Law Offices of Joseph J. Rogers

Law Offices of Joseph J. Rogers

Creditors calling you day and night? Behind on your mortgage and your bank is not helping you? Lost your job and now the bills are piling up? Bankruptcy may be the solution.

Firm Overview

The bills are stacking up, demanding calls and letters are arriving with increasing frequency and despite the best of efforts, the overdue debts just cannot be paid. Maybe you are thinking of taking a payday loan just to get through this week. You just want to stop the phone calls in the middle of the night and at your work. You want help right now. We can help stop the debt collectors. We can help you get the bankruptcy relief you need and deserve. We can help you claim exemptions to keep your property. In chapter 13 cases, we can often help you to keep your house. Once considered a last resort, bankruptcy has become an accepted method of resolving serious financial problems. You can save your home and car; you may stop evictions; and in most cases, you can still get rid of your credit card debt. If you, your friends or family members are experiencing financial problems that may be helped by bankruptcy laws, please call my office as soon as possible.
Main Office
Main Office
900 Route 168 Suite I-4
Turnersville  NJ  08012
Phone
  • (856) 228-7964
Fax
  • (856) 228-7965
Websites

Fees

Free Initial Consultation?
We offer free in-office initial consultations
Services Offered For Fixed Fees?
We offer low flat rates and minimal initial deposits.

Office Information

Office Hours
weekend and evening appointments available
Emergency After Hours
Yes
Bankruptcy
Over the past 20 years our firm has helped thousands of New Jersey residents save their home, cars and apartments. Let us help you get a fresh start on life.
One of the main reasons people come to see a bankruptcy attorney is to save their home. Unfortunately, many people wait too long and make financial decisions prior to seeking the advice of a bankruptcy professional. Many people trying to do the right thing run up large credit card bills, take out high interest pay day loans, cash in or borrow against their retirement accounts, and sell or transfer assets trying to keep up on their mortgage. All of these things in the end will make it more difficult to achieve your goal: SAVE YOUR HOME. When you are having financial problems the sooner you consult with a bankruptcy attorney the better.

If you are still current on your home but are having problems keeping up to date on your mortgage because of your other debts you may be able to file a Chapter 7 Bankruptcy. There are limits on what your income can be and how much equity you can have in your home to qualify for a Chapter 7 Bankruptcy. A Chapter 7 Bankruptcy allows you to keep making your normal mortgage payments while wiping out your credit cards, medical bills, personal loans and other unsecured debts.

If you are behind on your mortgage or if your house is in foreclosure you can file a Chapter 13 Bankruptcy to save your home. A Chapter 13 Bankruptcy will:

(1) Require the mortgage company to start accepting your normal monthly payments;
(2) Allow you to pay the mortgage arrears over a 5 year period;
(3) Allow you to pay property tax arrears over a 5 year period;
(4) Strip off second mortgages and home equity lines of credit if your house is worth less than the balance on your first mortgage;
(5) Stop wage garnishments and repossessions;
(6) Stop credit cards, medical bills and payday lenders from calling and harassing you and your family.

Since you have to pay back the money you are behind on your mortgage over a 5 year period the sooner you file the bankruptcy the more feasible. Many people fall 3 or 4 months behind on their mortgage. They then call the mortgage company and apply for a loan modification and spend the next 12 months sending documents to the mortgage company, getting the run around just to have the mortgage company in the end deny the loan medication. Now they are 16 months behind on their mortgage instead of 4. If they have a $2,000 mortgage payment this would mean they have to pay back $32,000 (+ late fees and foreclosure cost) rather than $8,000. The sooner you come to see us the better the chances for a successful outcome.

We have heard hundreds of horror stories of people paying thousands of dollars to loan modification companies and debt settlement companies located across the country just to find out they are a scam. In these cases it is almost impossible to get your money back and you wind up in much deeper debt than if you had met with a bankruptcy professional to start. If you are going to hire an attorney or a loan modification company it should be somebody you can sit down with and discuss your options face to face. We handle loan modifications through the Bankruptcy Court's loss mitigation program. You can find more information on this under the loss mitigation heading of our website and we would happy to sit down with you and discuss your options.

We can help you save your home, but you have to take the first step. Call now to set up your free consultation.

What distinguishes your law firm from others?

I am the ninth of ten children. My father was a roofer and my mother worked as a cashier in a department store. Twenty years ago when I opened my law practice my father said charge a fair price and work harder than the other guy and you will do fine.

There are firms that will charge you a lot more money than we will. They will tell you that you only get what you pay for or that they charge more because they are better than everyone else. No, they are charging you more because they think they can, they think you are desperate, and they think you are foolish with your money.

I have never forgotten where I came from, the value of a dollar, the value of a hard day's work, or the difference between right and wrong. My firm will work hard for you, be honest with you and charge you a fair price because it is the right thing to do.

Joseph Rogers

Joseph J. Rogers has helped people in Camden, Gloucester, Burlington, Cumberland, Atlantic and Salem counties with their legal needs since 1996, focusing on consumer bankruptcy law, municipal traffic court, real estate and wills. He is a graduate of Rowan University (B.A.) and The Dickinson School of Law, Carlisle, PA (J.D.). After serving a judicial clerkship, the Washington Township native returned to New Jersey to set up his private practice near family and friends.

Joe has served as Public Defender for Washington Township and Woodbury Heights, and as counsel to the Washington Township library board. Joe spoke at the 2005 Conference of the National Association for Chapter 13 Trustees in Orlando, Florida, and has spoken at various local Continuing Legal Education seminars including the 12th Annual Camden-Burlington Bankruptcy Conference, and on financial management at local high schools.

Joe is a member of the Bankruptcy Inns of Court, a statewide organization dedicated to continuing legal education, mentoring young attorneys and cultivating excellence in the practice of bankruptcy law. He volunteers with the Rutgers-Camden School of Law bankruptcy clinic. In Joe's spare time, he enjoys hiking and playing with his dog.

Barbara Snavely

Barbara Snavely is an associate attorney in the Rogers firm. Also a South Jersey native, Barbara graduated in 1991 from Rutgers Law School-Camden where she served on the law review and later as Research Editor of the Rutgers Law Journal. After graduation she clerked for the Honorable Marvin Schlosser in Burlington County Superior Court. Barbara earned her undergraduate degree from The Pennsylvania State University where she wrote for Research/Penn State and the award-winning Daily Collegian. Her legal experience includes bankruptcy, real estate, wills and estates, and municipal court.


Barbara participates in the Bankruptcy Inns of Court. She also served three terms on the Board of Directors of a statewide advocacy organization focused on justice in legislation and the needs of New Jersey's vulnerable populations. She volunteers with Habitat for Humanity of Burlington County and has provided pro bono real estate services for their property acquisition team.

In her spare time, among other pursuits, Barbara is involved in genealogical research, and is an active member of Saint Paul's Evangelical Lutheran Church in Hainesport, where has also served on numerous committees and teaches both children's and adult classes.

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