Law Offices of Jay Bhatt
Practice Areas
Chapter 7 Bankruptcy Basics
Chapter 7 v. Chapter 13
Qualifying for Chapter 7 Bankruptcy
Office Consultation Checklist
Bankruptcy Timeline
Stop Harassing Phone Calls
Stop Wage Garnishments
Eliminate Lawsuits
Eliminate Judgments
Repossession
Bankruptcy and Your Spouse
Bankruptcy Myths
Property you can keep
Chapter 7 Court Hearing
Rebuilding Credit
Bankruptcy Terms
Bankruptcy Quotes
Practice Areas
Atlantic County Bankruptcy
Bergen County Bankruptcy
Burlington County Bankruptcy
Camden County Bankruptcy
Cape May County Bankruptcy
Cumberland County Bankruptcy
Essex County Bankruptcy
Gloucester County Bankruptcy
Hudson County Bankruptcy
Hunterdon County Bankruptcy
Mercer County Bankruptcy
Middlesex County Bankruptcy
Monmouth County Bankruptcy
Morris County Bankruptcy
Ocean County Bankruptcy
Passaic County Bankruptcy
Salem County Bankruptcy
Somerset County Bankruptcy
Sussex County Bankruptcy
Union County Bankruptcy
Warren County Bankruptcy
372 Summit Avenue Jersey City, NJ 07306

Law Offices of Jay Bhatt Firm Profile Why Choose Us Free Evaluation Testimonials Contact Us
888-489-1533

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 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.

You are an excellent Bankruptcy Attorney and we will continue to recommend your services to friends and family in need. Thank you for helping us.

-Rachel and Bobby N.

I called a lot of attorneys and Jay and his office staff made me feel comfortable. They are the real deal.

-Tariq S.

Poor choices and a divorce is what threw me off track. I was referred to Jay by a neighbor and i'm so glad that I decided to call him.

-Deborah P.

I wish I hadn’t waited this long to reach out for help. I thank you for your patience and kindness through this process. You are the best!

-Elizabeth A.

Andrea and I are grateful for your help. Thank you so much for everything you have done. We feel the weight lifted off our shoulders.

-Steven and Andrea L.

I felt comfortable from the initial consultation in your office. You and your staff have been wonderful throughout the process.

-Carlos D.

Bankruptcy Quotes

Below is a collection of famous bankruptcy quotes:

Today, certain people file for bankruptcy, businesses and individuals, and it no longer has the stigma it once had. Now it's almost considered wise, a way to regroup and come back again.
-David Dinkins

Bankruptcy is a sacred state, a condition beyond conditions, as theologians might say, and attempts to investigate it are necessarily obscene, like spiritualism. One knows only that he has passed into it and lives beyond us, in a condition not ours.
-John Updike

Bankruptcy is a legal proceeding in which you put your money in your pants pocket and give your coat to your creditors.
-Joey Adams

Bankruptcy never felt so good.
-Tim Cavanaugh

It is said that the world is in a state of bankruptcy, that the world owes the world more than the world can pay.
-Ralph Waldo Emerson

Bankruptcy is a serious decision that people have to make.
-Herb Kohl

As I think through the issue of funding the rebuilding of Iraq, I think about the analogy of a bankruptcy proceeding. There is no doubt that Iraq as a country is bankrupt.
-Arlen Specter

It is imperative that we make consumers more aware of the long-term effects of their financial decisions, particularly in managing their credit card debt, so that they can avoid financial pitfalls that may lead to bankruptcy.
-Daniel Akaka

After losing everything, I went on a quest to find out how money really works, how I could get control of it, and how I could have confidence in handling it.
-Dave Ramsey

Debt has become a part of who we are.
-Dave Ramsey

I see that Mike Tyson has just filed for chapter 7 bankruptcy. It marks the first time that Mike Tyson has made it to chapter 11 of anything.
-Jay Leno

They have no plan for Amtrak other than bankruptcy.
-David Gunn

The surge in personal bankruptcy started a few years ago and has been building.
Cherry Hill

The people coming out of bankruptcy need an opportunity to get back on their feet. If you take away the opportunity to get credit, it's like taking away the want ads from a job-seeker.
-Ashlea Williams

The entire exhibitions industry in the United States of America has filed for bankruptcy.
-Jeffrey Katzenberg

The bankruptcy surge in 2005 will give us a benefit.
-Angie Cunningham

The new bankruptcy law, is really targeted at the 5 to 10 percent of people who were abusing the system.
-Ashlea Williams

There are more serious problems in life than financial ones, and i've had a lot of those. I've been broke before, and will be again.
-Willie Nelson

Unless you're Bill Gates, you're just one serious illness away from bankruptcy.
-Dr. David Himmelstein

The bank phoned to say I have nothing left in my account, but how can that be when I still have cheques in my cheque book?
-Ken Glover

Let us not bankrupt our todays by paying interest on the regrets of yesterday and by borrowing in advance the troubles of tomorrow.
-Ralph W. Sockman

The budget should be balances. Public debt should be reduced. The arrogance of officialdom should be tempered, and assistance to foreign lands should be curtailed, lest Rome become bankruptcy.
-Marcus Tullius Cicero

I must say, I never expected to see the day where I would be talking about anything other than reducing the debt. I'm running into the tyranny of zero, which is where you can't reduce (the debt) any more.
-Alan Greenspan

If I owe you a pound, I have a problem; but if I owe you a million, the problem is yours.
-John Maynard Keynes

The only man who sticks closer to you in adversity than a friend is a creditor.
-Unknown

Creditors have better memories than debtors. 
-Benjamin Franklin

Promises make debt, and debt makes promises. 
-Dutch Proverb

Like almost everyone who uses e-mail, I receive a ton of spam every day. Much of it offers to help me get out of debt or get rich quick. It would be funny if it weren't so exciting.
-Bill Gates

I came to realize that my money problems, worries, and shortages largely began and ended with the person in my mirror. I realized also that if I could learn to manage the character I shaved with every morning, I would win with money.
-Dave Ramsey

A big part of financial freedom is having your heart and mind free from worry about the what-ifs of life.
-Suze Orman

When you have a pile of bills that you have no idea how you are going to pay, you cannot focus on the bills, because you will continue to attract more bills. You have to find a way that works for you to focus on prosperity, despite the bills around you.
-Rhonda Byrne

If you think nobody cares if you're alive, try missing a couple of car payments.
-Earl Wilson

Credit buying is much like being drunk. The buzz happens immediately and gives you a lift;. The Hangover comes the day after.
-Joyce Brothers

Blessed are the young for they shall inherit the national debt.
-Herbert Hoover

If it isn't the sheriff, it's the finance company: I've got more attachments on me than a vacuum cleaner.
-John Barrymore