John H. Anlian | Attorney At Law

If you have a pressing legal need, call 201-942-5002 to arrange a consultation with John H. Anlian, an attorney with over 40 years of experience.

John H. Anlian | Attorney At Law
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A Law Firm Built On The Virtues Of Honesty, Dedication And Accessibility

A Knowledgeable And Dedicated Bankruptcy Attorney In New Jersey

The average individual works hard to get their bills paid. However, circumstances can change over time and make it difficult for people to fulfill their obligations.

The stakes are high when your debt starts to accumulate. You may run the risk of losing your car (repossession) or even worse, you may risk losing your home (foreclosure) if you don’t take action. Bankruptcy was created as a way to get a fresh start when your debt becomes overwhelming. Attorney John Anlian has helped his clients manage their debt using bankruptcy for more than 40 years. To learn more about how bankruptcy can work for you, contact John H. Anlian, Attorney at Law.

When you file for bankruptcy, it will also immediately put a stop to harassing calls and wage garnishment. You might be able to keep your possessions depending on the type of debt you have, your assets and your income. Despite the significant benefits filing for bankruptcy can bring, the process is complex. This is where we are ready to assist you.

How Can Chapter 7 Help You With Your Debt?

Chapter 7, also known as liquidation bankruptcy, applies to unsecured debts such as:

  • Medical bills
  • Credit cards
  • Personal loans

This type of bankruptcy allows you to discharge your debt, but you may be required to sell some of the property you own to cover your debt. We will discuss whether this applies in your case based on federal Bankruptcy law and the New Jersey exemptions.

You will also be required to attend mandatory budget counseling to advance in the process. Chapter 7 usually takes about six months to complete.

To meet Chapter 7 eligibility, you will need to pass the Chapter 7 Means Test. Attorney Anlian will explain how this works when you speak with him.

Will You Lose Your Home Or Car If You File Chapter 7 Bankruptcy?

Not necessarily. You may be able to keep your home or car if you file Chapter 7. If you can keep making payments, you should be able to keep them. There are also New Jersey exemptions for homes and vehicles that typically allow people to keep these assets. Speak with us for an assessment of your specific circumstances.

Start Working On Your Finances Today With Our Help

Each type of bankruptcy requires that specific conditions be met. Attorney Anlian can review your financial situation and give you his honest evaluation and advice on the best path forward. Do not risk your opportunity to get your debt situation under control.

Learn about your options in a free and confidential consultation. Call our law office in Fairview at 201-942-5002 or fill out this secure online form to schedule an appointment.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.