Bankruptcy Overview

The Relief You Need from Debt in New York and New Jersey

Debt affects people of all walks of life. Business owners and employees, parents and students and everyone in between can find themselves struggle to make ends meet. When debt becomes too much to handle, filing for bankruptcy may be an option.

At Kurtzman Matera, P.C., we have helped individuals and businesses get relief from debt for over 20 years. We will listen to your story and help you decide if bankruptcy is the right debt relief option for you.

Find Out if Bankruptcy is Right for You
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Losing a job, medical problems, mounting credit card bills — people find themselves facing bankruptcy for many different reasons. We will never judge you. As your lawyer, our job is to help you find a solution, not to make you feel worse about a difficult situation.

Depending on your income and circumstances, filing for bankruptcy may be the best way to get relief from debt. We will help you understand which form of bankruptcy is right for you:

  • Chapter 7 Bankruptcy — When you have to choose between paying the heating bill and buying groceries, Chapter 7 might give you relief. If you qualify, this form of bankruptcy lets you liquidate certain assets and discharge all of your unsecured debts.
  • Chapter 13 Bankruptcy —For individuals who make too much each month to file for Chapter 7, or those who want to keep their home, Chapter 13 "reorganization" Bankruptcy may be a better choice. This form of bankruptcy lets you create an affordable plan to repay some or all of your debt over time.
  • Chapter 11 Bankruptcy — Businesses struggling with debt can also get relief through bankruptcy. You may be able to liquidate part of your company or reorganize your debt into a payment plan you can afford. Bankruptcy could help you keep your business.

Although many people benefit each year from bankruptcy, it is not right for everyone. We also have extensive experience negotiating creditor workouts to relieve our clients' financial stress.

Anytime you are struggling with overwhelming debt, we can explain your options and guide you through the legal process to debt relief. Contact us to schedule an appointment with an experienced attorney at one of our offices in Spring Valley, New York (845-579-2791) or Cresskill, New Jersey (201-368-0807).

*We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.