When Should You Consider Filing Bankruptcy?

When debt has become unmanageable, it may be time to consider filing bankruptcy. Deciding to take the first step of contacting an attorney is a positive move for an overwhelmed debtor. Do not worry about figuring out when you should file. An experienced lawyer can advise you on the most appropriate timing according to your unique situation.

From Law Offices In Neptune And Toms River, Bankruptcy Lawyers Can Help Determine The Best Time For You To File

Timing is indeed important as you plan whether — and when — to file bankruptcy. At William H. Oliver, Jr. & Associates, we can recommend a workable timetable for your New Jersey bankruptcy. In a free initial consultation, we may ask questions such as the following to help determine how your case is most likely to succeed:

  • Do you have any pending surgery to be concerned about? It may be best to get that surgery before you start your bankruptcy process.
  • Is your debt making you depressed? If your facts line up, it may be best for you to file as soon as possible to stop creditors from harassing you.
  • Do you qualify for a Chapter 7 bankruptcy? A discussion with an attorney and a government-mandated means test can determine the answer to this question. One of the best things about a Chapter 7 bankruptcy is that it is over with rather quickly. You can begin rebuilding your credit sooner once your burdensome debts are discharged.
  • Would it be better in your case to file a combination of bankruptcies (for example, a Chapter 7 followed by a Chapter 13)? Sequencing and timing of the two will help determine the probable outcome of your bankruptcy or bankruptcies.

No generalized discussion on a website can address the unique aspects of your particular circumstances. Take advantage of the offer of a free consultation at William H. Oliver, Jr. & Associates in Monmouth County if a New Jersey bankruptcy is a debt relief option you are considering. At William H. Oliver, Jr. & Associates, we operate on the assumption that "There's always a way out." We are ready to look at your situation carefully, see what the issues are and advise you on the best timing and the best types of corrective measures that will lead to debt relief.

Understand The Importance Of Timing In Your New Jersey Bankruptcy Case — Request A Free Attorney Consultation

When should you consider filing bankruptcy? The sooner you talk to a lawyer, the more confident you will be that you have the information necessary to make the right moves at the right times. We are prepared to help you find the right debt relief solution and determine the best timing for your bankruptcy filing. We offer evening and Saturday appointments as needed. Call 732-988-1500 toll free or submit a contact form to request a consultation. Hablamos español.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.