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Honest help with Chapter 13 Bankruptcy for people in and around Egg Harbor Township. Meet entirely by phone or Zoom, or visit our Egg Harbor Township office.
Free ConsultationNo obligation, just honest advice
Payment PlansFlexible, flat-fee options
100% VirtualMeet over Zoom, never leave homeIf a slow season or a layoff has you behind on the mortgage or the car, Chapter 13 lets you keep them and catch up on your own terms. It puts your debt into one court-approved plan over three to five years, stops a foreclosure, and is built around your real income, which matters in Atlantic County, where a paycheck in July doesn’t look like one in February.
Who it’s for. Chapter 13 fits if you’ve fallen behind on a house or car and want to cure it, if your income is above the Chapter 7 line in a strong season, or if you have property to protect. You keep what you own and repay through the plan.
How long, and how much. Plan length depends on how your income compares to the New Jersey median, three years under, up to five over. We build the monthly payment around your actual budget, and we can account for seasonal swings so the plan is one you can actually live with year-round.
What it’s like. South Jersey cases are filed in the U.S. Bankruptcy Court for the District of New Jersey, Camden vicinage, and a standing Chapter 13 trustee administers your payments. The meeting of creditors is short and currently remote. Mike builds the plan with you and stays with your case the whole way.
Free first consultation by phone or Zoom, flat attorney fee, payment plans.
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A Chapter 13 Bankruptcy filed from our Egg Harbor Township 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, and a good plan accounts for it. We build the payment around your real, year-round budget rather than a single good month, so it holds up through the off-season. That's exactly the kind of case Chapter 13 is built for.
Yes. The automatic stay stops the foreclosure when we file, and the plan lets you cure the missed payments over three to five years while staying current going forward.
In the U.S. Bankruptcy Court for the District of New Jersey, Camden vicinage, which covers the South Jersey counties. The meeting of creditors is currently remote, which is easier on a seasonal or shift schedule.
Free consultation over phone or Zoom. No obligation, just honest answers.
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