Mount Laurel Bankruptcy Lawyers

Our New Jersey Bankruptcy Attorneys are proud to serve the legal needs of residents in Burlington County, Camden County, Atlantic County and Gloucester County from our  Mount Laurel, NJ law office.  Our law office is centrally located and is just off Route 73 and in close proximity to the New Jersey Turnpike and Route 295.  Our New Jersey lawyers offer a free initial consultation to determine your best legal strategy and we offer flexible payment plans to make any legal fees most affordable to you.  

When you hire our firm to file bankruptcy, stop a foreclosure, or help relieve your debt, you hire a team of legal advocates who care, who will keep you informed, and who will fight for you every step of the way. Your phone calls are promptly returned by our lawyers and professional staff. We’re available 24/7 to talk about debt relief strategies for your current situation. Whether you are filing for bankruptcy or trying to stop a foreclosure, we provide new clients a free consultation with a licensed attorney, and have flexible and affordable payment plans for any client who may need assistance. Call our experienced lawyers in Mount Laurel for exemplary debt relief legal services and get the financial relief you deserve.

3000 Atrium Way Suite 200
Mount Laurel, NJ 08054-3910

Phone: 856-343-4068

Over 500 Five Star Reviews

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Bankruptcy Law

Mount Laurel Chapter 13

Chapter 13 bankruptcy is a legal process in Mount Laurel that allows people to repay their debts over time while having the opportunity to keep valuable assets, like a home. Call our bankruptcy attorneys to receive a free consultation and review of your financial situation and determine a debt reorganization strategy that’s right for you.

Mount Laurel Chapter 7

A Chapter 7 Bankruptcy is an immediate discharge or wiping out of unsecured debts. Debts that can be included in a Chapter 7 Bankruptcy are credit card debts, medical bills, personal unsecured loans, timeshares, certain tax debts, and more. Call our attorneys in Mount Laurel and receive free consultations and reviews of your financial situation to determine a strategy that’s right for you.

Mount Laurel Bankruptcy Alternatives

There are alternatives to filing bankruptcy in Mount Laurel that can lower your debt and stress for certain situations. Services like foreclosure defense, IRS defense, and other debt-relief services can be an effective strategy to get your debt under control. Call our attorneys in Mount Laurel and receive free consultations and reviews of your financial situation to determine a strategy that’s right for you.

Foreclosure Defense

Mount Laurel Mortgage Modification

Oftentimes a hardship such as unemployment, reduction in income, divorce or separation, or unanticipated expenses lead to a late or unpaid mortgage payments. When such a hardship occurs a mortgage modification may be a viable option, especially if other debts (credit cards, vehicle payments, etc.) are substantially current or non-existent.

Mount Laurel Pre-Foreclosure Forbearance Plan

Prior to a mortgage foreclosure in Mount Laurel taking place, the mortgagee may be open to postponing a sale based on the reinstatement amount being repaid over a short period of time.

Mount Laurel Short Sale

A short sale of property is a tool used in Mount Laurel to stay an imminent mortgage foreclosure. A short sale is where the mortgagor sells the subject property “short” of the mortgage amount.

Debt Relief

Mount Laurel Debt Settlement

An alternative to declaring bankruptcy, our lawyers in Mount Laurel can negotiate with a creditor to settle a debt for less than what is owed.

Mount Laurel Debt Consolidation

Similar to a debt settlement, consolidating your debt involves making a single payment to all your creditors for a reduced amount to what is owed. Our lawyers in Mount Laurel work with your creditors to negotiate these payments.

IRS Defense

Mount Laurel Offer in Compromise

An offer in compromise (OIC) is an agreement between a taxpayer in Mount Laurel and the Internal Revenue Service (IRS) that settles the taxpayer’s tax liabilities for less than the full amount owed.

Mount Laurel IRS Installment Agreements

For those in Mount Laurel who cannot resolve their tax debt through an offer in compromise, an installment agreement can allow a taxpayer to devise a reasonable payment plan option.

From our Mount Laurel, NJ location our attorneys assist in the following fields of law:

New Jersey Chapter 7 Bankruptcy Lawyer:

Filing Chapter 7 Bankruptcy in New Jersey is more common than people think.  Although New Jersey is among the states with the highest income, it is also the 9th most expensive state to live in according to Reader’s Digest  Due to high property taxes, insurance rates, rents and other expenses, there is not a lot of room for unexpected expenses that will undoubtedly arise.  When there is an emergency, increased expenses, unexpected loss of income or expenses related to a growing family, many families in New Jersey are forced to rely on credit cards and personal loans to get by.  The incurrence of debt puts an additional financial burden on families in New Jersey which they struggle to pay for years.  With credit card interest averaging 21.28% according to The Balance, many families are forced to fall behind on debts.  Due to collection lawsuits, decrease in credit scores, credit harassment, failure to secure more credit, failure to obtain car loans and/or a mortgage at a competitive interest rate residents of New Jersey turn to Chapter 7 Bankruptcy to obtain a fresh financial start.  

New Jersey Chapter 13 Bankruptcy Lawyer:

Any Chapter of Bankruptcy is based on affordability, however Chapter 13 Bankruptcy is the ultimate example of a debt reorganization based on affordability.  In New Jersey, it is not uncommon for home owners to fall delinquent on their mortgage, in fact New Jersey has almost double the national average of homeowners who are delinquent on their mortgage according to Bankrate,  Ultimately the mortgage delinquency results in a foreclosure proceedings.  Most Chapter 13 Bankruptcy proceedings that we see are a result of a mortgage foreclosure action.  A Chapter 13 allows a Petitioner to stop any future sale of their home and remain in the property.  The Petitioner will repay the mortgage arrears back by putting the arrears in an extended plan up to five years long.  Also, any other unsecured debts (credit cards, personal loans, medical debts, etc.) will be repaid based on affordability only. 

Another common reason that a Chapter 13 Bankruptcy is filed in New Jersey is to engage in a compromise with creditors based on “affordability.”  Unlike debt consolidation that only looks at how much debt you have, Chapter 13 Bankruptcy looks at “how much can you afford.”  Meaning, using in Bankruptcy the court will look at income, household size and expenses to determine how much is anything is left on a regular and monthly basis can be distributed to the creditors.  Creditors in Chapter 13 Bankruptcy are most often paid only cents on the dollar at 0% interest resulting in lesser expenses relating to debt on a monthly basis and greater saving for the Chapter 13 Bankruptcy filers.

New Jersey Mortgage Foreclosure Defense and Collection Defense

Bankruptcy is not always the best option for a client.  When a client is facing a collection lawsuit or mortgage foreclosure action it may be the best option to defend the suit or engage in a settlement with the creditor.  If there is only one creditor or one lawsuit, it is most beneficial to explore a settlement arrangement with the creditor prior to a Bankruptcy proceeding.  Furthermore, where a legal meritorious defense exists, for example, an agreement has been reached in writing before the lawsuit was filed or payments were made to the Creditor and not credited a filed defense to the litigation is warranted.  

Recently on our Mount Laurel Bankruptcy Blog

file that says myth

Bankruptcy myths

Many believe that when filing for bankruptcy, not only does it ruin your financial future, but it also should be seen as a personal failure. This is simply not the case.

Read More »

Work with Our Dedicated and Experienced Bankruptcy Lawyers

The lawyers at Sadek and Cooper Law Offices are proud to share our combined over 50 years of experience assisting clients in debt relief with you.  Please call our office at 856-343-4068 to schedule your free and confidential consultation with a lawyer.  We look forward to helping you.!

The Sadek & Cooper Difference

  • Over 4,000 Satisfied Clients
  • Super Lawyers Listed
  • No More Credit Card Debt
  • Low Flat-Rate Legal Fees
  • Free Initial Consultation
  • Convenient Locations Throughout the Philadelphia Region
  • No More Personal Loan Debt
  • Fast and Accurate Filing
  • Answering ALL your Creditor Calls
  • Save Your Home From Foreclosure
  • No More Medical Bills, Collections, and Other Debts
  • Payment Plans Available
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Find Sadek & Cooper Near You

Center City Philadelphia, PA

Philadelphia Building
1315 Walnut Street, Suite 502
Philadelphia, Pennsylvania 19107-4707
(215) 545-0008
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Northeast Philadelphia, PA

2375 Woodward Street, Suite 105
Philadelphia, Pennsylvania 19115-5119
(215) 545-0009
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Delaware County, PA

Victoria Mills Business Center
1489 Baltimore Pike #218
Springfield, Pennsylvania 19064-3968
(610) 432-3111
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Montgomery County, PA

630 Freedom Business Center Drive, Suite 36
King of Prussia, Pennsylvania 19406-1331
(610) 951-4655
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Bucks County, PA (Levittown)

1609 Woodbourne Road, Suite 203B
Levittown, Pennsylvania 19057-1538
(215) 545-1055
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Bucks County, PA (Trevose)

5 Neshaminy Interplex, Suite 205
Trevose, Pennsylvania 19053-6932
(215) 468-3328
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Mount Laurel, NJ

3000 Atrium Way, #218
Mount Laurel, New Jersey 08054-3924
(856) 343-4068
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Moorestown, NJ

302 North Washington Avenue, Suite 101 West
Moorestown, New Jersey 08057-2448
(856) 343-4068
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Cherry Hill, NJ

One Mall Drive, Suite 415
Cherry Hill, New Jersey 08002-2101
(856) 890-9003
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Our Reviews

  • 5 star review  Mr. Sadek gave sound and coherent counsel; the entire office was very responsive and professional.

    thumb Jennifer Navva Milliken

    5 star review  Fantastic services received by Brad and his staff. Would highly recommend this firm to anyone!

    thumb Sheridan Apple

    5 star review  Excellent law firm. Brad was very easy to work with, his staff was outstanding. I highly recommend Sadek and Cooper.

    thumb Adolph Dunn
  • 5 star review  Very pleased with the representation I received from Sadek and Cooper. I would rank them among the best attorneys I have had the pleasure of working with.

    thumb Shane Perkins

    5 star review  Very happy I chose Brad Sadek to assist me in my Debt Relief. He was super helpful through out the process, his knowledge is where you would expect and beyond. Very friendly and all the employees at the firm treat you like family.

    thumb Karl Valentine

    5 star review  I'm very happy with Saked and Cooper. While mine was a small case, Brad helped me negotiate and settle a lingering debt dispute at a very fair price and in a timely fashion. I couldn't have gotten a better result from anyone and am more than impressed with the service I received.

    thumb Daniel Mellbye
  • 5 star review  Brad promised quick resolution of my bankruptcy and delivered on his promise. His staff of para-legals were very helpful and attentive. The document load was quite manageable. When Brads quotes a flat rate, he means it. If you want a successful outcome to your bankruptcy, Sadek and Cooper is the firm to choose. .

    thumb Al Brothers

    5 star review  I assisted my sister in finding a bankruptcy attorney, after researching we decided to use Sadek and Cooper. They are an excellent choice in the Philadelphia area, great communication, easy and upfront. Would highly recommend them to anyone searching for a bankruptcy lawyer.

    thumb Eldon Sweet

    5 star review  I was going through a very hard, stressful time in my life, resulting in having to file for bankruptcy. Everyone at this firm was friendly, knowledgeable and went above and beyond for me. Matthew Lazarus was my attorney. He went the extra mile even a year after my bankruptcy was closed to tie up loose ends. I highly recommend Sadek and Cooper!!

    thumb Tara Wilkie
  • 5 star review  I would honestly say the best firm out there! Works well with their clients, gives options and honest opinions! Can't ask for better than that.

    thumb Danny Merrill

    5 star review  The attorneys at Sadek and Cooper are some of the most diligent I've ever met. Their first priority is taking care of their clients and seeing their cases through. Their staff is very friendly and compassionate to everyone who walks in the door. I highly recommend them!

    thumb Jon Frey

    5 star review  It's not enough words to put this in how amazed , appreciative and grateful to have Mr. Sadek help me through my bankruptcy. When i first contacted Mr. Sadek i was nervous and didn't know what to expect he eased a lot of my worries and i left his office feeling like a load had been lifted. Mr. Sadek is very professional, caring, understanding and supportive also Matt one of the other attorney and Karen . Everyone in this office is absolutely amazing. I must say i wouldn't recommend anyone else if it wasn't Mr. Sadek and his firm. If you want the best look no further.

    thumb Patricia Southerland
  • 5 star review  Brad Sadek at Sadek and Cooper Law is AMAZING and gives excellent customer service. 10 years ago he personally guided me through chapter 7 and let me enter into a payment plan until I had enough to file. Within 2 years my credit score was back up and during my 3 year I was able to buy a beautiful. Unfortunately, I'm going through a divorce and I had to come back to him to file a chapter 13 to save my home from foreclosure but Brad even as the owner of this big law firm met with me personally to discuss my case and give my options and again was so willing to work with me until I had the money to file. Today I called the office for a random question and thought one of the other lawyers that work for him would call me back but nope it was Brad and took time to listen and answer my questions. He truly cares about all of his clients no matter what there status or income. If you are considering bankruptcy; please come talk to Brad I know he will listen and give you good sound legal advice . He saved my life twice. Thank you Brad and all of your wonderful staff at Sadek Law.

    thumb Andrea

    5 star review  I highly recommend Sadek And Cooper Law Offices. When I first met Brad Sadek I was very nervous and stressed about talking about my bankruptcy situation but Brad Sadek made me feel relaxed and explained everything to me in detail. After the initial consultation I met with Matthew Lazarus and he was wonderful and further explained my chapter 13 bankruptcy case. I cannot say enough good things about them. They answered all my phone calls and emails the same day. They are professional, knowledgeable, understanding and caring. Needless to say I never thought I would have to file for bankruptcy and the thought of it was so overwhelming and stressful but Brad and Matthew made the whole process stress free. if you need a bankruptcy lawyer I definitely recommend Sadek and Cooper, don't even think of going anywhere else. I just want to say thank you to them and to everyone at Sadek and Cooper Law offices. They are the best!!!!! THANK YOU!!!!

    thumb Frank Percaccia

    5 star review  I had the opportunity to work with Brad Sadek who did a fantastic job for me on an issue I desperately needed help with immediately. He was very professional, trustworthy and provided me with my options going forward. I would recommend the Sadek and Cooper Law Offices to anyone who is going through a bankruptcy for their expertise and compassion when dealing with one of the most upsetting place you may find yourself to be in. They can help you with respect so you can maintain your dignity. You will not regret choosing this law firm.

    thumb Jean Tyrell
  • 5 star review  The caring and kind nature of the team at Sadek & Cooper definitely made a very hard situation smooth and simple. My questions were answered sometimes more than once and my anxieties eased as they reassured me as long as I provided documentation everything was being handled by their office. And it was and I am happy I selected this office. Thank you!!

    thumb Serena Morris

This website is for informational purposes only and is general in nature. This website does not create an attorney client relationship under attorney rules of ethics. An attorney client relationship is created with Sadek and Cooper Law Offices only after a meeting and the signing of an attorney client engagement agreement. We encourage you to seek legal counsel regarding your particular situation.

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3000 Atrium Way, Suite 200, Mount Laurel, NJ 08054