Bankruptcy

I take Chapter 7 cases, primarily for clients who do not own real estate of any kind. I will help a client decide whether a Chapter 7 bankruptcy is right for them. I also take debt collection defense cases.

NJ, May 2001

New Jersey Federal Bankruptcy Court and New Jersey Federal District Court.

National Association of Consumer Bankruptcy Attorneys, New Jersey Bankruptcy Inn of Court and State Bar of Texas.

I attend the annual conference of the National Association of Consumer Bankruptcy Attorneys, which offers many continuing education sessions every year. I also take additional courses in the areas of bankruptcy and debt collection defense. I generally exceed the required number of continuing education hours.

I publish an ongoing blog on consumer bankruptcy topics on my Hoboken Bankruptcy Attorney website at www.jenlawyer.com.

A client had about $15,000 in credit card debt. She was no longer able to keep up with the minimum payments and stopped paying on her credit card bills. Creditors were calling constantly. After a consultation, it was found that she was eligible for a Chapter 7 bankruptcy. I filed the bankruptcy on her behalf and accompanied her to the meeting of creditors. Approximately two months later, she received a discharge of all her credit card debt - a fresh start.

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New Jersey, New York and Texas.

My firm was established in 2008 with the intent of helping people in New Jersey who need good, caring representation in consumer bankruptcy or debt collection matters.

The focus of my firm is on helping New Jersey consumers who are in debt decide whether a Chapter 7 bankruptcy is right for them, and if so, to file for bankruptcy on their behalf. Another focus area is on defending against debt collection suits on behalf of New Jersey consumers who are being sued by debt collection agencies.

My background is in the insurance industry, litigating insurance cases in New York City. I also have experience in the legal aid arena, primarily in the areas of Social Security disability, wills and employment law. I practiced law in Dallas, Texas before moving to New Jersey in 2000.

I am a court-approved mediator with the New Jersey Foreclosure Mediation Program.

I have flexible hours, by appointment only.

Other phone: (646) 932-1053

Yes

Yes, for most Chapter 7 bankruptcies, I charge a flat fee of $1,500. The client will be responsible for the court filing fee and for the small fees required for the two debtor counseling courses that are required as part of the bankruptcy. I will take installment payments of the flat fee and the court filing fee until they are paid in full prior to filing the bankruptcy papers.

If a case is more complex than usual because it requires litigation in bankruptcy court (with motions and court appearances), there may be extra fees involved. I do not charge extra to pull a client's credit report, but I do provide a copy of that report to the client.

After hiring me to file a bankruptcy, I may provide debt collection defense services for no extra attorney's fee if the client gets sued by a collection agency or creditor before the bankruptcy is actually filed. The client will be responsible for any court filing fees in connection with the debt collection defense.

For debt collection defense only, I charge a flat fee of $700 to $1,000, depending on the complexity of the case.

$175.

Yes, I offer a free initial consultation by telephone, to discuss whether a Chapter 7 is right for the client and to discuss whether or not I am the right lawyer for the client.

My typical retainer for debt collection defense is $700 to $1,000, depending on the complexity of the case.