When should you consider declaring bankruptcy?
Are the minimum payments on your credit cards and personal loans hundreds, if not thousands of dollars every month? Are you making these minimum payments and not seeing a dent in your revolving debt? Do you not see an end in sight, or a solution to paying off your debts? Are you or your business being sued? Time to reach out to me to see how you can get complete forgiveness on credit card debt, personal loans, business debts, lawsuit liability, and medical debt. And improve your credit in the process. Let’s sit down and discuss your situation and options. I look forward to meeting with you and being of assistance.
Are you falling behind on your mortgage payments? Is your mortgage company refusing to accept your payments since you are not current? Do you want to get a mortgage or loan modification? Did you just get served with a foreclosure complaint? Is a Sheriff Sale scheduled on your home?
If so, A Chapter 13 Bankruptcy could make sense for you. Chapter 13 Bankruptcy forces your lender to start accepting your mortgage payment again and amortizes your mortgage arrears (back payments) out over 36-60 months. Chapter 13 Bankruptcy can stop foreclosure, require your lender to thoroughly and completely review you for a loan modification, and even force your mortgage company to hold off on a Sheriff Sale while you sell your home.
Why to hire an experienced Monmouth County bankruptcy attorney
We are a small office that has been in business in Monmouth county since 1985 with a convenient centrally-located Monmouth County location and a practice dedicated to bankruptcy law, mortgage and loan modifications, and foreclosure defense. We are small by design to offer you outstanding representation and excellent customer service. We wouldn’t have it any other way. You will always meet with Jonathan Goldsmith Cohen, Esq. for a consultation and all follow-up appointments. And all court appearances, of course. He is available for you anytime via email, phone, or text. His job is to take on the worry and anxiety of your financial difficulties and help you get on with the next steps in your life.
As a life-long Monmouth County resident, Trustee of the Monmouth County Bar Association, and Barrister of the Bankruptcy Inn of Court, Jonathan knows all of the players involved in bankruptcy and non-bankruptcy solutions for your debts and legal issues. Not only does he know all of the players, he maintains an excellent reputation with the bankruptcy court judges, bankruptcy trustees, state court judges, and all creditor’s attorneys. You want someone on your side who knows the local nuances to federal bankruptcy practice and also someone who can work with the parties involved to zealously and effectively advocate your interests and achieve excellent results.
How the Monmouth County bankruptcy process works
In Monmouth County, your call to action may be loss of a job, falling behind on your mortgage payments, a lawsuit where you are being sued or are a creditor in a bankruptcy proceeding, or realizing that you are carrying unsustainable amounts of debt. Monmouth County has high housing costs and a high cost of living. I represent everyone from your local mail carrier to local business owners and corporate executives with six figure incomes.
Your bankruptcy process may begin when you see on the Monmouth County Sheriff’s website that your home is scheduled for a Sheriff’s Sale, or when you are several months behind on your mortgage and a Lis Pendens is filed. A Lis Pendens is a placeholder on the title to your property, recorded in the Monmouth County Hall of Records in Freehold setting forth to the world that you are not current on your mortgage. It also gets reported to Zillow and to public record aggregators such as Redfin and Realtor.com. There are attorneys and “companies” who scour these public records for leads and send you direct mail soliciting magic cures and their services. We are fortunate to get our clients from referrals from former clients and other excellent attorneys and professionals in the area who trust us with their clients.
Your bankruptcy process might also begin when you are sued in Monmouth County Superior Court. Same public records search and direct mail campaigns as when you are not current on your mortgage and there is a Lis Pendens, Foreclosure Complaint filed, or Sheriff Sale scheduled.
Trust a firm who has been practicing for over 50 years in Monmouth County, with local roots and the expertise to handle your case with respect and dignity and to deliver outstanding results.
Get A Free Consultation & Bankruptcy Evaluation
With thousands of cases handled successfully to date, a top not reputation both in Monmouth County and in the Federal Bankruptcy Court, you are in expert, caring hands. A free consultation and bankruptcy evaluation is an opportunity to see if we click, and how we can be of assistance, not a sales pitch. We will see how bankruptcy and non-bankruptcy options can help you, go over short and long term implications, and costs, fees, and affordable payment plans. We look forward to hearing from you.