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 manage your case, 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. We also 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.
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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.
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.
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.
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 https://www.rd.com/
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, https://www.
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.
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.!
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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.
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!!!!
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.
- Jean Tyrell
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.
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!!
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!
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.