Chapter 7 Bankruptcy in Egg Harbor Township, NJ

Income on the shore isn’t always steady. A slow off-season, a casino or hospitality layoff, a few months of shift work that didn’t cover the bills, and credit-card and medical debt can pile up fast. For a lot of people in Egg Harbor Township and across Atlantic County, Chapter 7 is the reset: it wipes out most unsecured debt in about 90 to 120 days, and most filers keep what they own.

Do you qualify? Chapter 7’s means test compares your household income to the New Jersey median for your household size. If your income swings with the seasons, that matters, because the test looks at a specific six-month window, and timing can change the answer. We’ll look at your real numbers on the free call, including a slow stretch that might put you under the line.

Will you lose anything? Almost certainly not. As a New Jersey filing, you can choose the federal exemptions, which most people use, covering home equity, your vehicle, household goods, work tools, and retirement. The federal homestead exemption currently protects up to $31,575 of home equity, with up to $5,025 for a vehicle. If your car gets you to seasonal jobs across the county, protecting it is usually straightforward.

What it’s like. South Jersey cases are filed in the U.S. Bankruptcy Court for the District of New Jersey, Camden vicinage, where Mike practices regularly. There’s one short meeting of creditors (the “341 meeting”), currently held remotely, which is convenient when you’re working irregular hours. Mike handles it with you, start to finish.

Flat fee, payment plans, free first consultation by phone or Zoom, and the $999 flat-fee Chapter 7 if you qualify on income.