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Our Offices

  • Vernon Office

    Address

    244 State Hwy 94
    Vernon, New Jersey 07462

  • Wayne Office

    Address

    73 Mountainview Blvd
    Wayne, New Jersey 07470

    Phone

    973-764-1633

  • Pompton Lakes Office

    Address

    58 Colfax Avenue #1
    Pompton Lakes, New Jersey 07442

  • Hackensack Office

    Address

    41 Main Street
    Suite 2
    Hackensack, New Jersey 07601

    Phone

    973-764-1633

  • Nutley Office

    Address

    345 Centre Street
    Suite 2
    Nutley, New Jersey 07110

    Phone

    973-764-1633

Choose a location to review

Law Offices of James C. Zimmermann locations:

Ratings & Reviews

  • lawyers
    5.0/5.0

    I highly recommend Mr. Zimmermann as an attorny. I recently purchased an investment property and boy was he helpful. He was easily available, very clear in explaining various concepts, laws and regulations, and provided very helpful tips o...
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    — Client

  • Blog
Viewing 1 - 16 out of 71 posts

How to Rebut the Presumption of Abuse in a Chapter 7 Case

Given the choice, most people struggling with insurmountable debt would choose to file Chapter 7 (liquidation) bankruptcy over Chapter 13 (reorganization). Chapter 7 is faster, cheaper and usually results in Read More

What Not to Do Before Filing for Bankruptcy

The decision to file for bankruptcy should not be entered into lightly or without a full understanding of all the potential issues involved. The promise of a fresh start on Read More

Discharging Credit Card Debt in Bankruptcy: What You Need to Know

Unmanageable credit card debt is one of the leading reasons people file for bankruptcy. Generally, a Chapter 7 bankruptcy erases credit card debt entirely. In a Chapter 13, you pay Read More

What Happens at the Creditors’ Meeting During Your Bankruptcy?

Everyone who files a Chapter 7 or 13 bankruptcy must attend a creditors’ meeting. The prospect of facing creditors is intimidating to many people, but in most cases it is Read More

Bankruptcy Exemptions Can Protect Nearly All of Your Property

Many people have the impression that real-life bankruptcy is like Monopoly: once you run out of cash, all your property is lost. Thankfully, the rules of bankruptcy are more forgiving. Read More

Keys to a Successful Chapter 13 Bankruptcy

A Chapter 13 bankruptcy is intended to allow individuals with regular income to adopt a plan for repaying a portion of their debts over an extended period of time, with Read More

The Bankruptcy Automatic Stay Stops Paycheck Garnishments, Bank Account Levies and Sheriff Sales

The purpose of bankruptcy is to give a debtor a “fresh start” by providing temporary protection from creditors. Part of that protection is the automatic stay, which is a legal Read More

How the Bankruptcy Court Can Assist Debtors in Modifying Their Mortgages

Many people file for Chapter 13 bankruptcy to stop foreclosure on their homes due to mortgage delinquencies. Chapter 13 initiates an automatic stay that halts foreclosure proceedings while the case Read More

Even Some One-time Billionaires Ended up Filing for Bankruptcy Protection

Many New Jersey residents wait to learn about bankruptcy or other debt relief options because they are embarrassed or believe that serious financial problems are limited to a certain segment Read More

What Happens in Mandatory Bankruptcy Counseling?

One aspect of bankruptcy that people sometimes overlook is the mandatory counseling that must be completed at each end of the process. First, you have to receive counseling in the Read More

Do You Need Relief from the Financial Pressure Caused by Inflation and Higher Interest Rates?

Americans have faced unprecedented challenges over the last couple of years. In the wake of the COVID-19 pandemic, some industries have not fully recovered while many individuals are still trying Read More

Pros and Cons of Short Selling Your Home to Avoid Foreclosure

Homeowners who fall behind on their mortgage payments face the possibility of foreclosure — a forced sale of the property that allows the lender to recover part of the debt Read More

Why Bankruptcy Is Often a Better Path Than Debt Consolidation

Debt consolidation companies purport to offer you a way out of financial straits by rolling all of your debts into a single loan or line of credit, thereby simplifying the Read More

Obtaining a Hardship Discharge of Student Loans in Bankruptcy

Student loans saddle many college and professional graduates with heavy debt that can persist for years. Since well-paying employment is not a guarantee for the well-educated, student loan debt can Read More

Using Chapter 13 Bankruptcy to Cure Mortgage Arrears

If you are a homeowner who falls behind on your mortgage payments, it might seem impossible to make your account current again. If the bank isn’t patient, it may accelerate Read More

Debtor Beware: The Bankruptcy Automatic Stay Doesn’t Stop Everything

One of the benefits of filing for bankruptcy protection is the automatic stay, which stops most creditors in their tracks. It prevents filing or proceeding with lawsuits to collect judgments, Read More

Viewing 1 - 16 out of 71 posts