Bankruptcy

New Jersey Bankruptcy Attorney: Debt Relief Through Chapter 7, 13 or 11

Overwhelmed by credit card debt, medical bills or business debt? Facing foreclosure, garnishment or creditor harassment? If your financial burden has become a personal burden, there is hope and help.

Avoid risky debt consolidation services - call Keith, Winters & Wenning at 732.774.1212 now to see if you are eligible for debt relief through bankruptcy.

Have personal or business debts accumulated to the point where you can't meet living or operating expenses? If you have suffered from a business or market downturn or unexpected family crisis, the knowledgeable bankruptcy attorneys of Keith, Winters & Wenning can help you decide if filing for bankruptcy makes sense for your unique circumstances.

Experienced Bankruptcy Attorneys: Free Consultation at 732.774.1212

Based in Bradley Beach, New Jersey, our firm represents individuals and businesses considering bankruptcy (Chapter 7 liquidation, Chapter 11 and 13 reorganizations). We also serve creditors in bankruptcy proceedings to maximize their recovery of outstanding debts by challenging bankruptcy petitions and asserting preference. Our lawyers are well versed in the recent changes to the Bankruptcy Code, enacted under the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA), 11 U.S.C. Section 101.

The Mortgage Crisis: Is Your Home in Jeopardy? Contact Us

Foreclosure. The word strikes fear into the hearts of investors and homeowners alike. The nation's attention is now focused on the troubled housing market and the collapse of mortgage-financed investment vehicles. Innocent families are caught in the crossfire. They face losing their homes and their future security, and there is no government agency or foreign bank to bail them out.

If you are facing foreclosure, there are real options. Keith, Winters & Wenning can help you seek effective debt relief in bankruptcy and still keep your home. Contact an experienced New Jersey bankruptcy and foreclosure attorney now to learn how.

Bankruptcy - A New Beginning

The bankruptcy laws exist to provide a fresh start for honest debtors who are overextended because of medical bills, unemployment, high credit card balances or a combination of circumstances. With more than 45 years of combined experience, our experienced bankruptcy lawyers can guide you through the complex process. Their demonstrated skills and deep knowledge of bankruptcy law may help you to keep most or all of you assets, including your home, business and possessions.

Chapter 7 Bankruptcy - Business and Personal Debt Liquidation

Under Chapter 7 of the Bankruptcy Code (U.S.C. 11), most unsecured debts are discharged, or eliminated, and creditors can no longer come after you. Mortgage or car loans (secured debt) can be affirmed by continuing payments or forfeited in your Chapter 7 filing. Our attorneys can fully explain what debts are dischargeable and whether you qualify under income guidelines.

Chapter 13 Reorganization - Debt Reduction for Wage Earners

The Bankruptcy Reform and Abuse Act of 2005 has made it more difficult to seek a debt liquidation bankruptcy (Chapter 7), forcing many of our clients to pursue debt relief in Chapter 13 bankruptcy. The benefit of this change in the bankruptcy laws is that under Chapter 13, you retain all possessions and repay a portion of your debts through a structured plan, with monthly payments spread over 3 to 5 years. Reorganization enables homeowners who are behind on mortgage payments or car loans to avoid foreclosure or repossession.

Chapter 11 - Business Debt Reorganization

Is your business suffering a temporary setback, or is it doomed? Through sophisticated analysis of financial information, the veteran bankruptcy attorneys of Keith, Winters & Wenning assist business owners in making that determination. Filing for Chapter 11 reorganization issues a stay against creditor actions while you restructure debts and assemble a plan for business recovery.

Get Immediate Relief From Creditors: Call 732.774.1212

We know bankruptcy law, and we have helped thousands of people obtain debt relief since our firm was founded in 1944. For more information, please see our Family FAQs. For a free consultation with a New Jersey bankruptcy lawyer who will guide you every step of the way and help you emerge from bankruptcy in the best possible position, contact us.

New Jersey Bankruptcy Attorneys:

Michael Wenning
Brian Winters
Amy Hansel

Keith, Winters & Wenning, L.L.C. is a licensed debt relief agency. We help businesses and individuals file for bankruptcy relief under the Bankruptcy Code.