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Mr Zimmerman was helpful and kind and prompt . He always answers his phone and that is refreshing . I will be using him for my bankruptcy in the future. He is one of the good ones . He is an outstanding attorney who truley care . He made ev...
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Mr. Zimmermann is a fantastic bankruptcy attorney who handled my case with care, efficiency and urgency. We were able to beat a judgement against me in the nick of time, and I truly feel a sense of relief due to the services of Mr. Zimmerma...
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This Lawyer will go above and beyond for you. As well as show tremendous empathy for those who are vulnerable and scared. His compassion to help civilian's shows through his actions and with his word. When he says he is going to call he cal...
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I’ve worked with Mr.Zimmerman on two different legal issues. In both instances he was fantastic! He is extremely knowledgeable and compassionate and able to breakdown a course of action into language anyone can understand. I would highly re...
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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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- posted: Jan. 27, 2026
In New Jersey and across the country, there is a wide difference of opinions regrading the state of the economy. Whether people are generally thriving or struggling might depend on what metric you’re using or what individual is giving the opinion. According to government records however, one key indicator shows that more Americans are seeking assistance with overwhelming debt.
A review of federal court filings within the PACER System found that in 2025, total consumer bankruptcy cases climbed by more than 50,000, representing roughly a 12 percent rise compared with 2024. This analysis includes proceedings under both Chapters 7 and 13 and continues a trend of increasing U.S. bankruptcies. The 2025 total of approximately 533,000 consumer bankruptcies is more than 170,000 higher than the figure from three years earlier.
Experts say that consumers facing severe financial problems often do not turn to bankruptcy until they have exhausted all other options. Accordingly, people who sought bankruptcy protection in 2025 could have been dealing with serious money troubles for a year or longer due to high prices, elevated interest rates, rising medical costs and the loss of pandemic-related economic relief. Sudden events in one’s personal life can trigger financial hardship as well, such as a job loss, expensive repair project or medical crisis.
No matter what led to your debt issues, you should not hesitate to speak with a qualified bankruptcy attorney if you are unable to pay your bills. Your lawyer can explain your options under Chapters 7 and 13, so that you have the information you need to make a sound choice about filing for bankruptcy. Should you decide to seek bankruptcy protection, you can stop the harassment from creditors and start moving toward the financial security that you deserve. As the statistics show, more than half a million Americans filed for bankruptcy last year, so you’re not alone. Reaching out to a bankruptcy attorney can be the first step in a process that makes an enormous positive difference in your life.
The Law Offices of James C. Zimmermann advises New Jersey residents on a full range of bankruptcy issues. For a free initial consultation, please call 973-764-1633 or contact us online. Our five North Jersey offices are in Vernon, Wayne, Pompton Lakes, Hackensack and Nutley.
