New Jersey Bankruptcy Attorney
Protect Yourself from Creditors and Get Real Debt Relief
If you’re overwhelmed by debt, constant calls from creditors, or the threat of foreclosure or wage garnishment, you’re not alone. Many individuals and families across New Jersey are facing the same financial pressure — and there are real solutions available.
At Boyer Coffy LLC, we help clients understand their options and take control of their financial future through bankruptcy. Whether you are considering Chapter 7 or Chapter 13, our firm will guide you through the process step by step with clear answers and no judgment. Serving clients throughout New Jersey, including Clifton, Newark, Jersey City, and New York City.
Call Boyer Coffy LLC at 973-798-6131 to schedule a consultation with a lawyer today.
What to Expect During the Bankruptcy Process
After your initial consultation, you will receive a clear and detailed explanation of each step in the process so you can make an informed decision about the best path forward for your financial situation. Boyer Coffy LLC will review your circumstances to determine whether you qualify for Chapter 7 bankruptcy or if Chapter 13 may be a better fit based on your needs and goals.
Once that evaluation is complete, your case will be filed with the bankruptcy court, and you will be guided through gathering the necessary documents and providing the required information to the assigned bankruptcy trustee. Every step will be handled with care to ensure everything is properly prepared and submitted. Throughout the process, you can expect consistent support, straightforward communication, and clear answers to your questions. Schedule your consultation today to take the first step toward a more stable financial future.
What Are The Differences Between Chapter 7 And Chapter 13 Bankruptcy?
At Boyer Coffy LLC, we help individuals and families across New Jersey and New York take control of overwhelming debt through proven bankruptcy solutions.
Chapter 7 bankruptcy can eliminate most unsecured debts, including medical bills, credit cards, past-due taxes, vehicle repossessions, and more. Once your case is filed, it immediately stops wage garnishments, frozen bank accounts, and creditor lawsuits. In many cases, you can keep important assets like your home and car—as long as you stay current on payments.
Chapter 13 bankruptcy offers a structured path forward by consolidating your debts into one manageable monthly payment plan. Filing also puts an immediate stop to creditor harassment, lawsuits, garnishments, and bank levies. Chapter 13 can help prevent foreclosure or repossession, giving you the opportunity to catch up on missed payments while protecting your assets.
You don’t have to deal with debt collectors or financial stress alone. Boyer Coffy LLC is here to guide you toward a fresh financial start.
Bankruptcy FAQs
What is bankruptcy and how can it help me?
Bankruptcy is a legal process that can help individuals and businesses eliminate or restructure debt. It may stop collection actions, reduce financial pressure, and provide a path toward a more stable financial future.
Will bankruptcy stop creditors from contacting me?
Yes. Once a bankruptcy case is filed, an automatic stay goes into effect, which generally stops collection calls, lawsuits, wage garnishments, and other collection efforts.
Will I lose my home or car if I file for bankruptcy?
Not necessarily. Many people are able to keep their home, vehicle, and other essential property, depending on the type of bankruptcy filed, your financial situation, and applicable exemptions.
How do I know which type of bankruptcy is right for me?
The right option depends on your income, assets, and the type of debt you have. A review of your financial situation can help determine whether Chapter 7, Chapter 11, or Chapter 12 is the best fit.
How long does the bankruptcy process take?
The timeline varies depending on the type of bankruptcy. Chapter 7 cases may be completed in a few months, while Chapter 11 and Chapter 12 involve repayment plans that can last several years.
Disclaimer: We are a debt relief agency. We are attorneys who help people file for bankruptcy relief under the bankruptcy code.
Have Questions About Your Financial Situation?
Call Boyer Coffy LLC at 973-798-6131 to speak with an attorney about your options. You’ll receive clear, straightforward guidance tailored to your circumstances so you can make informed decisions and take the next step toward financial relief with confidence.