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Bankruptcy Attorney New Jersey

Unfortunately, these days it’s more commonly reported that many people are unable to pay their bills. Unemployment in New Jersey was at 3.7% in November 2019 but jumped to 15.3% in April 2020. During these economically uncertain times, many individuals are desperate to unburden their expanding debts and have a fresh start. The devastating economic impact COVID-19 has had on the New Jersey economy can be felt in communities all across the state. More people are beginning to ask hard questions about how to stabilize their finances and get through another economic downturn, and filing for bankruptcy may be the answer.

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Special Needs Law

On May 17, 1954, the United States Supreme Court decided the…

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All Bankruptcies are governed by Title 11 of the United States Code.

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Bankruptcy, Chapter 7, 11 and 13 Lawyers and Attorneys in Livingston and New Jersey

  • Do you require assistance with securing proper educational programs and services for a special needs child?
  • Are you struggling with financial issues and contemplating bankruptcy?
  • Have you been the victim of a car accident?

If you answered yes to any of these questions, you deserve top-notch legal counsel and Attorney Stuart M. Nachbar is here to assist you.

At the Law Office of Stuart M. Nachbar (recognized as an “AV Preeminet” Firm by LexisNexis / Martindale-Hubbell), we have a few specialized areas of practice. Our primary areas of practice include Bankruptcy, Special Needs Advocacy, personal injury and accident litigation. Our office is conveniently located in the Township of Livingston, In Essex County, New Jersey.

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Credit Card or Tax Debt?

For over twenty (20) years, Stuart M. Nachbar has been practicing Bankruptcy Law and handles all forms of personal and business bankruptcies, including Chapter 7, Chapter 11, and Chapter 13 in Livingston, New Jersey. We understand the frustration that is often felt when trying to resolve a financial issue alone and will help you overcome your debt and legal challenges with the IRS, the mortgage companies, and other creditors. This includes the right to potentially obtain a loan modification, remove a second mortgage, and keep your property and personal belongings intact. Turn to our bankruptcy attorneys in Livingston (Essex County), New Jersey for assistance with debt consolidation, Chapter 7 Bankruptcy, Chapter 11 Bankruptcy, Chapter 13 Bankruptcy, and any other debt-related matters. We will help you to eliminate your financial burdens and will work hard to get you on the road to a fresh financial start.

Special Needs Advocate

We represent families with Special Needs children as an Advocate fighting for your child’s rights and assisting families with Special Needs concerns before both the local School Districts, as well as, Administrative Law Judges. We have extensive experience representing families with special needs and disabilities. There are several laws in place, including The Individuals with Disabilities Education Act (IDEA) (1975) that protect the rights of individuals with disabilities. These laws allow a child with Special Needs to obtain the appropriate services or accommodations through the public schools that they require in order to facilitate their learning in the least restrictive way possible. While public knowledge of special needs has grown over the past 10 years, children with special needs often have their rights overlooked. Our Special Needs attorney in Livingston, New Jersey regularly works with the School Districts and represents families before both the School District and Administrative Law Judges in order to ensure these laws are upheld. Our goal is to improve the life of these children with disabilities by ensuring that their right to free, appropriate and fair education is fully protected.

Medical Debt

There are two types of debts: secured and unsecured. Secured debts are those that are backed by collateral, such as a car loan. Unsecured debts are those that aren’t backed by collateral, such as utility bills and credit cards. Medical bills are considered unsecured debts, which are dischargeable in a Chapter 7 bankruptcy, which means you may not have to pay them at all. If you file for a Chapter 13 bankruptcy then you will be on a payment plan that your attorney will help you to arrange. If you received treatments that were not covered by health insurance, then call our offices now. Medical debts are actually very common, but many people feel too overwhelmed to take action. These problems don’t go away and will only worsen with time, so call us today to schedule your consultation.

Why You Shouldn’t Wait

When a debt has not been paid then a collection agency is hired to handle the delinquent account and try to establish a payment plan with the debtor. When the debtor does not respond to calls or otherwise doesn’t pay the debt or work out a payment plan, the debt gets turned over to a law firm. At that point, a lawsuit may be filed to collect the debt owed, and this is important not to ignore. Each state has its own set laws on how to handle these cases.

It’s important to never ignore collection phone calls and/or notices sent by mail. You are only delaying the inevitable when you ignore these notices. And delaying will also cost you more money, as most of the time the debts are legitimate. You may face wage garnishments, repossessions, and foreclosures when you don’t take action to resolve your debts. Once a suit has been filed, you have to act quickly or your assets could be in danger of being seized, especially “liquid” assets, or those that can be easily converted into cash.

Additionally, you may face additional fines and even imprisonment if you fail to follow up with the law firm. Not replying to their requests for payment will result in a de facto admission of guilt, and you don’t want this judgment. This has serious implications for your financial future.

Why You Need A Bankruptcy Attorney In New Jersey

Our attorneys have a lot of compassion for our clients. It is our job to help you and work with you to efficiently resolve your case, so call the Law Office of Stuart M. Nachbar today. The world of bankruptcy has a lot of complications, twists, and turns, so having a highly-experienced attorney on your side is vital.

We can help you navigate important state laws relevant to people in New Jersey such as the Homestead Benefit program. Your attorney can also explain to you the New Jersey bankruptcy exemptions, which is the property you can protect from creditors when you file for bankruptcy. Additionally, in the Garden State, there are non-dischargeable debts.

Even if you file a Chapter 7 or Chapter 13, these debts will not be discharged and you will be responsible for paying them. If you’re in Livingston, New Jersey and need a bankruptcy attorney, then call us at the Law Office of Stuart M. Nachbar to schedule your consultation.

Non-dischargeable Debts


Child support back payments

Alimony

Student loans

Traffic tickets

and any other fines for law violations

Tax debt

Debt owed due to wrongful death or personal injury

that resulted when the debtor was driving while intoxicated

Collection Matters

Additionally, at the Law Office of Stuart M. Nachbar, P.C., we handle collection matters and have regularly appeared in Municipal Courts in towns located in Sussex, Morris, Passaic, Essex, Bergen, Union, Hudson, Middlesex and Somerset County, New Jersey.

You can trust Stuart M. Nachbar’s experience in major legal practice areas such as Personal Injury, Bankruptcy, Municipal Court, Special Needs Law, Education Law, Debtor-Creditor Litigation, Accidents, and Collections.

For further information please use our contact form or send an email to stuart@snanj.com and we will get back to you as quickly as possible. For immediate attention please call us at (973) 233 4049.

Thank you for choosing the Law Office of Stuart M. Nachbar, P.C.

Turn to the Law Office of Stuart M. Nachbar, P.C. today to schedule a no-obligation consultation so we can discuss the best approach to your case.

Client Reviews

  • review rating 5  Excellent professional acumen!! Ensures that clients completely understand and are informed throughout the process. Also, he is just a really nice funny guy! Thanks Stuart!!

    thumb Mar GinAl
    5/27/2020
  • review rating 5  I highly recommend Stuart Nachbar to all that are suffering from financial difficulties and considering a Chapter 7 or 13. Stuart is outstanding and very knowledgeable. I enjoyed our consultation, as it brought ease to know I was in the right hands! I can respectfully say he cares about his clients and it definitely shows in his work. My wife and I were drowning in debt , losing sleep and Stu was a realist with us. I’d rather have somebody be (real)then just lie and agree with you . If you’re having difficulties paying your bills and you don’t know what to do ,please reach out to Stuart Nachbar he’s the man for you .

    thumb David Suchocki
    4/16/2020
  • review rating 5  Mr. Nachbar successfully solved our case and recommend him without any reservation. He patiently explained the case complexities and was always available for questions and further consultations. Mr. Nachbar embodies professionalism in every interaction and truly cares about individuals. Hands-down, the best attorney experience we have had!

    thumb Malva Cuevas-Alvarez
    4/15/2020
  • review rating 5  Mr Nachbar is extremely knowledgeable in the bankruptcy laws and was very sympathetic to my needs during a very difficult time. If you are going thru tuff financial times and need solid advice it’s absolutely worth your time to speak with Mr Stuart Nachbar.

    thumb Bruce Degeorge
    1/07/2020
  • review rating 5  Stuart Nachbar was exceptional when it came to helping us throughout our bankruptcy. His knowledge and experience are what helped make our decision to retain him. Upon meeting him we felt comfortable and knew we were in good hands. We knew bankruptcy was what we needed to do, but were scared of actually going through with it as it was a big decision to make. Stuart helped to reassure us that everything would be alright and guided us step by step. He was quick, very quick! Always responded to our emails right away and always kept us in the loop with what was going on. The entire process was smooth and we are so happy to have retained him. We absolutely recommend you retain Stuart if you are looking for a quick, effective and efficient attorney.

    thumb pat & maria g
    12/22/2019

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