top of page

Federal and State of New Jersey Laws applied together may help an individual or couple eliminate their debt while saving their house, car and other belongings.  Our law firm will listen to your personal situation, analyze your specific debts and assets, and advise you if bankruptcy is a viable solution.  



The United States Constitution, Article I, Section 8 allows for Congress to enact laws on bankruptcy which will allow for an honest debtor to be given a second chance and a fresh start to their lives by eliminating certain debt while allowing individuals to keep certain possessions.

The Supreme Court of the United States
has stated that bankruptcy “gives the honest, but unfortunate debtor ... a new opportunity in life and a clear field for future effort, unhampered by the pressure and discouragement of preexisting debt.”

Desmond Law P.A.  helps individuals and couples file for bankruptcy and eliminate those debts that hold them back from going forward in life in a positive and rewarding manner.

There are numerous “Chapters” that  can be recommend for a bankruptcy filing. Those Chapters include:

Chapter 7 - Liquidation
Chapter 11 - Reorganization
Chapter 12 - Family Farmer or Fisherman

Chapter 13 - Consumer Wage Earner

To determine which Bankruptcy Chapter is right for you will require a discussion of your current situation. A recommendation will then be tailored to your individual needs. If bankruptcy is a viable option, a Bankruptcy Petition will be drafted and filed on your behalf .

The steps recommenced should stop creditor harassment and bill collector calls as well as stop any current lawsuits, stop all foreclosures, and stop creditors attempts at repossession or garnishments.


Provides a “Fresh Start” for a person in financial distress.

Eliminates numerous, potentially overwhelming bills such as doctor bills, hospital bills, unsecured personal loans, business debts, and credit card debts.

May be able to eliminate old tax liabilities.

Eliminates judgments and garnishments.

Eliminates deficiencies owed to banks from short sales or mortgage deficiencies from foreclosure.

Eliminates deficiencies owed as a result of repossession of a car, boat or other item.

Stops a foreclosure of a house or a foreclosure sale.  Depending on the situation, this halt may not be permanent.

Stops creditor lawsuits filed against you.

Stops the repossession of items such as cars, boats, or other items from banks and creditors.


Chapter 7 Bankruptcy was created so that the honest debtor can get a fresh start.

A Chapter 7 Bankruptcy will allow you to wipe clean most of your unsecured debts including doctors bills, hospital bills, judgments, old taxes, and credit card debts while being able to keep certain assets. Many people are able to keep all of their assets including their house, car and retirement accounts.

When a person files for bankruptcy, creditors and bill collectors must cease calling them, or contacting them in any way, in their effort to collect on the debts owed.  A Chapter 7 Bankruptcy will also put an end to wage garnishments and all lawsuits filed by creditors.

A Chapter 7 Bankruptcy can take as little as six months from start to finish. Once the Bankruptcy Court Judge grants you a bankruptcy discharge, you will no longer be legally responsible for the discharged debts.

Certain restrictions apply to Chapter 7 Bankruptcies.


Contact the office to find out if a Chapter 7 Bankruptcy is a good option for you.

Desmond Law P.A. offers a free consultation in its Chester, New Jersey office.


bottom of page