Bankruptcy Attorney in South Jersey
There Is Life after Bankruptcy
If you are struggling to meet your financial obligations, a personal bankruptcy filing can put an end to the constant calls and letters from creditors, and help you get a fresh financial start. You may be reluctant to talk to a bankruptcy lawyer, though, for fear that your life will be ruined — that your reputation will be destroyed, that you will lose your property or that you will never be able to get credit again. Contrary to what you may have heard, though, there is life after bankruptcy. The attorneys at Neuner & Ventura, LLP, have the knowledge, skill and experience to help.
At Neuner & Ventura, LLP, we have provided comprehensive bankruptcy counsel to individuals and businesses in South Jersey since 1983. Attorney Steven R. Neuner has served as a U.S. bankruptcy trustee since 1993. Attorney Neuner is certified as a business bankruptcy lawyer by the American Board of Certification and has been named a New Jersey Super Lawyer, as well as a “superb” lawyer by Avvo.
At Neuner & Ventura, LLP, we will help you take all the right steps to regain control of your life. We understand that your situation is unique and will listen carefully to the details of your case so that we can identify the best solutions to meet your specific needs. We will keep you fully apprised of all developments throughout the process so that there are no surprises and you can make informed decisions that are in your best interests.
Take Back Your Life after Bankruptcy
While a bankruptcy filing will be reflected on your credit report, the mere act of filing for bankruptcy is often perceived as a positive sign by many creditors. It shows them that, instead of avoiding the problem, you are taking specific steps to remedy the situation. While many potential creditors will simply look at your credit score, most will be more concerned about what you have done lately. They will be more inclined to extend credit to you if you can show that, pursuant to your bankruptcy, you have kept your credit record clean.
Even though you have filed for bankruptcy, you will probably have no difficulty getting a credit card. In fact, doing so can be a healthy step toward rebuilding your credit rating. However, you should only use the credit card for items that can be paid off quickly, and you should make monthly payments in a timely manner. You may have to put a deposit down so that the credit card actually functions like a debit card, but it can help you move toward reestablishing your credit.
It will likely take a little bit of time before you are able to obtain an automobile loan or a mortgage, but you should be able to get this type of financing eventually if you maintain a simple, no-frills lifestyle and pay all your bills in a timely manner. In some instances, you may even be able to finance a car or home within 24 to 36 months.
Contact Neuner & Ventura, LLP
For a free initial consultation to discuss debt relief strategies or your options in bankruptcy, call Neuner & Ventura at (856) 596-2828 or send us an e-mail to schedule an appointment. We reserve the right to charge a fee to review any work done by another attorney. Evening and weekend appointments can be scheduled upon request.