Overwhelmed by credit card debt, medical bills or business debt? Facing foreclosure, wage garnishment or creditor harassment? If your financial burden has become a personal burden, there is hope and help.

At the law firm of Keith, Winters & Wenning, L.L.C., we understand there are often many factors that contribute to insolvency. With more than 45 years of combined experience, our experienced bankruptcy lawyers can guide you through the complex process.

Obtain a fresh financial start. Contact the law office of Keith, Winters & Wenning, L.L.C., online or call 732-774-1212 to learn how you can overcome your financial burdens.

Offering Experienced Counsel for Individuals and Businesses

The attorneys at our New Jersey law firm offer debt relief to both individuals and businesses. We also serve creditors in bankruptcy proceedings to maximize their recovery of outstanding debts by challenging bankruptcy petitions and asserting preference.

Individuals and businesses benefit from our diverse practice because we know what creditors look for in a petition. We use this knowledge to prepare a complete bankruptcy petition that will not draw scrutiny from creditors.

Our practice also helps the creditors we serve. We know the common mistakes that inexperienced lawyers make when filing petitions.

Understanding the Different Kinds of Bankruptcy: Debt Relief Through Chapter 7, 13 or 11

Choosing the right bankruptcy is important and every situation is unique. Our New Jersey bankruptcy lawyers can assess your individual situation and discuss which options will be best for you. There are three primary forms of bankruptcy that most individuals and businesses will pursue. Each chapter provides its own advantages.

Chapter 7 bankruptcy — Also known as liquidation, Chapter 7 bankruptcy enables you to eliminate most of your unsecured debts while keeping most of your personal property through a system of exemption. Our bankruptcy attorneys will explain what debts are dischargeable, which assets can be protected and what is needed to qualify for Chapter 7 bankruptcy.

Chapter 13 bankruptcy — This kind of bankruptcy is sometimes known as repayment. It offers relief to people who may not qualify for Chapter 7 bankruptcy because of their income. Chapter 13 bankruptcy allows people to get out of debt while making a series of affordable payments over a three- to five-year period. Chapter 13 enables people who are behind on mortgage or car payments to avoid foreclosure or repossession.

Chapter 11 bankruptcy — Sometimes referred to as reorganization, Chapter 11 bankruptcy protects businesses from creditors while they restructure their debts and assemble a plan for business recovery. Our attorneys use sophisticated analysis of financial information to provide an accurate assessment of a business’s viability.

Contact Our New Jersey Debt Relief Lawyers

We have helped thousands of people obtain debt relief since our firm was founded in 1944. For a free initial consultation with an experienced New Jersey bankruptcy lawyer who will guide you every step of the way, contact our law firm online or call 732-774-1212.

Attorney’s Practicing in This Area:

Michael Wenning
Brian Winters
Amy Hansel

Lawyer Brian Winters - Bradley Beach Attorney - 2014-12-26 05-43-22