Camden County, NJ - Phone: (856) 751-4224
Founded in 1994 and operating continuously since that time in Camden County the Law Offices of Lee M. Perlman has helped thousands of Camden County New Jersey consumers get the financial fresh start they deserve.
Camden County consumers with debt can learn how to stop creditors and get breathing room now from:
Camden County consumers with debt can lean how when you file bankruptcy in many situations we can protect your:
After you file bankruptcy Camden County consumers should understand that
Your credit score will increase, not decrease
You will be able to answer your phone again, without fear of creditor harassment or intimidation
You will be able to own real estate after a period of time following your discharge
If you live in Camden County whether you elect to restructure your debts or file a bankruptcy our firm's chief objective is make certain your process is straightforward, uncomplicated and without surprises. No one likes legal terms they cannot understand!
For our Camden County clients you will always know what to expect next with your case
We work closely to help all consumers with debt and bankruptcy issues in Camden County
- Do your offer payment plans?
Our firm offers flexible payment plans to meet your specific budget.
- Will I ever get credit again?
Yes, since you will have fewer debts and a lower debt to income ratio and you will likely return to paying your bills on time after your case concludes, your credit score may be as high as 720 post discharge in some cases.
- Will my house or car or be affected?
In the majority of cases if your car and house do not exceed a certain amount and you are current with your mortgage company and car lender, in most cases, these assets are not impacted when you file.
- I do not want to lose my tax refund
In a bankruptcy there are protections, or credits, that allow you to exempt your tax refund to a certain extent, everyone's case is different and the firm will be able to explain exactly how much and what can be protected when you receive your tax refund.
- Is it true that deadbeats file for bankruptcy?
Not true! Most of the people filing for bankruptcy are good honest hard working people, just like you and me, who file as a last resort after months or years or struggling to pay the bills. You are completely wrong in thinking that you are deadbeat if you file bankruptcy. If you need to file bankruptcy it can be one of the most responsible steps you can take for your family's happiness, prosperity and future.
- What is the financial sweatbox, is it dangerous and how can I avoid it?
The financial sweatbox is a term for the time before a person files for bankruptcy. This period goes beyond struggling, with asset depletion and debt collection lawsuits, people stuck in the sweatbox are dangerously waiting and forgoing basic necessities like food, to avoid filing bankruptcy.
- What is a long struggler and how can I avoid reducing assets?
A study found that 66% of those waiting to file bankruptcy were long strugglers, or those who endured the financial sweatox for 2 years or longer. By the time they file long strugglers typically had half the assets vs. filer who does not wait 2 years.