Robert Manchel

As the final post in our 10 Reasons to Hire a New Jersey Bankruptcy Attorney blog series, we will discuss how a competent New Jersey bankruptcy lawyer can help you select the right bankruptcy to file.

Choosing which kind of NJ bankruptcy to file can be a harrowing decision. That’s why many indebted individuals choose to discuss their hopes and fears about their finances with a trustworthy bankruptcy New Jersey lawyer. Bankruptcy options abound and include:

• Chapter 7
• Chapter 11
• Chapter 13
• Financial/debt counseling
• Other actions

A competent and trustworthy attorney can review your lists of assets and liabilities, your financial history, your potential to earn more money, and your goals for the future, to help you determine what’s the best kind of bankruptcy to file.

In some cases, bankruptcy will be voluntary; in other cases, a debtor can be involuntarily forced to file for bankruptcy. A good attorney can explain the nuances of voluntary vs. involuntary filing and develop customized solutions and strategies.

Often, debtors who struggle with the specter of foreclosure, want more than anything to protect their homes (or other large assets). They may have been told that filing for Chapter 13 instead of for Chapter 7 will ‘help save their house.’ However, the situation may not always be so clear. A good lawyer can help you make the best decision.

In some cases, debtors may want to work with a credit/debt counselor for an interim period to see whether some debts can be controlled before bankruptcy needs to be filed. In other cases, bankruptcy may be the most immediate and obvious solution.

To summarize: picking the ‘right’ kind of bankruptcy to file requires a deep analysis of your current financial situation, your goals, values, and how all of these factors interpolate with NJ bankruptcy law.

Given how crucial it is to choose the best method of financial reorganization, it makes sense to retain an experienced, responsive, and accessible attorney, like Robert Manchel. Since 1992, the Law Offices of Robert Manchel have helped hundreds of indebted consumers resolve their financial problems, keep major assets like houses and cars, shut down creditor harassment, negotiate effectively with trustees, and learn better practices for financial management to avoid problems down the line. To get help now to resolve your foreclosure or bankruptcy situation, connect with our associates at (866) 503-5655.

Please refer back to our blog for more important information and updates relating to New Jersey foreclosure and bankruptcy resolution.

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As the sixth post in our 10 Reasons to Hire a New Jersey Bankruptcy Attorney blog series, we will present how an experienced, knowledgeable, and compassionate New Jersey bankruptcy attorney can provide strategic guidance, not just to help you and your family get out of debt, but also to help you channel energies in a more constructive way. Search for an attorney with these attributes:

1. Credentialed – Hucksters and scam artists regularly take advantage of desperate debtors. No one wants to get involved with a scam artist. But it can often be difficult to tell these people apart from genuinely experienced agents. Remember: just because someone has good credentials doesn’t mean that he or she can deliver. However, if a debt relief agent lacks good credentials, that should be a red flag.
2. Specialized – Many NJ bankruptcy lawyers are “jacks of all trade, masters of none.” In other words, they tackle all kinds of cases, including consumer bankruptcy, white collar crime, fraud, criminal defense, and so forth. This lack of specialization can hurt you. After all, if you’re not constantly paying attention to the evolution of bankruptcy NJ law, you could miss important subtleties that could help your clients.
3. Accessible – A proactive New Jersey Bankruptcy lawyer should take your calls and emails and provide attentive service. Unfortunately, many attorneys and other debt relief professionals fail to listen effectively to the needs of debtors and thus create needless stresses and anxiety.
4. Knowledgeable – New Jersey bankruptcy law is always changing. The federal bankruptcy code and federal rules of bankruptcy procedure likewise evolve at a rapid clip. Ideally, you want an attorney who keeps pace with changes in the field.
5. Experienced – A limited number of judges, trustees, and agents of the court, handle the majority of New Jersey bankruptcy cases. Ideally, you want to retain a lawyer who has good relationships with these people and who knows how to negotiate with them effectively on behalf of clients.
6. Proven – A lawyer may be a financial wizard and a keen student of the law, but if he or she hasn’t demonstrated practical results over many years, this should give you pause. After all, you don’t want to be a test case. You want to work with someone who has demonstrated success time and again in cases like yours.

To explore the philosophy, process, and credentials of the attorney Robert Manchel, please browse his site or dial his hotline now at 866-503-5655.

Please refer to our next post to find out how failing to hire a NJ bankruptcy lawyer can lead to problems.

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To begin our Ten Part Blog Series discussing the 10 Reasons to Hire a New Jersey Bankruptcy Attorney, we will address how you can go about protecting yourself from uncertainty and unknowns.

Should you hire a New Jersey bankruptcy attorney to help you and your family get out of debt, avoid foreclosure, and deal with other loose ends? Perhaps. After all, unless you are an experienced NJ bankruptcy attorney yourself, you likely face a variety of unfamiliar issues:

1. NJ bankruptcy law changes – Unless you invest time and energy to keep up with the latest and most critical changes to New Jersey bankruptcy law, you could accidentally flounder your attempts to file correctly. Not all nuances in bankruptcy law will be applicable to your situation. But if you fail to notice certain subtle points of law, your filing could run into serious trouble.
2. Unknowns lead to anxiety and fear – Social psychologists have demonstrated time and again that uncertainty creates fear, anxiety and even depression in individuals. The less you know about your rights, options, and obligations, the more anxiety you are likely to feel. If you hire an experienced New Jersey bankruptcy attorney (like Robert Manchel of the Law Offices of Robert Manchel), you will likely substantially reduce feelings of regret, remorse, and anxiety about the future, and so forth.
3. If you don’t know what you are doing, you could end up in the wrong hands – Bad advice about New Jersey bankruptcy abounds. If you are in desperate financial straits, you could easily make bad decisions that could land you even in hotter water and potentially compromise your options. Scam artists abound, as do bad, incompetent, and even unethical attorneys. Retaining a trustworthy New Jersey bankruptcy attorney can protect you against getting involved with these hucksters.
4. New Jersey bankruptcy law is impossible to learn ‘on the fly’ – Even if you are an experienced lawyer in some other domain, it can take years, if not decades, to develop finesse with respect to New Jersey’s bankruptcy laws. It can be tricky to figure out what kinds of debts are dischargeable and what aren’t. Also, your creditors must follow certain rules of protocol mandated by both federal and state laws. If you don’t know precisely what those rules are, you can have a difficult time stopping creditor harassment.

To eliminate uncertainty and to wrangle the unknowns that are keeping you up at night, contact the experienced New Jersey bankruptcy attorneys of the Law Offices of Robert Manchel. As a Camden County native and a practicing bankruptcy and foreclosure attorney for nearly two decades, Mr. Manchel provides all clients with experience, expertise, accessibility, and reasonable fees. Please dial 1-866-503-5655 for more information.

Please refer to our next post to learn how you can establish a buffer between you and other parties when handling bankruptcy matters.

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