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An Umbrella of Representation in Bankruptcy Law

The law office of Jeffrey Thomas Massaro, Counsellor-at-Law provides clients with an umbrella of representation within the practice focus of bankruptcy law.  This niche provides legal services within the following categories: Chapter 7 Bankruptcy, Chapter 11 Bankruptcy, Chapter 13 Bankruptcy, and Debt Collection Law.

Chapter 7 Bankruptcy

The federal bankruptcy laws, particularly Chapter 7 of the Bankruptcy Code, is designed to give an honest individual debtor a "fresh start." That being said, not all debts may discharged and not all debtors are entitled to relief under  Chapter 7 bankruptcy protection. Individuals must pass a "means test" to demonstrate qualification.  Furthermore, a bankruptcy discharge does not extinguish a lien on property.  Click here to visit the firm's Chapter 7 Bankruptcy page to learn more about this particular form of bankruptcy relief.

Chapter 11 Bankruptcy

This chapter of the Bankruptcy Code is typically utilized by businesses seeking to "reorganize" its debt obligations while continuing to operate.  In doing so, a debtor proposes a financial plan that is expected to keep the business operational and solvent while also paying creditors over a specified period of time.  Chapter 11 filings can either be voluntary or involuntary, the latter being filed by creditors that meet certain requirements.  Click here to visit the firm's Chapter 11 page to learn more about this particular form of bankruptcy relief.

Chapter 13 Bankruptcy

Similar to a Chapter 11 bankruptcy, a Chapter 13 bankruptcy enables individuals to develop a plan to repay all or a part of their debts over a period of three to five years.  This provides debtors with some advantages over a Chapter 7 proceeding, which is a liquidation of all the debtor's assets.  Here, under Chapter 13, a debtor can often save their home from foreclosure by agreeing to repay delinquent mortgage payments over time.  Other advantages of a Chapter 13 filing include the rescheduling of secured debts and providing protection to the debtor's co-signers.  Click here to visit the firm's Chapter 13 page to learn more about this particular form of bankruptcy relief.

Debtor Collection Law

Typically preceding or associated with a bankruptcy filing, debtors have fallen behind on payments to creditors.  In turn, creditors may attempt to collect the debt directly with their borrowers, or in the alternative, may sell your debt or the collection thereof to third-parties.  Debt collection practices are governed by federal law and provide debtors with several protections from abusive collection practices.  Click here to visit the firm's Debt Collection Law page to learn more about how Jeffrey Thomas Massaro, Counsellor-at-Law can help ensure compliant collection efforts.

Contact an experienced bankruptcy attorney

Bankruptcy proceedings require substantial knowledge about the Federal Bankruptcy Code, as well as a dynamic presence when opposing an objecting creditor.  Call Jeffrey Thomas Massaro, Counsellor-at-Law at (201) 880-8989 or contact us online to schedule a consultation.