South Jersey Bankruptcy Lawyer

At Reinherz & Reinherz Law Offices, our team has been serving the South Jersey area with their financial issues since 1980, helping our clients start anew in their fiscal lives. During our 30 years of experience, we have helped clients break away from creditor harassment, put an end to wage garnishments, wipe out their debt and save their homes from foreclosure. We treat our clients with respect and help them rebuild their lives from the bottom up with a no judgment process.

Our approach with bankruptcy starts at the client. We understand that each case is unqiue and has its own set of challenges and strengths. At our firm, we don’t have a one size fits all solution. Instead, we listen to our clients and formulate a plan to get their finances on track based on their own situation. As the process continues, we keep our clients up to date when things change in their case or when there is action they can take to lead to a more favorable outcome.

Our Services in Bankruptcy

Chapter 7 Bankruptcy: As the most common type of bankruptcy, this chapter wipes out debt with no repayment plan. However, not every person qualifies for such a bankruptcy claim. Our team will look at your specific circumstances to determine your eligibility before anything is filed.

Chapter 13 Bankruptcy: For those that don’t qualify for a Chapter 7 bankruptcy claim, there are still options. In a Chapter 13 bankruptcy, a repayment plan is created with some serious benefits such as mortgage arrears repayments and the potential to restructure vehicle debt.

Collection Defense: In some cases, bankruptcy is not necessary. Our clients could be defended in court against any litigation with negotiations that leads to settlement in these situations without having to file for bankruptcy.

Mortgage Modification: If you have simply gotten behind due to hard times on your mortgage payment, you don’t have to lose your home or file for bankruptcy. Instead, we can work with your mortgage company to come up with a plan to reduce payments during financial hardship to benefit both our client and the mortgage company.

Short Sales: If you are looking for a short sale in order to sell your home, it pays to have a lawyer on your side. If you owe more on your home than it is worth, we can help prove your hardship to the mortgage company and work with them to see if the debt can be forgiven.