Being in debt is no laughing matter. If anything, it is one of the most stressful experiences affecting one’s business or personal life. And contrary to popular belief, it does not always stem from reckless spending or poor business judgment.
Unanticipated events and circumstances often cause financial difficulties. A sudden illness, accident, or other significant life changes can cause you to fall behind on your bill payments. The ongoing Covid-19 crisis continues to cause financial hardship for individuals, families and businesses throughout New Jersey.
To make matters worse, creditors are frequently aggressive, rude, threatening and employ questionable tactics. However, they cannot take any action to collect debts without permission from a bankruptcy judge during bankruptcy proceedings. This provides immediate relief from the stress caused by financial problems and gives our clients hope for the future.