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So many people that I meet with and who file bankruptcy simple have no idea what bankruptcy is all about before they have met with me. Once they learn about all of the benefits, and there are so few negatives, they always say they wish they would have done this a lot sooner. The Law Offices of Patel, Soltis & Cardenas provide bankruptcy, foreclosure and loan modification representation to clients throughout the State of New Jersey and New York area with offices in Jersey City, Freehold, Hackensack, Manhattan, and Brooklyn.
You’ll enter all of this information on official bankruptcy forms you’ll find on the official bankruptcy forms page , then file the forms with your local bankruptcy court along with a filing fee or fee waiver and proof that you completed the mandatory prefiling education course (more below).

Louisiana, like all American states, has a large number of lawyers in its cities and counties like Alexandria, Houma, Baton Rouge, Covington, Hammond, LaPlace, Kenner, Monroe, Bossier City, Foreclosure attorney new jersey Lake Charles and New Orleans, practicing in all types of legal fields like insurance, accidents, injuries, divorce, family and business disputes, probate and real estate problems.
Had they known all the benefits of bankruptcy, they could have filed six months or a year ago, instead of having wasted a lot of money on debt consolidation or having paid bills that it could have been easily wiped out along time ago by filing for bankruptcy sooner.

Douglas T. Tabachnik is among only a handful of attorneys to be certified as a Specialist in Business Bankruptcy Law in either New Jersey or New York by the American Board of Certification, a non-profit organization that is jointly sponsored by the American Bankruptcy Institute and the Commercial Law League of America, and recognized by the American Bar Association.
After selecting your attorney and provided all relevant financial information, the client will (a) take a credit counseling class; (b)review and sign the bankruptcy petition; (c)attend the 341 meeting which is usually 30 days after the filing of the petition (d) complete your second class (e) request a reaffirmation for any vehicles from your attorney or car dealer (f) receive your discharge in the mail.

Prior to making any decision to file for bankruptcy, we work with clients to consider alternative solutions of debt relief including debt negotiations, referrals to consumer credit counseling organizations or qualified mortgage brokers if refinance or reverse mortgages are appropriate considerations.

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