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Bankruptcy and Divorce Lawyer
We offer legal representation in bankruptcy, family law and divorce law.
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When it comes to hiring an attorney to handle your legal services it’s important that you get expert legal services with a personal touch. At Straffi & Straffi we provide all of our clients with compassion, diligence, honesty, and friendliness. We’re a down to earth law firm ready to provide you with the divorce attorney, debt relief lawyer, bankruptcy law attorney, or child visitation lawyer you need in Brick NJ, and Toms River NJ.
We are committed to every client and bring high levels of personal service forth for each and every case we take. Our law office is run by Daniel Straffi, Senior and Daniel Straffi, Junior, a father and son law team with a combined experience that spans forty years. For the past either years we have been a bankruptcy law firm for Central and Southern New Jersey.
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Looking for an experienced family law attorney to help you through your divorce? Look no further! The attorneys at Straffi and Straffi Attorneys at Law will help you through the legal divorce procedure. We will ensure that our child custody lawyers are focused on assisting your family in a timely manner.
At Straffi & Straffi we provide all of our clients with compassion, diligence, honesty, and friendliness. When it comes to all Bankruptcy matters, turn to Straffi & Straffi to get all the help you need to protect your rights and interests. We make it our goal to handle each and every case concerning bankruptcy with the utmost care and respect. We are conveniently based in Toms River, NJ.
Worried about losing your home to foreclosure? Turn to the professional attorneys at Straffi & Straffi Attorneys at Law for loan modifications and refinancing. Get in touch with us today at for a FREE consultation on loan modifications.
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Individuals strive to prevent financial hardship throughout their lives. Unfortunately, despite their best intentions and meticulous planning, it is still possible for hard times to come without warning. Bankruptcy can change a person’s life forever, especially when it happens in addition to divorce or other family law issues.
Divorce and bankruptcy are some of the most difficult and stressful events in a person’s life. Going through both at the same time can be extremely challenging. However, these cases are not rare. Many families face bankruptcy and family law issues at the same time.
In New Jersey, bankruptcy courts will handle your case differently depending upon whether you are married, single, or divorced. An experienced attorney who is well-versed in bankruptcy laws and family laws can help you protect your rights and guide you in safeguarding your assets and family.
Our firm is a friendly, supportive place where you may be able to get help for your bankruptcy and family law needs. At Straffi & Straffi, our team of legal professionals is ready to help you reach your goals and assist you with your future plans. Father and son lawyers, Daniel Straffi Sr. and Daniel Straffi Jr. have years of experience in navigating family law and bankruptcy laws in New Jersey.
Call us today at (732) 341-3800 to schedule a consultation for your legal needs.
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Chapter 11 Bankruptcy
Chapter 13 Bankruptcy
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Contact us to schedule a free legal consultation so we can discuss your case together. Our friendly and knowledgeable legal team is ready to answer all of your questions.
We offer in-person, telephone, and video conferencing meeting options. We have a multitude of payment plans and options that we formulate to help you afford to file for bankruptcy!
Call us today at (731) 341-3800 for a free consultation. Your Light at the End of the Tunnel Starts Here!
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Do you need help with filing a bankruptcy? Straffi & Straffi Attorneys at Law’s bankruptcy lawyer Daniel Straffi Jr. and his team of experienced bankruptcy attorneys may be able to help you file for debt relief under the bankruptcy code. It is important to have a skilled lawyer assist you in dealing with bankruptcy laws because one mistake can affect the outcome. We are here to assist you every step of the way.
Bankruptcy is an opportunity for people who are experiencing financial difficulties to obtain a fresh start. Bankruptcy is afforded to the honest and unfortunate as a means, via federal law, to start over or otherwise reorganize their debts.
Looking for a way to protect yourself from creditor harassment? Let the experienced Ocean County bankruptcy attorneys at Straffi & Straffi Attorneys at Law help you file for bankruptcy.
Contact us today at (732) 341-3800 to schedule a consultation.
The two most common types of bankruptcy in New Jersey are Chapter 7 and Chapter 13. Chapter 7, which is commonly known as liquidation bankruptcy, refers to the opportunity to discharge (or get rid of) creditors by raising funds through the sale of any valuable assets. Chapter 13, which is known as reorganization bankruptcy, makes use of a three to five-year plan to repay creditors, most commonly invoked to try and save a home or vehicle from foreclosure or repossession.
You can count on Straffi and Straffi Attorneys At Law to represent and guide you in petitioning the court to wipe out your debt and start afresh. In addition, we can help you formulate payment plans in order to afford to file for bankruptcy. Call us today for a free consultation To learn more, contact our office to speak with one of our qualified Toms River, NJ bankruptcy lawyers today.
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Filing for bankruptcy can provide the following benefits:
As experienced bankruptcy attorneys we offer the following bankruptcy services:
Do you need more details on filing for bankruptcy or finding bankruptcy lawyers in Toms River, NJ? Here is some additional information you may find helpful.
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Bankruptcy can be a helpful tool for someone who is struggling with debt but wants to start over. In order to file for bankruptcy, you must first understand the processes involved. In New Jersey, there are two main types of bankruptcies for consumers. Chapter 7 bankruptcy and Chapter 13 bankruptcy.
Chapter 7 bankruptcy is also known as liquidation bankruptcy. This type of bankruptcy can eliminate most types of unsecured debts such as medical bills and credit card bills. In Chapter 7 Bankruptcy, the case does not involve the filing of a plan of repayment as in Chapter 13. A trustee is assigned by the bankruptcy court to account for the petitioner’s assets. The bankruptcy trustee gathers and sells the petitioner’s non-exempt assets in order to raise funds to pay their creditors. Some of the debtor’s assets may be subject to liens and mortgages and may be repossessed as a result of a Chapter 7 Bankruptcy. The bankruptcy court may allow the debtor to keep “exempt” properties or properties that are too difficult to sell. After an evaluation, the bankruptcy trustee will liquidate all of the debtor’s remaining non-exempt assets. Any potential debtors must also keep in mind that the filing of a petition under Chapter 7 can result in the loss of property.
Chapter 11 bankruptcy is often known as commercial bankruptcy for businesses, sole proprietors, and partnerships. This type of bankruptcy often seeks to restructure the debts while allowing the business or owner to liquidate their assets and reorganize their payment plans with creditors. Aside from businesses, individuals who have over $1 million in secured debt and $330,00 in unsecured debt can also file for Chapter 11 bankruptcy.
Chapter 13 bankruptcy is a reorganization bankruptcy that allows the debtor to enter an interest-free repayment plan for their existing debt. This plan usually gives the debtor 3-5 years to pay their creditors back. The creditors must follow the plan during this period. Unlike in a Chapter 7 bankruptcy where the court-appointed trustee is required to sell off a debtor’s assets, the trustee’s role in Chapter 13 is to act as an intermediary between the creditors and the debtor. Creditors are not allowed to contact a debtor to collect from them directly.
One very important aspect of Chapter 13 bankruptcy is that you must have a regular income in order to qualify, hence the name “wage earner’s bankruptcy”. You will be required to pay the repayment fees and declare your monthly living expenses to the court, as well as submit a comprehensive list of your debts. A Chapter 13 bankruptcy can be a very powerful tool because it can help you avoid foreclosures, sheriff sales, repossessions, and other fees on your existing debts while being able to catch up on paying your secured debt.
If you are considering filing for bankruptcy in New Jersey, it is important to seek the help of an experienced bankruptcy attorney right away. At Straffi & Straffi Attorneys at Law, we will work hard to help you file your bankruptcy and protect your financial interests.
Contact us at (732) 341-3800 to schedule an appointment.
Bankruptcy does not afford relief to those trying to take advantage of the system. Fraudulent behaviors and actions are vigorously prosecuted both criminally and civilly. Again, bankruptcy relief is only afforded to those who are honest and unfortunate, not those looking to pull a fast one on the system.
It depends. Generally speaking, a person may receive a discharge in bankruptcy every 8 years. However, in some cases, a person may be looking to reorganize their debts as opposed to getting rid of them. Therefore, there is no blanket rule that applies to all bankruptcy filings. Every case is very fact specific as far as goals and eligibility.
The two most common types of bankruptcy that people consider are Chapter 7 and Chapter 13. Chapter 7, which is known as liquidation, is an opportunity to discharge (or get rid of) creditors without having to pay any money back. Chapter 13, which is known as reorganization, is a 3- to 5-year plan of repaying creditors, most commonly invoked to try and save a home or vehicle from foreclosure or repossession.
In New Jersey, businesses and individuals who are struggling with debt and would like financial relief can file for bankruptcy. Most of the time, the relief that comes from declaring bankruptcy can outweigh the cost of filing it. However, despite the relief a bankruptcy may provide, it is also important to consider the cost of filing your bankruptcy.
The cost of filing for bankruptcy depends on many factors. The bankruptcy court requires individuals filing to disclose their financial information to the court. This information should include the amount that they paid their bankruptcy attorney if they choose to hire one.
There are standard filing fees depending on the type of bankruptcy. Before the filing of the petition, these fees must be paid in full. For Chapter 7, the filing fee is $313.00, $383 for Chapter 13, and around $1,738 for a chapter 11 case. Bankruptcy attorneys usually pay these fees at the time of filing. The fees can also be paid in installments with permission from the court. However, it is recommended to pay the fees in full at the time of filing the bankruptcy.
Debtors are also expected to take online courses before they are allowed to file the bankruptcy. These courses are known as pre-filing credit counseling. Currently, a standard course may cost around $15.00 and take about 1 hour to complete. Another course that a debtor will be required to take is known as debtor education. This course can take about 2 hours and also costs $15.00.
Another cost one must consider in filing a petition for bankruptcy is the fee for professionals who will assist in liquidation or reorganization. Professionals such as accountants, appraisers, auctioneers, and a special counsel are the most common types of professionals that debtors hire. Before a professional is hired for a Chapter 11 or Chapter 13 bankruptcy, the court will have to pre-authorize the debtors to hire these professionals. The bankruptcy court will also have to approve the professional’s fees before a debtor pays them. This process is called the fee application.
It is important for an individual looking to file for bankruptcy to have a legal representative who will guide them through the process. Many lawyers offer free consultation and in most cases, these lawyers may be able to provide the client with other options that may work for their situation. Straffi & Straffi Attorneys at Law’s Daniel Straffi Jr. and our team of skilled bankruptcy attorneys are ready to help. Contact us today to schedule a consultation.
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As for the legal fees, attorneys usually base their fees on the complexity of the case and their competitor’s in the area. If the person declaring bankruptcy has a lot of assets or debts, they may have to pay more in legal fees compared to an unemployed person without assets.
For a Chapter 7 bankruptcy, an attorney’s fees may range from $1,000 to $3,500 or more. Larger firms usually charge more than a solo practitioner would. However, this may not always be the case. Sometimes, larger operations can offer lower fees and rely on the volume of their cases instead.
Courts usually have a guideline for fees when it comes to a Chapter 13 bankruptcy. These guideline fees vary from one judicial district to another. Depending on the complexity of the case, the fees are typically between $2,500 and $6,000. If the person declaring bankruptcy owns a business, the case will probably require more work and will be more expensive.
When choosing the right attorney for your case, it is important to contact a few lawyers in the area first. This will give you an idea about each lawyer’s fees and see what area of bankruptcy they focus on.
New Jersey bankruptcy attorney Daniel Straffi Jr. and our experienced team of New Jersey lawyers are well-versed in dealing with bankruptcy laws. Our team focuses on helping individuals gain financial freedom and have a fresh start in their lives.
To schedule a consultation, contact us at (732) 341-3800.
Priority debts usually include certain types of taxes, child support, alimony, administrative fees, and certain types of debt due to a governmental entity. Priority debt is not eliminated or discharged in Chapter 13 or Chapter 7 cases.
In Chapter 13, priority debts are required to be paid in full through the bankruptcy plan. This means that any priority debt that is due at the time of the filing must be paid through monthly trustee payments. A Chapter 13 debtor is also required to pay monthly spousal/child support on top of the payments they have to make during the entire bankruptcy plan.
In Chapter 7, a debtor may not eliminate or discharge priority debts. This means the debtor will continue to be held liable for the debt after they receive the court discharge order. While bankruptcy laws do not require the debtor to make an immediate payment, creditors of the priority debt may be able to pursue the debtor for the entire amount after the case is completed.
At Straffi & Straffi Attorneys at Law, Daniel Straffi Jr, is a skilled New Jersey bankruptcy attorney who may be able to help you explore the options you have to be financially free.
To schedule a consultation, call us at (732) 341-3800.
Secured debt refers to a debt that grants an interest in real estate or personal property when obtaining a loan or purchasing a property. To put it simply, the debtor usually provides the creditor with collateral. This is usually the case in mortgage financing and automobile loan financing. When taking out a loan for a house, it usually comes with a note and a mortgage. The note reflects the amount that was borrowed and the required payments. The mortgage reflects the security interest in the home.
Conversely, unsecured debt is the type of debt that may be eliminated. Eliminated means that the total amount of debt may be discharged if the debtor meets the criteria for bankruptcy. Examples of unsecured debt include credit cards, healthcare debt, personal loans, real estate, etc. Unsecured debt is the type of debt that is not tied to a tangible asset such as land or a car.
New Jersey bankruptcy lawyer Daniel Straffi, Jr. can help you with your bankruptcy needs. We will work hard to provide the legal advice you need in order to get relief from your debts. Call us today to schedule a consultation.
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If you are unable to pay your debts they can quickly become overwhelming. These debts can cause a lot of stress not only for you but also for your family. Debts can have a significant impact on your life, especially with collection calls at home and even at work. Filing for bankruptcy can help ensure that you can have a chance at a fresh start.
Filing for a petition for bankruptcy can be confusing and complicated for those who are not well-versed in the Bankruptcy Code. Seeking the legal advice of an experienced lawyer is very important because there is a lot at stake.
Straffi & Straffi Attorney at Law, Bankruptcy lawyer Daniel Straffi Jr. and our team of lawyers understand the importance of protecting your financial interests. If you are struggling with debt, we may be able to provide you with the legal advice and representation you need. We have helped many families and businesses in New Jersey’s Ocean County, Monmouth County, and beyond start anew. We may be able to help with your case, too.
Contact us today at (732) 341-3800 to schedule a consultation.
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