About NJ Bankruptcy Law Firm

You can read About Ralph A. Ferro, Jr, Esq. and NJ Bankruptcy Law Firm via our reviews, credentials, education, success rate as you look through our website. Now I want to tell you a little more about our team, I cannot describe the satisfaction I get when we:

• Save a client’s home from foreclosure

• Enable a client to keep their vehicle 

• Obtain a strip-off of a 2nd mortgage

• Stop creditors from calling and proceeding with wage garnishments

• Stop a foreclosure

• Enable a client to stay in their homes with bankruptcy protection

• Keep a client’s business operational

• Afford my clients the ability to get a fresh start.

Ralph A. Ferro, Jr, Esq. provides bankruptcy services to help people not only to get rid of their debts but also to get rid of the stress and problems affecting their lives with crushing debts. I sincerely enjoy the process as I alleviate overwhelming financial debts for my bankruptcy clients. They become aware they do not have to work for the rest of their lives to pay off their debts. Once a debt is lifted, I see the immediate changes in the lives and well-being of my clients. Client’s business relationships improve as well as their personal relationships. In some instances, it is the equivalent to winning a small lottery and paying off all your debts. Sometimes individuals just need that extra reinforcement from our team at NJ Bankruptcy Law Firm that everything is going to be OK and it is not the end of the world. Learn more About Bankruptcy Attorney NJ

When clients first contact us, they are scared/frustrated/embarrassed/angry at themselves for getting into this financial situation. We get to know my client’s unique financial situation. We reassure my clients:

• You will definitely bounce back

• Similar financial situations happen to many people

• You are not alone

• I am here to help you to determine if and how filing bankruptcy will benefit you.

As I am the only attorney at NJ Bankruptcy Law Firm, I take a personal interest in every case, I work with you at the beginning, middle, end of your bankruptcy case and beyond.

Bankruptcy courts and law firms use Bankruptcy Mediation as a valuable adjunct to case management to help resolve issues.

Bankruptcy Mediation is important for a number of reasons, typically a Bankruptcy Lawyer, or Attorney helps the cases go through smoothly, as they are properly prepared, analyzed, and filed.

However, when there is a dispute related to a debt, an adversary proceeding is filed. There are a multitude of reasons for an adversary proceeding.  Despite best efforts, sometimes disputes are unable to be settled. For those cases, a Bankruptcy Mediator is an excellent additive to bring the matter to resolution prior to a Court trial.  In fact, Courts Agree. Discover facts about Bankruptcy Protection New Jersey

Examples of adversarial issues:

• The Debtor and or the Bankruptcy Attorney propose that a debt should be dischargeable in bankruptcy but the creditor disagrees, e.g., tax debt, willful damages to a creditor.

• Creditor/Trustee upon looking at transference of assets before the bankruptcy, assert that there were fraudulent transfers.

• Debtor/Attorney files that the creditor violated the automatic stay. A creditor seized property/money when the bankruptcy was in place. Debtor was not given the bankruptcy protection that is in place.