Exceptional Representation in Chapter 7 & 13 Bankruptcy in New Jersey


Financial crises don’t have to plague you forever. Bankruptcy can provide the relief you need when it’s time to get out from under serious debt.

At DAME Legal, our experienced Hackensack bankruptcy lawyers are skilled at helping people resolve their debt and get much-needed financial fresh starts. Whether you’re struggling with crippling credit card debt, threats of foreclosure, or a mountain of medical bills, our attorneys can review your finances and help you take the right steps towards obtaining bankruptcy relief if it’s right for you.

Call 201-968-5800 or email now for a consultation and important answers about your rights and options.

The sooner you contact us, the sooner you can get on your way towards debt relief.

Legal assistance with all types of bankruptcy cases

Bergen County Chapter 7 Bankruptcy Lawyers

Chapter 7 bankruptcy can wipe the financial slate clean for those dealing with significant unsecured debt. Some of the various types of debts that can be eliminated—or discharged—through Chapter 7 bankruptcy include:

  • Back rent
  • Credit card debt
  • Debt in collections
  • Medical bill debt
  • Payday loan debt

For those who qualify for Chapter 7 bankruptcy, New Jersey law provides:

  • An automatic stay: This is a temporary legal order that takes effect as soon as someone files for Chapter 7 bankruptcy. It effectively stops debt collectors and creditors from contacting you and from taking other action against you, like filing a lawsuit, garnishing your wages, or repossessing your property.
  • Several exemptions: These exemptions essentially protect certain property from becoming part of the bankruptcy estate (the bankruptcy estate includes non-exempt assets that can be liquidated to repay creditors). Exemptions exist for homes, vehicles, tools, personal items, and more.

The Hackensack Chapter 7 bankruptcy attorneys at DAME Legal can help you take full advantage of the available protections and exemptions. We can also guide you at every step, overseeing and facilitating your case to help you obtain the best possible outcome.

Skilled lawyers will work to preserve your rights in domestic violence cases

Chapter 13 Bankruptcy Lawyers in Bergen County, NJ

Chapter 13 bankruptcy, another legal debt relief option, can be best suited for those earning a steady income and/or those who don’t qualify for Chapter 7. With Chapter 13 bankruptcy:

  • Debt repayment plans are devised: This is typically a 3- to 5-year plan, detailing how debtors will repay some of their unsecured debt. The balance of that debt will be discharged at the end of the repayment plan. In order for the court to approve a repayment plan, debtors will have to provide proof of income.
  • Foreclosures can be stopped: Lenders will have to let homeowners catch up on missed payments if the repayment plan is approved by the court. That can provide the means for keeping homes, as long as debtors can keep up with the payments moving forward.
  • It’s possible to retain nonexempt property: While nonexempt property will be included in the bankruptcy estate in a Chapter 7 case, this requirement does not apply to Chapter 13 cases. Instead, debtors can keep their property, as long as they can repay the value of that property in compliance with the repayment plan.

At DAME Legal, we help people navigate the intricacies of Chapter 13 bankruptcy while guiding them towards successful resolutions. From negotiating with lenders to representing you in court, our Hackensack bankruptcy lawyers can help you protect your rights and interests while pursuing the debt relief you need and deserve.

Get a Financial Fresh Start: Contact a Hackensack Bankruptcy Attorney at DAME Legal

When you hire a Hackensack bankruptcy lawyer at DAME Legal, you will have experienced, client-focused advocacy at every step moving forward. Known for our strategic counsel and record of success, we have the knowledge and resources necessary to:

  • Give you honest, helpful advice at each phase of your case
  • Anticipate and avoid some of the challenges that may lie ahead
  • Set your case up for for the best possible outcome

Call 201-968-5800 or email us now for a consultation and essential legal advice.

With DAME Legal in your corner, you can be confident that you have a skilled lawyer on your side, committed to providing the same quality of representation and service that we would expect if we were in your shoes.

We can help you in any legal aspect





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  • 345 Union Street Hackensack, New Jersey 07601

  • 201-968-5801
Union City