Debt Doesn't Have to Define Your Future. Our Bankruptcy Attorneys in Burlington, NJ, Can Help You
Financial hardship doesn't discriminate. Whether you live in Burlington Township, the City of Burlington, or elsewhere along the Route 130 corridor, a job loss, unexpected medical bills, divorce, or a business downturn can quickly create overwhelming debt. If you're struggling to keep up, the Burlington Township bankruptcy lawyers at The Law Offices of Howard N. Sobel, P.A., can help you understand your options.
Our firm has served South Jersey individuals and businesses for more than 40 years. We understand the financial challenges facing residents of Burlington Township and the City of Burlington, and we help clients use the protections available under federal bankruptcy law to move toward a more stable future.
If you're ready to understand your options, contact our bankruptcy attorneys in the City of Burlington, NJ, for a free initial consultation through our online contact form.
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Bankruptcy Cases We Handle for Burlington Township and City of Burlington Clients
The Law Offices of Howard N. Sobel, P.A., handles a range of bankruptcy matters for individuals and businesses throughout Burlington County. Here's what we can help you with:
- Chapter 7 (liquidation bankruptcy) in Burlington Township and the City of Burlington, NJ: This chapter allows eligible individuals to discharge many unsecured debts, such as credit card balances and medical bills, relatively quickly. Many Chapter 7 cases are resolved within three to six months of filing.
- Chapter 13 (repayment plan bankruptcy) in Burlington Township and the City of Burlington, NJ: If you have a regular income and want to keep your assets, Chapter 13 may let you repay debts over a three-to-five-year court-approved plan. It's often the right choice for homeowners who want to stop foreclosure and catch up on missed mortgage payments.
- Stopping wage garnishment in Burlington Township and the City of Burlington, NJ: Filing for bankruptcy triggers an automatic stay under federal law, which immediately halts most collection actions, including active wage garnishments. If your Burlington County employer is already withholding wages, we can move quickly to stop it.
- Stopping foreclosure in Burlington Township and the City of Burlington, NJ: Chapter 13 in particular can halt a foreclosure already in progress and give you the time and structure to get current on your mortgage. This protection kicks in the moment your case is filed.
- Business bankruptcy (Chapter 11) in Burlington Township and the City of Burlington, NJ: For businesses that need to reorganize debts while continuing operations, Chapter 11 may provide a structured path forward. We can discuss whether this option fits your situation during your consultation.
What You Need to Know Before Filing, According to Our Burlington Township Bankruptcy Lawyers
Before you file, there are several important considerations specific to New Jersey and Burlington County that can affect your case. Understanding these upfront helps you make informed decisions and avoid surprises.
- New Jersey and federal bankruptcy exemptions: Bankruptcy law allows filers to protect certain assets, called exempt property, from liquidation. These protections may cover items like a portion of your home's equity (the homestead exemption), a vehicle up to a certain value, and retirement accounts. New Jersey's exemptions differ from federal exemptions, and choosing the right set can make a meaningful difference in what you keep. An attorney helps you evaluate which option works in your favor.
- The means test for Chapter 7: To qualify for Chapter 7, your income must fall at or below a threshold based on New Jersey's median income figures. If your income is above the applicable threshold, a more detailed analysis may be required to determine whether Chapter 7 is available. In some situations, Chapter 13 may provide an alternative path to bankruptcy relief. We'll run through this analysis with you during your consultation.
- The automatic stay: The moment you file, federal law puts an immediate stop to most creditor collection actions. Phone calls, lawsuits, many wage garnishments, and foreclosure proceedings generally stop while the automatic stay remains in effect. This protection gives you breathing room while your case proceeds.
- Credit counseling requirement: Federal law requires you to complete an approved credit counseling course before filing and a debtor education course before your discharge is granted. Our firm can point you toward approved providers, so this step doesn't slow you down.
Filing Bankruptcy in Burlington Township and the City of Burlington
Bankruptcy cases are filed in the U.S. Bankruptcy Court for the District of New Jersey. The specific vicinage that handles a case can depend on the municipality in which the filer resides and the court's venue assignments.
For residents of Burlington Township and the City of Burlington, understanding where a case will be administered is an important part of the process. The 341 Meeting of Creditors and other bankruptcy proceedings are conducted through the federal bankruptcy system rather than the Burlington County Superior Court.
While bankruptcy is governed by federal law, it often intersects with state-court issues such as foreclosure actions and judgment enforcement. An attorney familiar with both systems can help ensure those issues are addressed appropriately throughout the bankruptcy process.
The Law Offices of Howard N. Sobel, P.A., regularly assists South Jersey residents with bankruptcy matters and helps clients understand what to expect at every stage of the process.
Why Hire The Law Offices of Howard N. Sobel, P.A.'s Bankruptcy Attorneys in Burlington, NJ
There's no shortage of attorneys who handle bankruptcy filings. What sets our firm apart is the combination of deep local knowledge, sustained peer recognition, and a genuine commitment to treating every client as an individual.
Our bankruptcy attorneys in Burlington, NJ, have been serving South Jersey clients for more than four decades. That's more than 40 years of experience in Burlington County and Camden County matters, built one client relationship at a time. Howard N. Sobel has been named to the New Jersey Super Lawyers list in General Litigation every year since 2010, a distinction limited to no more than five percent of attorneys in the state. He has also received multiple Top Attorney recognitions from SJ Magazine and received the Awesome Attorney designation from South Jersey Magazine.
But credentials only matter if they translate into how you're treated. We deliberately operate differently from high-volume bankruptcy mills. Your situation is not identical to the person before you or after you, and we take the time to understand what you're actually facing before recommending a path forward. That means identifying which available bankruptcy exemptions best protect your assets, explaining what the 341 meeting will look like, and keeping you informed at every step from your initial means test analysis through to discharge.
Our Burlington bankruptcy lawyers also understand that financial stress shouldn't create barriers to getting help. We take the time to explain your options, answer your questions, and help you make informed decisions about the path forward.
Contact Burlington Bankruptcy Lawyers at The Law Offices of Howard N. Sobel, P.A.
If creditor calls are constant, your wages are being garnished, or foreclosure feels like it's closing in, waiting only gives those problems more time to grow. Burlington County residents dealing with debt don't have to face these situations alone, and the bankruptcy attorneys in Burlington, NJ, at The Law Offices of Howard N. Sobel, P.A., are ready to help you understand your options.
Contact our office online or call us at 856-746-4150 to set up a free initial consultation and learn more about the bankruptcy options available to you.