Eliminate Judgments
The collection process eventually leads to the filing of a lawsuit. The creditor will initiate a lawsuit with the superior court in the county in which you reside. In the state of New Jersey, individuals have 35 days to file an answer to a complaint filed against them. If you fail to answer the complaint or if you lose in the process of litigation, a judgment will be entered against you. The creditor will attempt to collect on the judgment by garnishing your wages, placing a levy on your bank account, etc.
If you have a judgment or a lawsuit that will eventually lead to a judgment, contact us immediately, we can help! Filing a chapter 7 bankruptcy will wipe out any judgments and pending lawsuits. The creditor will not be able to garnish your wages or place a levy on your bank account. You will no longer be responsible for the debt.
Law Offices of Jay Bhatt
618 Newark Avenue, Suite 210
Jersey City, NJ 07306
Phone: (201) 798-8000
Fax: (201) 798-8001
Chapter 7 Bankruptcy Info
Consultation Checklist
Click Below for a complete checklist of items that are necessary to proceed with a chapter 7 bankruptcy. We suggest you bring these to our office during the first consultation or supply them by fax or email if the consultation is done over the phone or via the internet.
Client Testimonials
Thank you for helping my wife and I. You have been an angel in our lives during these tough times. You have given us a fresh start. God bless you.
- Edward S.-
I'm grateful for having you take care of my case. The credit card bills, medical bills and lawsuits were a constant stress in my life. I am so glad that I took the next step. I can finally breathe again.
- Rafael R.-
When I became unemployed, I thought I had no way out. My credit card debts would continue to increase and I was overwhelmed with phone calls from collectors. Fortunately, I found Jay Bhatt who advised me to file for chapter 7. It was the best decision I ever made. He is very knowledgeable, experienced and most importantly he works fast. For a reasonable fee, I got out of my debts in no time. I have gone back to work full time and my previous debts have been discharged. Thanks Jay for your help.
- Ana A.-