Ralph A. Gonzalez, Attorney at Law


Ralph A. Gonzalez, Attorney at Law



Helping You Get A New Beginning Through Chapter 7 Bankruptcy

Credit card debt, unpaid medical bills and other types of debts can overwhelm you. If your financial situation looks hopeless, you need to consider bankruptcy. Millions of Americans have filed Chapter 7 bankruptcy to get a clean start. Without a skilled bankruptcy lawyer on your side, you may not get the debt relief you need. I am Ralph A. Gonzalez, Attorney at Law. From my office in Voorhees Township, I help people across New Jersey file for bankruptcy. I have practiced law for 30 years, and have the experience and skill you need during a difficult time.

How Can Chapter 7 Bankruptcy Help Me?

When you file Chapter 7 bankruptcy, your creditors are forced to stop any effort to collect their debts. Filing bankruptcy will stop wage garnishments, lawsuits, repossession and harassing phone calls. When you file Chapter 7, some of your property could be liquidated, or sold, and your creditors could receive the proceeds. Most people who file Chapter 7 bankruptcy lose very little, if any, of their property. Before we file Chapter 7, I will look carefully at your property to see what, if anything, you could lose in bankruptcy. Afterwards, the bankruptcy court will discharge your debts such as credit cards and medical bills.

Do I Qualify For Chapter 7 Bankruptcy?

Before you can file for Chapter 7 bankruptcy, you must show that your income is below a certain level. This is known as the means test. Before we file for bankruptcy, I will look at your income to see if you qualify for Chapter 7. If you do, I will file your bankruptcy petition as soon as possible.

If you earn too much money to file Chapter 7 bankruptcy, you still have options. You can file Chapter 13, which allows you to repay a portion of your debt over three to five years. Whatever route we take, I will go the extra mile to make the bankruptcy process work for you.

Your First Step To Debt Relief Is A Phone Call Away

Call my law firm at 856-335-1166 for a free phone consultation. You can also reach me through my online contact form.

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Ralph A. Gonzalez, Attorney at Law, is a debt relief agency helping people file for debt relief under the Bankruptcy Code.

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