EXEMPTIONS - ATTORNEY IN HACKENSACK NEW JERSEY (201) 646-3333

EXEMPTIONS

11 U.S. Code § 522. Exemptions

NJ BANKRUPTCY LAWYER HELP WITH EXEMPTIONS

(a) In this section— (1)  “dependent” includes spouse, whether or not actually dependent; and

 (2)  “value” means fair market value  as of the date of the filing of the petition or, with respect to  property that becomes property of the estate after such date, as of the  date such property becomes property of the estate.

(b) (1)  Notwithstanding section 541 of this title,  an individual debtor may exempt from property of the estate the  property listed in either paragraph (2) or, in the alternative,  paragraph (3) of this subsection. In joint cases filed under section 302 of this title  and individual cases filed under section 301 or 303 of this title by or  against debtors who are husband and wife, and whose estates are ordered  to be jointly administered under Rule 1015(b) of the Federal Rules of  Bankruptcy Procedure, one debtor may not elect to exempt property listed  in paragraph (2) and the other debtor elect to exempt property listed  in paragraph (3) of this subsection. If the parties cannot agree on the  alternative to be elected, they shall be deemed to elect paragraph (2),  where such election is permitted under the law of the jurisdiction where  the case is filed.

(2)  Property listed in this paragraph is property that  is specified under subsection (d), unless the State law that is  applicable to the debtor under paragraph (3)(A) specifically does not so  authorize.

(3) Property listed in this paragraph is— (A)  subject to subsections (o) and (p),  any property that is exempt under Federal law, other than subsection (d)  of this section, or State or local law that is applicable on the date  of the filing of the petition to the place in which the debtor’s  domicile has been located for the 730 days immediately preceding the  date of the filing of the petition or if the debtor’s domicile has not  been located in a single State for such 730-day period, the place in  which the debtor’s domicile was located for 180 days immediately  preceding the 730-day period or for a longer portion of such 180-day  period than in any other place;

(B)  any interest in property in which the debtor had,  immediately before the commencement of the case, an interest as a tenant  by the entirety or joint tenant to the extent that such interest as a  tenant by the entirety or joint tenant is exempt from process under  applicable nonbankruptcy law; and

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I'm Frank. I'm presently right now in my lawyer's office Rafael Gomez, he's a really great lawyer, he helped me out in a serious case and he can help you out too and now and everything you can give them a call at 201 646 3333. Thank you.

(C)  retirement funds to the extent that those funds  are in a fund or account that is exempt from taxation under section 401,  403, 408, 408A, 414, 457, or 501(a) of the Internal Revenue Code of 1986.

  If the effect of the  domiciliary requirement under subparagraph (A) is to render the debtor  ineligible for any exemption, the debtor may elect to exempt property  that is specified under subsection (d).

(4) For purposes of paragraph (3)(C) and subsection (d)(12), the following shall apply: (A)  If the retirement funds are in a retirement fund that has received a favorable determination under section 7805 of the Internal Revenue Code of 1986,  and that determination is in effect as of the date of the filing of the  petition in a case under this title, those funds shall be presumed to  be exempt from the estate.

(B)  If the retirement funds are in a retirement fund that has not received a  favorable determination under such section 7805, those funds are exempt  from the estate if the debtor demonstrates that— (i)  no prior determination to the contrary has been made by a court or the Internal Revenue Service; and

(ii) (I)  the retirement fund is in substantial compliance with the applicable requirements of the Internal Revenue Code of 1986; or

(II)  the retirement fund fails to be in substantial compliance with the applicable requirements of the Internal Revenue Code of 1986 and the debtor is not materially responsible for that failure.

(C)  A direct transfer of retirement funds from 1 fund  or account that is exempt from taxation under section 401, 403, 408,  408A, 414, 457, or 501(a) of the Internal Revenue Code of 1986, under section 401(a)(31) of the Internal Revenue Code of 1986,  or otherwise, shall not cease to qualify for exemption under paragraph  (3)(C) or subsection (d)(12) by reason of such direct transfer.

(D) (i)  Any distribution that qualifies as an eligible rollover distribution within the meaning of section 402(c) of the Internal Revenue Code of 1986  or that is described in clause (ii) shall not cease to qualify for  exemption under paragraph (3)(C) or subsection (d)(12) by reason of such  distribution.

(ii) A distribution described in this clause is an amount that— (I)  has been distributed from a fund or account that  is exempt from taxation under section 401, 403, 408, 408A, 414, 457, or  501(a) of the Internal Revenue Code of 1986; and

(II)  to the extent allowed by law, is deposited in such  a fund or account not later than 60 days after the distribution of such  amount. 

MYTHS ABOUT BANKRUPTCY - BANKRUPTCY ATTORNEY IN HACKENSACK NJ (201) 646-3333

 

MYTHS ABOUT BANKRUPTCY

There are many misconceptions regarding bankruptcy that affect a person's decisions on whether they should file for bankruptcy protection or not.  When considering bankruptcy, it is best to obtain advice from a professional New Jersey bankruptcy lawyer like Rafael Gomez who has the legal expertise to answer all your questions.

At the Law Office of Rafael Gomez, we have the knowledge you will need to fully discuss your options when it comes to dealing with your debt and finding out if bankruptcy is right for you.  There are common myths abounding, which we will answer for you briefly. 

All my debts can be eliminated with bankruptcy.

Although you can discharge quite a few types of debt, certain ones such as child support, alimony, taxes and student loans are still owed and cannot be discharged through any type of bankruptcy.

My credit will be ruined for 10 years.

Although a bankruptcy will appear on your credit history for 10 years, your credit rating will begin to improve as time goes by and you re-establish your credit.  Your credit was probably already affected considerably if you had late payments or any wage garnishments or lawsuits.

Bankruptcy is hard to get through and qualify for.

When you have an experienced bankruptcy lawyer like Rafael Gomez working with you, the most difficult part of it will be in making your own personal decision as to whether  to file or not.  Your attorney will help you with determining which filing is right for you and will take care of all the legal paperwork.

My name is Stephanie Rosado, my family and I have been using Mr Gomez as our attorney for a really long time, he's been very useful and he can help you too. So give him a call now.

I will lose everything  I own.

Most bankruptcies do not affect your being able to keep all of your assets.  Many assets are protected by bankruptcy exemption laws.  In fact, the majority of people who file for bankruptcy give up none of their assets.

I will not be able to get credit again.

Not so.  Although  you will pay higher interest rates for a time, you will begin getting credit offers shortly after your filing. 

My employer will be notified when I file for bankruptcy.

When a person files for bankruptcy, he or she does not need to send a notification to his or her employer. Although bankruptcy cases are public records, it is unlikely that anyone will find out unless you tell them, or unless you are a celebrity or prominent businessperson of some kind (in which case the press may publish information about a bankruptcy case.)

If I file for bankruptcy I will never be able to buy a home or a car.

Most debtors are definitely able to purchase a home or a vehicle even after filing for bankruptcy. It usually takes approximately 2 years until you may purchase a home, and less time for an automobile purchase or for credit card offers.

I will lose my house and my car if I file for bankruptcy.

Although Chapter 7 is associated with a “liquidation” of assets, this does not necessarily mean that you will lose everything, including your house and your car. These are protected to a certain degree in the bankruptcy process, and an attorney can help explain this in more detail as it may apply to your particular case. Chapter 13 bankruptcy provides even more protection to assets, as it is a reorganization of debt.

I'm Jose Bautista, owner of Infinity Express. I recommend Rafael Gomez. I had a case with him with a bunch of tickets from the state and he won. He dismissed most of my tickets and I paid little to no money.

Don't fall for bankruptcy myths.  Get the truth by contacting New Jersey Bankruptcy lawyer Rafael Gomez. He has helped debtors living in Bergen, Hudson and Passaic Counties in Northern New Jersey for many years.

WHO DECLARES BANKRUPTCY - BANKRUPTCY LAWYER IN NEW JERSEY (201)646-3333

 

Who Declares Bankruptcy

The individuals and business who file for bankruptcy have far more debts than money to cover them and don’t see that changing anytime soon. In 2019, bankruptcy filers owed $116 billion and had assets of $83.6 billion, almost 70% of that was real estate holdings, whose real value is debatable.

What is surprising is that people – not businesses – are the ones most often seeking help. They have taken on financial obligations like a mortgage, auto loan or student loan – or perhaps all three! – and don’t have the income to pay for it. There were 774,940 bankruptcy cases filed in 2019, and 97% of them (752,160) were filed by individuals.

Only 22,780 bankruptcy cases were filed by businesses in 2019.

Most of the people filing bankruptcy were not particularly wealthy. The median income for the 488,506 individuals who filed Chapter 7, was just $31,284. Chapter 13 filers were slightly better off with a median income of $41,532.

Part of understanding bankruptcy is knowing that, while bankruptcy is a chance to start over, it definitely affects your credit and future ability to use money. It may prevent or delay foreclosure on a home and repossession of a car, and it can also stop wage garnishment and other legal action creditors use to collect debts, but in the end, there is a price to pay.

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I am Nicola Quadratto and I met the great lawyer who gave me a lot of satisfaction and he solved a case at the court that I did not imagine and I recommend him to all people.

FILING JOINTLY - BANKRUPTCY LAWYER IN NEW JERSEY - (201) 646-3333

 

FILING JOINTLY

Married couples have special issues that they should take into account when filing for bankruptcy. Although not a requirement in New Jersey bankruptcy cases, spouses have the option to file a chapter 7 or chapter 13 bankruptcy petition jointly. This is a special type of bankruptcy filing that allows spouses to file together. Essentially, a joint filing involves two separate bankruptcy cases that are administered as a single case in the interest of judicial economy. Only one filing fee is paid for a joint filing.

https://www.youtube.com/watch?v=4Sms6MX6L-E&list=PL4wm_8cKgyi4kkn4ruAyJpkxnSxUkscVc&index=70

Is an Individual or Joint Filing Right For Me?

Determining whether you should file individually or jointly with your spouse is an important issue to consider when determining whether to file for bankruptcy in New Jersey. If you and your spouse share much of your debt, it may be in your best interests to file your petition jointly, as your spouse may be held liable by creditors for the debt that you share. When you consider that many married couples have joint credit cards, mortgage loans and car loans, filing a bankruptcy case jointly in Bergen/Hudson or Passaic County may be the only way to avoid having one spouse held liable for these debts by creditors who may enter a wage garnishment order or bank levy against the assets you want to protect.

Joint and individual bankruptcy in New Jersey will have different impacts on a debtor depending on whether they file a Chapter 7 or Chapter 13 case. For example, filing a Chapter 13 bankruptcy means that the non-filing spouse may be offered more protection from liability for shared debts. Chapter 7, however, may offer no protection to the non-filing spouse.

Discussing the advantages and impacts that a joint bankruptcy filing by husband and wife in New Jersey will have on you and your spouse is important - and a free consultation with Bergen/Hudson County bankruptcy lawyer, Rafael Gomez will help you get started.


Mr. Gomez has helped many married couples who filed jointly and have lived in, for example, Hackensack, Bogota, Maywood, Little Ferry, Paramus, Rochelle Park, Moonachie, Wood Ridge, Hasbrouck Heights, Lodi, Garfield, Oradell, Closter, Englewood, Bergenfield, Teaneck, Ridgefield Park, Cliffside Park, Palisades Park, Leonia, Fort Lee, Tenafly, Fairview and other Bergen County communities. He has also filed joint bankruptcy cases for married couples living in the Hudson County communities of Union City, West New York, North Bergen, Jersey City, Guttenberg, Secaucus, Bayonne, Kearny, Harrison, East Newark and other nearby communities. In Passaic County, Mr. Gomez has filed joint bankruptcy case/petitions for married couples with marital debt who lived in Paterson, Passaic, Clifton, Hawthorne, Haledon, West Milford, West Paterson/Woodland Park, Prospect Park, Ringwood, Totowa and Wayne.

https://www.youtube.com/watch?v=ED4mCf-NNJo&list=PL4wm_8cKgyi4kkn4ruAyJpkxnSxUkscVc&index=75

BANKRUPTCY MISTAKES - BANKRUPTCY LAWYER IN HACKENSACK NJ (201) 646-3333

 BANKRUPTCY MISTAKES

Do not make these mistakes.  They can cause your case to be delayed and even cause the judge to deny your discharge.

1. Don’t Pay Back Loans To Relatives Or Business Associates Before Filing Bankruptcy.

People who are thinking of filing for bankruptcy often feel the desire to pay back loans to friends and family before filing the petition. This is understandable, but it is a big mistake. Under bankruptcy law all creditors who are in the same position must be treated equally. Bankruptcy law views your debt to Uncle Bob as just like your debt to Capital One Visa. You can’t pay Uncle Bob first. If certain creditors are paid ahead of others this is called a “preference.” If a preference occurs the bankruptcy trustee can get a court order forcing Uncle Bob to return the money. This is not good for family harmony.

Even worse than a “preference” is a “fraudulent transfer.” If the court finds that money was paid to a relative in a deliberate attempt to hide assets, this can be found to be a fraudulent transfer. This can result in the complete denial of your discharge, and possibly even criminal charges. This is a very serious matter. If you try and hide things from the court you could end up going to jail.

2. Don’t Transfer Property Out Of Your Name.

Do not transfer ownership of valuable items to family members or others just before filing bankruptcy. If this is discovered the bankruptcy trustee will seek to reclaim this property and sell it for the benefit of creditors. Such transfers of title are frequently unnecessary anyway, because bankruptcy law often provides protection for your home, car, and other valuable items. As with everything in bankruptcy, the key is to be fully honest, disclose everything, and put your cards on the table.

3. Don’t Drain Your 401k To Try And “Catch Up” On Your Debts.

Most retirement funds are protected in bankruptcy.  You will ordinarily be able to wipe out all your debts and still keep your retirement accounts. It is not a good strategy to withdraw money from those accounts and use it to try and catch up on bills that you can’t pay. Most of the time bankruptcy is still required anyway even after you spend the money from the 401k, and then you will have the same bankruptcy but your retirement account will be gone. Don’t make this common mistake.

https://www.youtube.com/watch?v=LsSXdHzok-Y

4. Don’t Wait To File Bankruptcy Until After A Foreclosure Or Repossession.

People often struggle for years under an impossible debt load until they are forced to take action due to a foreclosure or repossession. But this is a wasteful and painful road to travel when your debts are too heavy to carry. If bankruptcy is going to be necessary, it is almost always better to file it sooner rather than later. There is no benefit to be had by spending thousands of dollars and suffering tremendous stress and anxiety chasing after debts that can never be paid. Under U.S. law you have a right to a second chance and fresh start through bankruptcy. Your family will thank you if you get the information you need as soon as possible. Don’t wait until you are faced with an emergency.

5. On The Other Hand, Don’t Rush Into Bankruptcy When It Is Better To Wait.

Although it is usually better to file bankruptcy at the earliest time, in some situations it can be just as important not to file too soon. For example, if you are pregnant or you can see that certain medical bills are likely to arise in the near future, then it is probably best to hold off on filing. It makes no sense to discharge your credit card debts in bankruptcy and then immediately face crushing and unaffordable long term medical bills.

Remember, you can only file chapter 7 once every eight years.

Another reason to wait before you file is if you are expecting an inheritance or large tax refund. Under bankruptcy law a tax refund is treated like cash and depending on your state exemptions you may not be able to keep it. If you are expecting to receive cash of this nature it might be better to hold off on filing until after you receive the money. You can then use this money to pay down non-dischargeable debts like student loans and child support arrears. That way when the bankruptcy process is complete you will be left with a lighter burden as you move forward.

The point here is that sometimes in bankruptcy, timing is everything. There is nothing improper about using the time factor to your advantage within the boundaries of what is legal under the Bankruptcy Code. People do this all the time in relation to tax matters and no one considers it to be improper. You should check with your bankruptcy attorney to get advice on timing under the particular circumstances of your case.

6. Don’t Use Credit Cards Or Take Cash Advances Right Before Filing.

Once you have seriously considered bankruptcy as an option you should immediately stop the use of all credit cards. Bankruptcy law does not allow you to run up credit card charges that you know you will not be able to repay. Credit card use in the months before filing bankruptcy can result in a denial of discharge for some or all of your debts.  It can even result in criminal charges.

7. Don’t Disregard Pending Lawsuits.

Sometimes people assume that if they’re planning to file bankruptcy, they don’t have to respond to or appear in court for pending lawsuits. This is not true.  If lawsuits are allowed to continue before the bankruptcy is filed, this can result in liens against your property. After the petition is filed you will be protected by the “automatic stay,” but until that time be sure not to ignore legal actions take against you.

8. Don’t Keep A Large Amount Of Money In Your Bank Account On The Day You File For Bankruptcy.

If you have more than a minimal amount of money in your bank accounts on the day you file for bankruptcy, the trustee may take it and distribute it to creditors. You should time your bankruptcy filing so that the lowest amount possible is in your bank account the day (and hour) that you file. Keep in mind that you cannot simply withdraw the cash to reduce your account. Rather, you must empty your account, as much as possible, by using it up paying normal living expenses and non-dischargeable debts.

As a related matter, it is a good idea to move your bank account if you have your account with the same bank that issued your loans or credit cards. Once you file bankruptcy that bank has the right to “setoff.” This means that the bank can take the money in your account to cover your loans on the day you file. Therefore, if the bank is your creditor you should move your money to a different bank before filing.

https://www.youtube.com/watch?v=Hp-Z-3MCqNA

9. Don’t Fail To Attend Your Hearing(s).

In most cases, you must attend just one bankruptcy hearing in a chapter 7, and two in a chapter 13. If you don’t attend these hearings, the court could dismiss your bankruptcy.  This would mean that you would lose any legal protection you had from the bankruptcy and you would go back to the same position you were in before filing.

10. Don’t Withhold Information From Your Lawyer.

No one likes to reveal the details of their finances, especially when dealing with a bankruptcy. But it is very important to understand that honesty and full disclosure are absolutely essential. The law is actually on your side in bankruptcy. If you follow the rules, bankruptcy is a powerful tool that can give you a second chance and a fresh start.  But in exchange for that fresh start, bankruptcy law requires that you put all your cards on the table. Your bankruptcy lawyer must be aware of all the facts in order to protect your interests.  Lack of information creates serious risks.

It is also important to remember that you will sign your petition under oath, expressly stating that you have fully disclosed all relevant facts. If you hide facts you can lose assets, have your bankruptcy case dismissed, and even face criminal charges. Your lawyer also may withdraw from your case if you are not completely honest.

Remember, withholding information from your lawyer is never the right choice.  You will never obtain a better result by hiding information, and you will risk the possibility of serious negative consequences.

REPOSSESSION - BANKRUPTCY ATTORNEY IN BERGEN COUNTY - (201) 646-3333

 

REPOSSESSION

BANKRUPTCY LAWYER IN HACKENSACK 

NEW JERSEY (201) 646-3333

Anyone who has fallen behind on their car payments or other loans for personal possessions or work tools eventually faces the threat of repossession.  Miss too many payments and your truck or car may suddenly be seized by the dealership or bank from your home or where you work.  If you have so many debts that you simply cannot keep up with even the minimum payments or have begun to use one credit card to pay off another you need help. There are solutions to such serious financial problems. One solution to consider is bankruptcy.  To find out more and learn how bankruptcy could protect your car or other possessions from repossession you should speak to a northern New Jersey 

Bankruptcy lawyer from Bergen, Hudson and Passaic County like Rafael Gomez.

https://www.youtube.com/watch?v=QLLSe71o27A

My name is Alex. I recommend Mr Rafael Gomez, he did a wonderful job, he came highly recommended and it proved to be true and if you're ever ever need a great attorney he's the right person for the job and he'll stay with you due to the end and hopefully things will work out. Thank you.

FORECLOSURE BANKRUPTCY LAWYER IN HACKENSACK NJ (201) 646-3333

 

FORECLOSURE

(201) 646-3333 BERGEN COUNTY BANKRUPTCY LAWYER

Today many New Jersey homeowners living in Bergen, Hudson or Passaic County are faced with the crisis of losing their homes.  More people are asking how foreclosure will affect their credit.  The answer to that question is: it will affect your credit very negatively along with a host of other financial ramifications.  If the foreclosure process begins on your home you will not be able to apply for any type of loan for two full years.  This includes any kind of financing no matter how small.

https://www.youtube.com/watch?v=VsG_o0LCZWw&feature=youtu.be

My name is Stephanie, me and my family have been using Mr Gomez as our attorney for a really long time now. And we 100% recommend that you call him right now.

Many people in northern New Jersey mistakenly believe that all mortgage debt is extinguished once a lender forecloses on the property. In fact, given the depressed real estate market, most lenders must often sell the foreclosed property for less than the mortgage amount or less than market value. This leaves the lender with one remedy: file suit against the debtor for the "deficiency". The deficiency is the amount the debtor still owes the bank because the sale of the house did not cover the mortgage on the house. This debt remains and does not go away as many people mistakenly believe. Fortunately, those New Jersey debtors who have walked away from  a property on purpose or who have been foreclosed because they were unable to modify their mortgage may file bankruptcy to discharge the debt the bank will continue to pursue. In most of these cases the best option is to file a Chapter 7 Bankruptcy since there is no longer any equity about which to be concerned.

https://www.youtube.com/watch?v=rV83tVUMDKc&feature=youtu.be

Good morning. My name is Asunta Colombo. I'm from Salerno, Italy. And I went to Mr. Gomez to take my case and he won and I'm very very happy.

SHORT SALE / DEED IN LIEU - (201) 646-3333

 

Short Sale/ Deed In Lieu

Many individuals in the northern New Jersey area are facing serious problems regarding the ownership of a home purchased during the sub-prime mortgage boom.  No one really understood how terrible the result of this type of mortgage could be.  Sadly, many families in the Bergen, Hudson and Passaic County area have already lost their homes as they did not take immediate action and contact a New Jersey Bankruptcy lawyer to assist them in resolving the issue.  Many debtors believe that participating in a short sale or signing over a deed in lieu of foreclosure will forever wipe out any mortgage debt. However, we have seen in many cases that lenders are coming after these debtors for the "deficiency" and many times are suing debtors to collect the deficiency.

A short sale is essentially the opportunity to sell your home for an amount that is less than the mortgaged amount. This can be a viable option for some individuals, but in other cases, it is too far past the point where a short sale can be achieved before foreclosure.  In these cases, it may be necessary to file a bankruptcy filing to halt the proceedings on the foreclosure in order to have time to resolve the issue and not end up out on the street.  Each case is unique, and it is critical that you get knowledgeable legal advice and are steered in the right direction, depending on your circumstances.

https://www.youtube.com/watch?v=rV83tVUMDKc&feature=youtu.be

Good morning. My name is Asunta Colombo. I'm from Salerno, Italy. And I went to Mr. Gomez to take my case and he won and I'm very very happy.

What is a deed in lieu?

A deed in lieu is another option that is available to some individuals.  This is when the property is signed over to the bank and the individual no longer has to deal with the main mortgage securing the property. However, many debtors have mortgaged their property with two mortgages. It is typical for many northern New Jersey homeowners to have financed their homes with and 80/20 type of mortgage situation. This is where one mortgage secures 80% of the home and another mortgage secures the other 20% percent of the home.  These debtors usually purchased the home with no down payment and 100% financing.  Signing over a deed in lieu of foreclosure may in some cases resolve the problems with the larger mortgage; however, the smaller mortgage is still owed to the lender (usually a different lender).    These matters are emotional and extremely upsetting, and the northern New Jersey bankruptcy law firm of Rafael Gomez understands that you need help, and you need it now.  Your questions will be answered confidentially and you will understand your actual options, and can avoid scam artists that are preying on those who are suffering financial stress.

Contact Bergen, Hudson, Passaic County bankruptcy attorney Rafael Gomez by calling (201) 646-3333

https://www.youtube.com/watch?v=VsG_o0LCZWw&feature=youtu.be

My name is Stephanie, me and my family have been using Mr Gomez as our attorney for a really long time now. And we 100% recommend that you call him right now.

BERGEN COUNTY NEW JERSEY BANKRUPTCY - (201) 646-3333

 BERGEN COUNTY NEW JERSEY BANKRUPTCY

Considering Filing for Bankruptcy?

With the economy in its current state, hearing that people are struggling with debt is, sadly, not as uncommon as one would like to hear. Too many people find themselves slipping further and further down the slippery slope, caught between the fast paced world that we live in and the simultaneous culture of plastic money and wanting more. Credit card companies are of no help either, as at the end of the day they are only concerned with making a profit, not helping you get your feet back underneath you to successfully move forward with your life.

If you are currently facing a situation similar to this, it is in your best interest to talk to an experienced  New Jersey bankruptcy lawyer about the possibility of filing for bankruptcy. By talking to someone knowledgeable about this process, you can have your questions answered; questions about bankruptcy warnings signs, if you qualify, what chapter is right for you, the bankruptcy benefits, exemptions, what you will lose and the types of debts that can be eliminated. Bankruptcy can be a terrifying, confusing process to try and take on, but with the proper guidance, you have no reason to fear it. It can merely be a way for you to move forward into the next chapter in your life.

https://www.youtube.com/watch?v=U0bAojBmfmU&list=PL4wm_8cKgyi4kkn4ruAyJpkxnSxUkscVc&index=21

My name is Paulino I am a client of Rafael Gomez, he's really intelligent, stays on top of his duties. I strongly recommend him as your lawyer, come through.

Why Hire a Bankruptcy Lawyer?

At the law firm of Rafael Gomez, we understand the questions and concerns you will have if you are considering filing for bankruptcy. We know that it appears complex and the ideas of Chapter 7, and Chapter 13 may appear foreign and overwhelming. There, are, however many things that you can do to help yourself. By closely working with your case, and giving you the undivided personal attention that you deserve, you can breathe easier knowing that you are dealing with someone devoted to getting you to the optimum outcome. No matter if you are concerned with credit card debt or life after bankruptcy, we will be here to help you.

https://www.youtube.com/watch?v=h96cXG_Eexw&list=PL4wm_8cKgyi4kkn4ruAyJpkxnSxUkscVc&index=31

Hello friends, my name is Ingrid, I'm a client of Rafael Gomez he did a a little case to me and everything went fine and I will recommend to all of you.

If you are currently considering filing for bankruptcy, contact Rafael Gomez by calling (201) 646-3333.