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People find themselves unable to pay their debts for a number of reasons, such as job loss, divorce, illness, or simply accruing too much debt. They are then subject to relentless and aggressive actions by creditors, including harassing phone calls and letters, lawsuits, repossessions, foreclosures, and wage garnishments.

Finding oneself in this situation can be overwhelming.

Fortunately, bankruptcy can provide instant relief, protection of your assets and a fresh start.

The moment a bankruptcy petition is filed, a debtor is protected by the automatic stay, which prohibits creditors from making any collection efforts – stopping the harassing phone calls and halting lawsuits, repossessions, evictions, wage garnishments, bank account and personal property levies, sheriff’s sales, and other seizures of the debtor’s property.

The attorneys at Wisniewski & Associates, LLC® are experienced in bankruptcy. We take the time to thoroughly review all aspects of your situation to determine the best possible solution. We are here to advise and represent individuals in obtaining relief from their debts through bankruptcy:

    • Chapter 7 Bankruptcy, which can potentially eliminate most or all consumer debt such as credit card debt, medical bills and unsecured loans
    • Chapter 12 Bankruptcy, which allows farmers and fishermen to reorganize and repay all or a portion of their debts over a period of three to five years
    • Chapter 13 Bankruptcy, which allows individuals to reorganize and repay all or a portion of their debts over a period of three to five years

There are many misconceptions and myths about bankruptcy. For example, homeowners may believe that they will not be able to keep their homes if they file for bankruptcy. But there are bankruptcy options that allow homeowners to keep their homes, and bankruptcy may even allow a homeowner who has fallen behind on mortgage payments to avoid foreclosure.

Contact experienced New Jersey bankruptcy attorneys for accurate advice regarding your particular circumstances.

Call Wisniewski & Associates, LLC® at our offices in Sayreville at 732-387-5751 or contact us online to schedule a consultation with a bankruptcy attorney.

We are a federally designated debt relief agency, proudly helping people file for relief under the Bankruptcy Code.

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Our Office
  • Sayreville Office
    17 Main Street
    Sayreville, New Jersey 08872
    Phone: 732-651-0040
    Fax: 732-651-0060
  • New York Office
    Executive Suites at the Gardens
    1110 South Avenue, Suite 100
    Staten Island, NY 10314
    Phone: 347-273-1282
    Fax: 732-651-0060