Contact Us

Please fill out the form below and our attorney will contact you.

!
!
!

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...
    Show More

    — Client

Can You Keep Your Credit Cards in Bankruptcy?

Yes, you can only keep your credit cards in bankruptcy if the creditor agrees to it, however this is rare. The filing of a bankruptcy discharged all of your debts, all of your credit cards, whether you want to or not. Many people have that favorite credit card, store card account that want to keep. Sometimes a creditor will let your keep a credit card if your sign a new agreement to owe the entire balance. Bad idea. Before you "commit" to repay thousands of dollars on an old credit card, remember you may only be 90 days away from new credit. A new credit account has a zero balance. Keeping an old credit card may require you to repay thousands of dollars of old charges. The credit industry may be the most competitive market alive. Creditors want you back, they want anyone that has income and no debt. After your bankruptcy, this can be you. Your keeping your income and all your debt is discharged. Many people are shocked to find that they are receiving new credit only "days" after they file bankruptcy. In the end, you don’t need your old credit cards. Enjoy your fresh start with all new credit.

If you have any additional questions about the bankruptcy process, please contact us today!