Bankruptcy Services in New Jersey

Clear options for individuals and businesses facing debt pressure across New Jersey.

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Chapter 7 Bankruptcy

Chapter 7 is commonly used to discharge qualifying unsecured debts such as credit cards and medical bills. Eligibility typically depends on income and the Chapter 7 means test.

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Chapter 13 Bankruptcy

Chapter 13 allows individuals with regular income to reorganize debt through a structured 36–60 month repayment plan. It is often used to catch up on mortgage arrears or vehicle payments.

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Chapter 11 Bankruptcy

Chapter 11 provides a reorganization framework for businesses or individuals with complex debt structures.

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Subchapter V Bankruptcy

Subchapter V is a streamlined Chapter 11 pathway designed for qualifying small businesses seeking to reorganize debt while continuing operations.

Bankruptcy Can Stop Escalating Debt Pressure

Filing bankruptcy may trigger the automatic stay, a federal protection that generally stops many collection actions, including:

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Harassing creditor contact

This pause allows you to evaluate options and move forward through a structured legal process.

Bankruptcy Eligibility Explained Clearly

Many people hesitate because they are unsure whether they qualify. Eligibility depends on factors such as:

  • Income levels and the means test
  • Type and amount of debt
  • Property ownership and exemptions
  • Prior bankruptcy filings

Understanding these factors before filing helps ensure the correct chapter is selected.

For more detailed guidance, visit NJ Bankruptcy Means Test and NJ Bankruptcy Exemptions.

Who We Help

Individuals and Families

Clients dealing with credit card debt, medical bills, lawsuits, or garnishment.

Homeowners

People behind on mortgage payments who want to explore foreclosure protection options.

Small Business Owners

Business owners considering Chapter 11 or Subchapter V reorganization.

Self-Employed Professionals

Individuals balancing personal and business debt obligations.

Start With a Confidential Case Evaluation

Choosing a bankruptcy chapter is not about guessing — it requires reviewing income, assets, and debt structure carefully. Robert H. Johnson LLC provides bankruptcy-focused representation designed to help clients understand their options clearly before filing. If you are searching for a bankruptcy attorney in New Jersey, the first step can be taken online in minutes.