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Sicklerville grew up fast. What used to be Winslow Township farmland off the Black Horse Pike is now block after block of newer townhomes and single-family developments like the Villages at Cross Keys, filled with two-income households that drive Route 42 and the Atlantic City Expressway to jobs at Virtua, Cooper, Lockheed Martin, or over the bridge into Philadelphia and Cherry Hill. That lifestyle comes with a suburban-sized mortgage, usually two car payments for two commutes, and a stack of credit cards that quietly filled the gaps. When one paycheck wobbles, a layoff, a medical bill, a divorce, an unexpected repair, the whole thing can tip over fast, and the numbers stop adding up no matter how many hours you work. Here is the good news most people in Sicklerville never hear: a bankruptcy lawyer can usually change that math, faster and for less than you would expect.
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 Sicklerville filers never have to travel to Camden.
Sheriff foreclosure sales
Camden County Sheriff, Camden City Hall Council Chambers, 520 Market Street (2nd floor). Held the 1st and 3rd Wednesday of the month at noon.
Nearest office
923 Haddonfield Road, Cherry Hill, a short drive up Route 42 and 295 from Sicklerville.
In most cases, yes. The moment your case is filed, the automatic stay kicks in and collections have to stop, that same day. No more garnished paychecks, no more lawsuits moving forward, no more phone calls at dinner. A Chapter 7 wipes out unsecured debt like credit cards, medical bills, and personal loans, and most people keep their home, their cars, and their retirement accounts. If you have fallen behind on a mortgage or a car loan you want to keep, a Chapter 13 lets you catch up the past-due amount over a manageable plan while you stay in the house. Which one fits depends on your income and what you are trying to protect, and that is exactly what the free consult is for.
What it costs
Your first call is a free consultation with Mike himself, not a screener or an intake robot. Fees are flat and predictable, so you know the full number before you commit to anything, and we offer payment plans so cost is not the thing that keeps you stuck. Qualifying Chapter 7 filers may be able to file for our $999 flat fee. Book a free consultation and we will walk through your situation and give you a real number, no pressure.
What actually happens after you file
Sicklerville cases are handled through the Camden vicinage of the New Jersey bankruptcy court at 401 Market Street. Here is the part that surprises people: your 341 meeting of creditors is held by Zoom as standard practice, so you rarely set foot in Camden at all. You can do the whole thing from your kitchen table. If you would rather sit down face to face to prepare, our Cherry Hill office at 923 Haddonfield Road is a quick trip up Route 42, and you are always welcome there.
If a foreclosure has already started
New Jersey foreclosures go through court, which means they take time and there is real room to fight back. Camden County sheriff sales are held at Camden City Hall Council Chambers, 520 Market Street, on the 1st and 3rd Wednesday of the month at noon. Even once a sale date is set, New Jersey lets you request two adjournments of up to 30 days each, and you still have a 10-day right of redemption after the sale. And a bankruptcy filed before the sale generally stops it in its tracks. If keeping the house is the goal, a Chapter 13 can halt the sale and roll the past-due balance into a plan you can actually afford. The key is to call before that Wednesday, not after.
You do not have to have it all figured out before you call. Book a free consultation and let’s talk it through.
NJ Bankruptcy Court
Where your Sicklerville case is filed
A bankruptcy filed from Sicklerville 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 Sicklerville
Most people we help in Sicklerville file under one of these three chapters. Here is how each one works and who it fits.
Chapter 7
Chapter 7 bankruptcy in Sicklerville
Wipe out debt and start fresh
Chapter 7 is the fastest path to a fresh start. For most people in Sicklerville 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 Sicklerville 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 Sicklerville 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 Sicklerville 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 out of Sicklerville and have two car payments. Can I keep both cars in bankruptcy?
Usually, yes. In a Chapter 7 you can keep a financed car as long as you are current on the payment and your equity fits within New Jersey's federal exemptions, which most commuter vehicles do. If you have fallen behind, a Chapter 13 lets you catch up the missed payments over your plan while you keep driving. For a two-commute household in Sicklerville, protecting the cars that get you to work is almost always part of the plan, and we build the case around keeping them.
My employer started garnishing my paycheck. How fast can that stop?
Fast. The day we file your case, the automatic stay takes effect and your employer's payroll department has to stop the garnishment, whether you work at a local hospital system, at Lockheed, or you commute into Philadelphia. Wage garnishment is one of the most common reasons people in Sicklerville finally call, and it is also one of the quickest things bankruptcy fixes. We can often file quickly once we have your paperwork together.
There's a sheriff sale date on my Sicklerville home. Is it too late?
Probably not. Camden County sheriff sales run the 1st and 3rd Wednesday of the month at noon at 520 Market Street in Camden, and a bankruptcy filed before that sale generally stops it. New Jersey also allows two adjournments of up to 30 days each and a 10-day right of redemption after a sale. The one thing that matters is timing, so call before the sale date rather than after it, and we will move quickly to protect the house.
We bought a newer townhome out here and the mortgage is a stretch. Can we keep it?
In most cases, yes. If you are current on the mortgage, a Chapter 7 can wipe out the credit cards and medical bills dragging you down without touching the home. If you have fallen behind on the payments, a Chapter 13 lets you cure the past-due balance over a plan while you stay put. Plenty of Sicklerville families in the Cross Keys developments are house-rich and cash-stretched, and bankruptcy is often what lets them keep the home and breathe again.
Ready for a fresh start in Sicklerville?
Free consultation over phone or Zoom. No obligation, just honest answers.
