The top-rated bankruptcy lawyer in Toms River, New Jersey is Silvio M. Silvi Attorney at Law, L.L.C., rated 4.9 stars across 94 reviews. Other highly rated options include Straffi & Straffi Attorneys at Law | Bankruptcy Attorney and Divorce Lawyer, The Law Office of MaryBeth Schroeder, Fedele & Honschke Attorneys at Law, L.L.C.. This directory lists 15 bankruptcy lawyers serving Toms River.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Silvio M. Silvi Attorney at Law, L.L.C. | 189 NJ-37 | (732) 349-4949 |
| 2 | Straffi & Straffi Attorneys at Law | Bankruptcy Attorney and Divorce Lawyer | 670 Commons Way | (732) 573-4088 |
| 3 | The Law Office of MaryBeth Schroeder | 984 NJ-166 #6 | (732) 228-7400 |
| 4 | Fedele & Honschke Attorneys at Law, L.L.C. | 202 NJ-37 Suite 4 | (732) 608-2464 |
| 5 | Regina L. Gelzer, Attorney-at-Law, LLC | 984 NJ-166 #6 | (732) 608-0560 |
| 6 | Kelaher, Van Dyke, Moriarty & Kalksma | 680 Hooper Ave Suite 302 | (732) 505-5444 |
| 7 | Gillman Capone Law | 2 Hooper Ave Suite 6A | (848) 353-0857 |
| 8 | Law Office of David A. Semanchik | 248R Washington St | (732) 240-4055 |
| 9 | South Jersey Legal Services | 215 Main St | (800) 496-4570 |
| 10 | John J Novak Law Offices PC | 3 Franklin Ave | (732) 505-4321 |
Silvio M. Silvi Attorney at Law, L.L.C. serves clients in Toms River, New Jersey, and the surrounding Ocean County area with focused bankruptcy law representation. The firm helps individuals and businesses navigate complex federal bankruptcy procedures, offering guidance on both Chapter 7 asset liquidation and Chapter 13 debt reorganization. Its practice also addresses automatic stay protections and creditor harassment matters, assisting clients in achieving legal discharge of eligible debts. The firm handles foreclosure avoidance strategies within bankruptcy proceedings.
Straffi & Straffi Attorneys at Law provides legal services for individuals and businesses facing financial distress, including bankruptcy representation under Chapters 7 and 13 of the U.S. Bankruptcy Code. It also handles divorce and family law matters that intersect with debt resolution. The firm assists clients who need to stop foreclosure, manage wage garnishments, or restructure overwhelming obligations. Its typical clients include owners of single-family homes, apartments, retail spaces, and restaurants located throughout the Toms River area.
The Law Office of MaryBeth Schroeder assists homeowners, businesses, and individuals facing financial difficulties with bankruptcy filings in Toms River, New Jersey. The firm provides guidance on Chapter 7 and Chapter 13 bankruptcy options, helping clients navigate debt relief and asset protection under federal law. Residents and commercial entities throughout Ocean County rely on this practice for professional legal counsel. The office also serves clients in nearby Lakewood and the broader Jersey Shore metropolitan area.
Serving Toms River and surrounding communities in Ocean County, Fedele & Honschke Attorneys at Law, L.L.C. handles bankruptcy cases for individuals and small businesses. The firm assists clients with Chapter 7 and Chapter 13 filings, addressing issues such as debt discharge and repayment plan development. It also manages related creditor negotiations and court proceedings. For a typical job, the practice reviews each client's financial situation and available exemptions before preparing and submitting the required court paperwork.
Bankruptcy lawyers provide a single, focused legal service that typically does not require recurring visits, whereas many other attorneys offer ongoing representation. Serving clients in Toms River, New Jersey, Regina L. Gelzer, Attorney-at-Law, LLC assists individuals and businesses with Chapter 7 and Chapter 13 bankruptcy filings. This practice handles the full legal process of debt relief, from initial consultation through court proceedings. Services are provided on a one-time, case-specific basis.
Kelaher, Van Dyke, Moriarty & Kalksma specializes in bankruptcy law, guiding clients in Toms River through Chapter 7 and Chapter 13 filings. The firm works to manage unmanageable debt, halt creditor harassment, and navigate the complexities of federal bankruptcy code. It eases the burden of overwhelming financial obligations with clear procedural steps. For those facing home foreclosure or repossession during the winter holidays, the office provides timely counsel on filing to protect essential property and start the new year with a fresh financial outlook.
Gillman Capone Law handles bankruptcy filings and debtor relief matters for clients in Toms River, New Jersey. The practice focuses on Chapter 7 and Chapter 13 bankruptcy cases, offering guidance through the legal process. It assists individuals and small business owners with debt restructuring and financial reorganization. The firm serves commercial sectors including offices, warehouses, and food service establishments.
The Law Office of David A. Semanchik assists clients in Toms River, NJ, with personal bankruptcy matters aimed at addressing residential debt concerns. Commercial bankruptcy services are also available to local businesses needing financial restructuring. The firm covers clients throughout the Ocean County region of New Jersey. Each case receives direct attention from the attorney throughout the legal process. Follow-up consultations and repeat service are available between regular visits to address ongoing financial questions or adjustments to the repayment plan.
As the holiday season and winter months approach, many local residents in Toms River face mounting credit card and medical debts. South Jersey Legal Services responds by offering guidance through the Chapter 7 or Chapter 13 bankruptcy process. The firm helps clients assess their financial situation and understand available legal options for discharging unsecured obligations or establishing a manageable repayment plan. A lawyer will then schedule an initial case review to gather documents and determine the most suitable course of action.
John J Novak Law Offices PC is known for guiding individuals and businesses through Chapter 7 and Chapter 13 bankruptcy proceedings in Toms River, NJ. The firm serves clients facing overwhelming debt, foreclosure, or wage garnishment with practical legal solutions. It focuses on helping locals understand their rights and options under federal bankruptcy law. Additional services include negotiation with creditors to stop collection calls and lawsuits.
What Does a a Bankruptcy Lawyer in Toms River Cost?
Filing fees for Chapter 7 bankruptcy in New Jersey are currently 338 dollars and for Chapter 13 are 313 dollars. Attorney fees for a simple Chapter 7 case range from 1,200 to 2,500 dollars. Chapter 13 attorney fees are often higher and may be paid through the repayment plan. Costs vary based on case complexity and the attorney you choose. This is general information and not legal advice.
About bankruptcy lawyers in Toms River
If you live in Toms River New Jersey and face overwhelming debt a bankruptcy lawyer can help you understand your options. New Jersey bankruptcy cases are filed in the United States Bankruptcy Court for the District of New Jersey which has a division in Trenton. Local attorneys are familiar with Ocean County exemptions and the means test required for Chapter 7 relief.
Frequently Asked Questions
What is the difference between Chapter 7 and Chapter 13 bankruptcy in New Jersey?
Chapter 7 bankruptcy allows you to discharge most unsecured debts after liquidating non-exempt assets. Chapter 13 bankruptcy involves a 3 to 5 year repayment plan based on your income. In New Jersey the means test determines if you qualify for Chapter 7.
How long does a bankruptcy case take in Toms River New Jersey?
A Chapter 7 case typically takes 3 to 6 months from filing to discharge. A Chapter 13 repayment plan lasts 3 to 5 years. The court requires a credit counseling course before filing and a debtor education course after filing.
What property can I keep in a New Jersey bankruptcy?
New Jersey allows you to use state or federal exemptions to protect property. State exemptions include up to 23,675 in home equity and up to 5,000 in vehicle equity. Personal property and retirement accounts may also be protected.
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