Debt Relief Attorneys in Wall & Toms River NJ

Bringing Debt Relief Services to Clients Since 1995

Filing for bankruptcy, whether as a consumer or a business, is an extremely personal decision. It should not be started until you receive professional and experienced legal counseling prior to making your decision. In bankruptcy, a federal judge and court Trustee will examine your assets and liabilities as a business or an individual who is unable to pay one’s bills. Depending on the circumstances and the type of bankruptcy filed, these court officials will decide whether to authorize a discharge of your debts or reduce your overall indebtedness to a manageable level. In the case of anyone filing a personal bankruptcy, you will have to meet certain requirements, such as completing approved credit counseling and debtor education.

Our firm handles legal matters in the following practice areas:

  • Bankruptcy Law: You need expert legal advice and direction that is provided by our established legal professionals to guide you through the bankruptcy process.
  • Personal Debt: Rather than struggle to keep up with your monthly bills, call to discuss legal ways to ease your burden and determine your best-case course of action.
  • Business Debt: Business debts need not lead to a sense of failure. Investigate your legal options to allow you to make the best decisions for your business.
  • Tax Issues: If your federal and/or state tax payments have escalated to an outstanding amount that you cannot handle, you may need to seek professional counseling to get back on track.
  • Foreclosures: Your home is your most precious asset, in most instances. Check with your legal representative to determine how to protect both your home and other assets when financial problems present themselves.
  • Wills and Estates: Everyone needs to pause and make sure that their wishes and directions for their estate are in order by preparing and executing the proper documents. Position your family to be protected in any event.
  • Wage Garnishments: It is obviously close to impossible to move forward when you are restricted by a wage garnishment, a lawsuit, or a judgment.
  • Credit Card Debt: Seek professional advice to determine the best way to manage financial issues.
  • Car Repossessions: Car repossessions create an undue burden when you are trying to succeed in life. Let us help you with all your obstacles to success by directing you in a positive direction.

Click here to check us out on AVVO or call (732) 517-7601.

Hear From Our Previous Clients

    Thanks to James and his staff I have my life back, what more can you ask for.

    “James Cerbone and his entire staff are in two words summing it up Very Professional !!!”

    - Frank
    He understood our needs and helped us through until the end.

    “We are very grateful for his professional manners to us.”

    - Lori
    They are attentive to detail and always there to assist us with any question or issue that has come up throughout this process.

    “If you ever find yourself in a position where you think your only option is bankruptcy and you are not sure, I would recommend James Cerbone and his team.”

    - Kaitlin
    I found Jim Cerbone and his staff to be professional, well organized, and very capable of handling all the needs of my bankruptcy.

    “Over the course of five years, there were bumps in the road and they were always there with an ear to listen and get the job done.”

    - Joseph
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