Are you struggling to deal with overwhelming debt and don’t know what to do? Look to the Law Office of Rafael Figueroa to guide you in this time of need. No matter how dire your situation may seem, Rafael Figueroa can help you untangle yourself from the stranglehold of debt.

It’s important to understand that filing for bankruptcy is not a sign of weakness or defeat. It is an opportunity for a fresh start. People from all walks of life and income brackets look to bankruptcy for debt relief. It’s normal to fall on hard times. Unforeseen events such as a job loss, medical condition, or a failed business can wipe you out financially leaving you with no choice but to seek bankruptcy protection.

For over a decade, Rafael Figueroa has been assisting individuals, families, and businesses throughout New Jersey to overcome a wide range of financial hardships through the bankruptcy process.

Bankruptcy attorney Figueroa takes the time to assess your financial situation to see if you qualify for:

Chapter 7. It is the quickest way to “wipe the slate clean” and discharge unsecured debts such as credit card debt, medical bills, payday loans, and collection accounts. Chapter 7 is known as a liquidation bankruptcy in which a trustee may sell non-exempt assets and distribute the proceeds to your creditors. Fortunately, most people do not lose property in a Chapter 7 bankruptcy if they take advantage of state and federal exemptions.

Chapter 13. This bankruptcy allows you to organize your debt and come up with a plan to repay your creditors over a 3-5 year period. You can use Chapter 13 to keep valuable non-exempt property, stop foreclosure of your home or repossession of your vehicles, makeup missed mortgage or vehicle payments and stop interest from accruing on your tax debt.

Take the first step to freeing yourself from your debts and call our office to schedule an initial consultation. At that time, we will go over our fees and services, and start working with you on your bankruptcy protection.