Consumer & Business Bankruptcy Attorneys

It’s stressful when bills keep piling up and you don’t have the income or revenue to pay them. You might feel like you don’t have many options, which makes these circumstances seem overwhelming. If you’ve fallen behind on payments and find yourself in a financial dilemma, there is a way to get out of debt; Bankruptcy.

Filing for bankruptcy can help you gain control of your financial situation and turn your life or business around. At Middlebrooks Shapiro, our experienced bankruptcy lawyers have helped many individuals and businesses recover from challenging financial situations. Below are the bankruptcy practice areas we can assist you with:

No matter what your financial situation is, bankruptcy can be a great way to get out of debt and start over. If you’re looking to file personal bankruptcy, your best options are Chapter 7 , Chapter 11 and Chapter 13.

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Bankruptcy can give your business the financial fresh start it needs. Your best options are Chapter 7, Chapter 11 (and Subchapter V), and Chapter 13.

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Chapter 7 is the most common type of bankruptcy, also known as a “liquidation”. You’ll work with a trustee who will sell all “non-exempt” property and use the proceeds to pay creditors.

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Chapter 11 Bankruptcy can be filed by both individuals and businesses. It can help you get out of debt without requiring liquidation. We have extensive experience with complex business bankruptcy cases.

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Need to save your small business? Consider reorganization through Subchapter V bankruptcy. The goal of Subchapter V is to speed up reorganization and reduce the cost of bankruptcy reorganization under Chapter 11 for smaller businesses.

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Chapter 12 bankruptcy is designed for farmers and fishers and removes some of the barriers found in Chapters 11 and 13. Filing a Chapter 12 will allow you to reorganize through a three-to-five-year-long plan using your future income.

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Chapter 13 bankruptcy lets you keep your home (and other assets) and catch up on your back mortgage, car, and tax payments over a 36-60 month period.

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Loan modification enables you to negotiate with your lenders to reduce interest rates, extend loans, or even entirely change the type of loan.

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A New Jersey assignment for the benefit of creditors (an “ABC” or “assignment”) is liquidation under statute. It’s not a reorganization process and the business does not emerge from insolvency. Rather, the subject business is liquidated through this state court process.

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Get Your Free Bankruptcy Consultation Today

Attorney Melinda D. Middlebrooks and Attorney Joseph M. Shapiro have over 30 years of extensive bankruptcy experience. We handle cases from basic to the most complex. We offer a free, no-obligation consultation. From our office in Springfield, we work with clients throughout Union County and beyond by leading them through the legal process of numerous practice areas.

Call 973-218-6877 to speak with the experienced bankruptcy attorneys of Middlebrooks Shapiro. We’ll ensure you get the perspective you need to understand the full picture and the guidance to have a successful bankruptcy, rebuild your credit, and move forward with your new debt-free life.