In today's economy, bankruptcy is becoming a much more common solution to unmanageable debt. Debt problems do not discriminate based on who you are, where you live, or what kind of job you have. Anyone can find him or herself under water due to credit card or medical debt, job loss, divorce or an unaffordable mortgage.

Bankruptcy gives you time to sort out your finances while under the protection of the bankruptcy court and free from creditor harassment. You have a legal right to file a bankruptcy petition. Do not allow misconceptions about bankruptcy — whether your own or family members' — to prevent you from exploring various debt relief options. At the northern New Jersey law offices of Russell S. Warren, Jr., Esq., we help individuals and families through the entire process of filing for Chapter 7 or Chapter 13 bankruptcy as well as any issues after bankruptcy. Each client of our law firm works directly with attorney Russell S. Warren, Jr. , a Bergen County lawyer with more than 25 years' relevant legal experience.

Mr. Warren and our staff place a high value on client communication. We provide honest and practical advice, along with frequent updates on clients' case status. Contact us to schedule a free initial consultation with an experienced bankruptcy lawyer. We can help you make a fresh start.

Benefits of Filing for Bankruptcy

When you are overwhelmed by debt, filing for bankruptcy may be your best option for debt relief. Immediately after you file bankruptcy, the bankruptcy court places an automatic stay on collection of your debts. This means that all your pre-bankruptcy creditors must immediately stop contacting you.

Harassing calls and letters from creditors will cease. Wage garnishments and repossession actions will stop. Foreclosure proceedings will come to a halt. This provides much-needed breathing room and time to create a plan for you and your family to regain financial stability.

Different Types of Consumer Bankruptcy

Chapter 7 bankruptcy offers consumers a way to eliminate most of their debt. Chapter 7 bankruptcy is sometimes known as asset or debt liquidation, because filers must liquidate (sell) non-exempt assets to pay off as much debt as possible before the bankruptcy court will discharge the rest of the debt. Chapter 7 bankruptcy filers must meet an income or means test, however, which can prove difficult in New Jersey where wages are generally higher than in other parts of the country. Learn more about Chapter7 bankruptcy.

National Association of Consumer Bankruptcy Attorneys

Chapter 13 bankruptcy is helpful for people who do not meet Chapter 7's income test, who still have equity in their houses, or who have types of debt that cannot be discharged in Chapter 7. Chapter 13 bankruptcy, sometimes called debt consolidation bankruptcy, requires filers to set up a three- to five-year repayment plan acceptable to the bankruptcy court.

The Law Office of Russell S. Warren, Jr., Esq. is a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

Learn more about bankruptcy by reading our answers to frequently asked questions. Or, discuss bankruptcy and other debt relief options in private with a knowledgeable Bergen County attorney. To schedule a free consultation by phone or at our Englewood Cliffs office, contact us by e-mail or call 201-503-0773. Our law offices in Englewood Cliffs, New Jersey, are open Monday through Friday from 9 a.m. to 5 p.m.

Russell S. Warren, Jr., Esq.

Phone: 201-503-0773 | Fax: 201-503-0776

Law Office:

473 Sylvan Avenue, First Floor
Englewood Cliffs, NJ 07632
Map and Directions

Mailing Address:

P.O. Box 1234
Englewood Cliffs, NJ 07632

Englewood Cliffs, New Jersey attorney Russell S. Warren, Jr., Esq. represents clients throughout northern New Jersey in communities such as Englewood Cliffs, Englewood, Bergenfield, Cliffside Park, Dumont, Fort Lee, Garfield, Hackensack, Leonia, New Milford, North Bergen, Paramus, Passaic, Patterson and Teaneck.