Ralph A. Ferro, Jr., Esq. Law Offices

At NJ Bankruptcy Law Firm, our mission is to provide expert bankruptcy representation to individuals and businesses in New Jersey. Our law firm, led by Board Certified Attorney Ralph A. Ferro, Jr., Esq., has over 30 years of experience in handling various types of bankruptcy cases, including Chapter 7, Chapter 11, Chapter 11 Subchapter V, and Chapter 13.

Our Services

We understand that financial difficulties can be overwhelming, and that's why we are committed to providing personalized attention to each of our clients. Our services include:

• Chapter 7 Bankruptcy: Also known as liquidation bankruptcy, Chapter 7 allows individuals and businesses to eliminate debts while keeping exempt property.
• Chapter 13 Bankruptcy: This type of bankruptcy helps individuals reorganize past-due mortgage and car payments, saving their homes and cars from foreclosure and repossession.
• Chapter 11 Bankruptcy: Designed for individuals and businesses, Chapter 11 bankruptcy allows for debt reorganization while staying operational.
• Chapter 11 Subchapter V Bankruptcy: This type of bankruptcy is for businesses with less debt or individuals exceeding Chapter 13 debt limits, providing a more efficient and cost-effective way to reorganize debts.

Why Choose Us

At NJ Bankruptcy Law Firm, we pride ourselves on our proven results, commitment, and expertise. As a smaller law firm, we are able to provide personalized attention to each of our clients, ensuring that they receive the best possible representation. Our expertise extends to creditors' rights, claims litigation, and adversary proceedings, giving us a unique understanding of the bankruptcy process from all sides.

Our Goals

Our goal is to provide our clients with a fresh start, free from the burden of debt. We strive to educate our clients on their rights and options, empowering them to make informed decisions about their financial futures. With our expertise and commitment, we aim to provide the best possible outcomes for our clients.