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Over 25 Years of Bankruptcy Law Experience

When debt becomes overwhelmng and your course of action is uncertain, allow our experience to guide you back to financial stability and peace of mind.

Hackettstown, New Jersey Chapter 13 Bankruptcy Attorneys

Get the breathing room you need.

Even if you don’t qualify for Chapter 7 bankruptcy, you still have options. Chapter 13 bankruptcy allows you to create an affordable plan that allows you to reduce your overall debt and repay it over a three- to five-year period. What’s more, it may be a highly effective tool in preventing home foreclosure and is also available to individuals who do not qualify for Chapter 7. At the Law Offices of Lavery & Sirkis, our bankruptcy attorneys provide relief through Chapter 13 in Hackettstown, New Jersey and for consumers throughout Central and Northern New Jersey.

What Chapter 13 bankruptcy can do for you.

Attorney Joan Lavery and staff have vast experience in helping you prepare a workable plan under Chapter 13. Once the plan is put in place, it provides you relief by:

  • Stopping a foreclosure proceeding: The minute a bankruptcy petition is filed, a pending foreclosure procedure is stopped
  • Preventing home foreclosure through a forbearance agreement or by allowing you to resume your monthly payment and repay the arrearage over a three- to five-year period
  • Stopping harassment by creditors and collection agencies
  • Stopping lawsuits, wage garnishments, bank account levies and repossessions
  • Eliminating unsecured debt, such as credit card debt
  • Relieving stress on you and your family
  • Allowing you to pay off non-dischargeable debts over a three- to five-year period

How to qualify.

If you have a job and a home and you do not pass the means test for Chapter 7 bankruptcy, chances are you will qualify for Chapter 13. Often called the wage earner plan or debt repayment plan, you must agree to make your best effort to pay off as much of the debt as possible as proposed in your plan of reorganization. You will make one monthly payment to the Chapter 13 trustee, the amount of which is determined by your monthly take-home pay, less your monthly expenses. You don’t have to figure out which of your debtors gets what: the Chapter 13 trustee distributes the payments to your creditors. After three to five years, your remaining debts will be discharged.

Our Hackettstown, New Jersey Chapter 13 bankruptcy lawyers help you through every step of the process to ensure that you come out free of debt and the stress that comes with it.

We can help you with Chapter 13 in Hackettstown, New Jersey and throughout Central and Northern New Jersey. For a free, confidential consultation about Chapter 13 bankruptcy, please contact us online or call the Law Office of Lavery & Sirkis at 908-850-6161.

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Contact Information

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Joan Sirkis Lavery, Esq.
699 Washington Street
Suite 103
Hackettstown, NJ 07840
Phone: 908-850-6161


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