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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 7 Bankruptcy Attorneys

Get a Fresh Start.

Chapter 7 is often called the fresh start option because it allows you to wipe out most or all of your unsecured debt, including medical bills, credit card bills and utility bills. It offers individuals immediate relief from creditors.

The minute a Chapter 7 is filed, an “automatic stay” goes into effect. This means that no creditor can call you, they cannot write you and they cannot sue you. If a lawsuit is already pending against you, it is stopped upon your bankruptcy filing. The filing of a bankruptcy procedure will immediately stop collection calls and collection actions against you, and will terminate wage garnishments. Any violations of your rights by a creditor are violations of federal law and are taken very seriously. These violations of the “automatic stay” provision or discharge provision under the United States Bankruptcy Code may provide you with legal rights against the creditor and allow you to collect money damages against any creditor attempting to collect its debts subsequent to the filing of your bankruptcy petition.

Is Chapter 7 Bankruptcy Right for You?

At the Law Offices of Lavery & Sirkis, we have helped thousands file for Chapter 7 bankruptcy. Attorney Joan Lavery is a Northern New Jersey Bankruptcy attorney with over 24 years of experience helping consumers regain control of their finances. Attorney Lavery and her staff will help you along every step of the process – from helping you decide if this is your best choice to preparing your filing. Because there are eligibility requirements for Chapter 7 bankruptcy, we can also discuss your other options should you not qualify based on the means test.

Chapter 7 bankruptcy may allow you to:

  • Eliminate your credit card bills, medical bills, judgments, car loan and real estate deficiencies
  • Discharge tax debt
  • Prevent home foreclosure
  • Stop lawsuits
  • End harassment by creditors
  • Wake up to a day free from debt

Learn more about filing for Chapter 7 in Hackettstown, New Jersey. For a free, confidential consultation on Chapter 7 and other bankruptcy options, please contact us online or call the Law Office of Lavery & Sirkis at 908-850-6161.

Free Consultation

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  • Professional Experience
  • Peer Recommended
  • Spotless Record

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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