catch up what you owe over time. If a date is already on the calendar, do not wait.
You do not have to figure this out alone. Book a free, no-pressure conversation about your options.
NJ Bankruptcy Court
Where your Haddonfield case is filed
A bankruptcy filed from Haddonfield 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 Haddonfield
Most people we help in Haddonfield file under one of these three chapters. Here is how each one works and who it fits.
Chapter 7
Chapter 7 bankruptcy in Haddonfield
Wipe out debt and start fresh
Chapter 7 is the fastest path to a fresh start. For most people in Haddonfield 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 Haddonfield 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 Haddonfield 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 Haddonfield 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 commute from Haddonfield to a job in Philadelphia. Can my wages still be garnished here?
Yes, a New Jersey creditor with a judgment can garnish your pay even though your employer is across the river in Philadelphia. The good news is that the moment you file bankruptcy, the automatic stay stops that garnishment the same day, no matter which state your job is in. As a Haddonfield resident you file right here in the Camden vicinage, and your paycheck is protected going forward.
My Haddonfield house is worth a lot. Will I lose it if I file?
In most cases you keep it. Haddonfield home values are high, so the question is how much equity you have after your mortgage. New Jersey filers use the federal exemptions, which protect a meaningful amount of home equity, and if you are current on the mortgage a Chapter 7 usually lets you keep the house. If your equity is larger than the exemption covers, a Chapter 13 protects the home while you deal with the rest of the debt. We run your exact numbers at the free consult so there are no surprises.
I run a small shop on Kings Highway and fell behind. Which chapter fits me?
It depends on whether you want to keep the business running and how the debt is structured. If you are closing up and mostly need to clear personal guarantees, business credit cards, and vendor debt, a Chapter 7 often does it. If the shop is still viable and you just need to catch up and reorganize, a Chapter 13 can restructure what you owe over time. Bring your numbers to the free consult and Mike will tell you honestly which path makes sense.
A sheriff sale is already scheduled on my Haddonfield home. How much time do I actually have?
More than most people think. The Camden County Sheriff sells on the 1st and 3rd Wednesday of the month at noon, and New Jersey law lets you request two adjournments of up to 30 days each. Even after a sale, you have a 10-day right of redemption. Best of all, a bankruptcy filed before the sale generally stops it entirely, and a Chapter 13 can let you keep the home and repay the arrears. If you have a date on the calendar, call right away so we can act before it.
Ready for a fresh start in Haddonfield?
Free consultation over phone or Zoom. No obligation, just honest answers.
