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Established New Jersey Bankruptcy Attorney Protects Your Most Valuable Assets

Plan a bright financial future with the benefit of our detailed advice

When your financial troubles and fears are mounting, it is easy to jump to conclusions about what assets you will be able to keep. One of the great advantages of Chapter 13 bankruptcy is that it allows you to keep your property while you pay back all or a portion of your debts over time. A payment plan is therefore the crux of a Chapter 13 case. Since 1991, the Law Offices of James C. Zimmermann has been helping New Jersey residents to develop workable payment plans. With our trusted, responsive handling of your case, we can set you and your family on an excellent footing for financial stability and, ultimately, growth.

Will I be able to keep my home?

Chapter 13 bankruptcy is designed to let you save your home from foreclosure. As long as a mortgage company has not already completed a foreclosure sale, your filing of a Chapter 13 petition automatically stays any pending foreclosure proceedings. However, you must still make past mortgage payments, as well as those that are due during the term of your payment plan. Our honest lawyer will guide you throughout the filing process and beyond.

How do I pay back creditors?

Chapter 13 allows you to reschedule certain secured debts (debts secured by property on which a creditor has a lien, other than a mortgage for your primary residence) and extend them over the life of your payment plan. Doing this may lower the payments. At our accomplished firm, we help you create a carefully planned strategy to repay your debts to creditors.

Will my spouse have to pay back debts, too?

Unless the bankruptcy court authorizes otherwise, Chapter 13 protects “co-debtors” — that is, individuals who are liable along with the primary debtor — from having to pay “consumer debts” that a creditor may try to collect. Consumer debts are those an individual incurs primarily for a personal, family or household purpose. We help you protect your spouse from having to pay these debts.

Contact a New Jersey bankruptcy firm and reclaim your peace of mind

James C. Zimmermann is a highly experienced and persistent attorney who will work with you to protect the people and property you hold dear. Contact the Law Offices of James C. Zimmermann today to arrange a free consultation and learn how we can help. Call us at 973-764-1633 or contact us online. We represent clients throughout New Jersey’s Sussex and Passaic counties.