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Honest help with Chapter 13 Bankruptcy for people in and around Cherry Hill. Meet entirely by phone or Zoom, or visit our Cherry Hill office.
Free ConsultationNo obligation, just honest advice
Payment PlansFlexible, flat-fee options
100% VirtualMeet over Zoom, never leave homeIf you’re behind on your mortgage or car and you want to keep them, Chapter 13 is usually the answer. Instead of wiping the slate clean all at once, it puts you on a single, court-approved payment plan that runs three to five years and lets you catch up on what you’re behind on while the automatic stay holds creditors back. For a lot of Camden County homeowners, it’s how you stop a foreclosure and actually save the house.
Who it’s for. Chapter 13 fits if you’re behind on a mortgage and want to cure it, if you earn too much for Chapter 7, or if you have assets you want to protect. You keep your property and repay some or all of your debt out of your income over the life of the plan.
How long, and how much. The plan length depends on how your income compares to the New Jersey median, three years if you’re under it, up to five if you’re over. What you pay each month is built around your real budget and what you’re behind on, not a number a creditor picks.
What it’s like. Your case is filed in the U.S. Bankruptcy Court for the District of New Jersey, Camden vicinage, and a standing Chapter 13 trustee receives your plan payments and distributes them. There’s a short meeting of creditors, currently held remotely. Mike builds the plan with you and stays on your case from filing through your discharge.
Free first consultation by phone or Zoom, flat attorney fee, and payment plans.
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A Chapter 13 Bankruptcy filed from our Cherry Hill office 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.
Yes. Filing triggers the automatic stay, which stops the foreclosure, and the plan lets you cure the missed payments over three to five years while you stay current going forward. It's one of the main reasons people choose Chapter 13.
Chapter 7 erases most unsecured debt quickly and doesn't involve a repayment plan. Chapter 13 reorganizes your debt into a three-to-five-year plan, which is the better tool when you're behind on a house or car, or when your income is above the Chapter 7 line. We'll tell you which one fits on the free call.
Yes. Keeping your property is the whole point of Chapter 13. You hold onto your home, car, and other assets and repay through the plan instead of giving anything up.
Free consultation over phone or Zoom. No obligation, just honest answers.
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