William H. Oliver, Jr. & Associates

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Your debt relief solution requires an individualized approach

People can find themselves in financial difficulty for any number of reasons: the loss of a job, the failure of a business, a serious illness or injury that leads to unmanageable medical costs, or divorce. And just as there are multiple ways to encounter money problems, there are also different considerations that must go into the decision about how to cope with them.

If you are a homeowner, for example, you will need to address the possible issue of foreclosure and how New Jersey's foreclosure laws can affect your ability to either renegotiate your mortgage or to possibly keep your home from an involuntary sale.


If you are a business owner, the question may be whether you can negotiate with your creditors to keep your doors open, or if that is not possible then how to manage a possible closure and liquidation.

If you have assets that you want to keep, you will need to identify how the different types of bankruptcy law can affect your ability to prevent them from being disposed of in a trustee sale.

Your situation is unique, and no attorney that you consult with for debt relief assistance should ever treat you like he or she has "seen it all before." Likewise, just as your facts and circumstances are specific to you, so too must be the attorney’s approach to a solution based on those specifics.

At the law firm of William H. Oliver & Associates, our more than 30 years of experience in helping our clients to solve debt problems have given us an in-depth understanding of the several avenues that are available for each individual case, and how to help each individual, to select the right legal tools that are available to help you accomplish what is most important to your specific needs.

To begin your own individualized debt relief analysis, we recommend setting an appointment with one of our attorneys. The initial consultation is free, and can help you to identify your available options, their respective advantages, and how to choose the one that is right for you.

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At the law offices of William H. Oliver, Jr. & Associates in Toms River and Lakewood, New Jersey, we represent clients in Toms River, Neptune, Trenton, Middletown, Red Bank, Wall, Lakewood, Lakehurst, Manchester, Asbury Park, Old Bridge, Jamesburg, Barnegat, Forked River, Manahawkin, Ocean Township, Brick, Manasquan, Howell, Freehold, Hazlet, Bradley Beach, Brown Mills, Long Branch, Keansburg, Marlboro, Bayville, Beachwood, Whiting, Sayreville, South River, East Brunswick, Monmouth County, Ocean County, Middlesex County, Burlington County and Mercer County.