call us today (908) 704-9200
call us today (908) 704-9200
When your debts get too big and you’re facing serious creditor harassment at home or at work, you need an experienced Somerville bankruptcy lawyer who will guide you through the process at a good rate. Wronko & Loewen can provide you a free consultation to discuss your Chapter 7 or Chapter 13 bankruptcy.
Bankruptcy is not an end, but a new beginning. At Wronko & Loewen, we understand the difficulties debt can create. We know that life changes such as job loss, illness or divorce can result in unexpected expenses which can wreak havoc on your finances.
call us today(908) 704-9200
Our law firm has considerable experience helping people in Somerville and Somerset County as well as Central New Jersey get a fresh start. We have helped hundreds of people just like you, as well as small businesses, get debt relief. We have also helped people stop creditor harassment, bank account attachments, wage garnishments, and foreclosures.
Bankruptcy is tougher than ever. New federal bankruptcy laws make it harder for people to discharge their debts. We know these new laws – with our experience, we can guide you through the increasingly difficult bankruptcy process so you can obtain the financial results for which you are eligible.
We will work with you to carefully analyze your finances and determine whether you need a Chapter 7 bankruptcy or a Chapter 13 bankruptcy. If you don’t need to file for bankruptcy, we’ll negotiate with creditors to lower payments and we can help you design a sensible payment plan.
In the case of bankruptcy, we work with you on a flat-fee basis. Contact us today and we’ll help you take on debt, creditor harassment, and bankruptcy.
Founded in 1994, Wronko & Loewen has built a reputation as one of New Jersey’s leading firms. Our award-winning lawyers bring together more than 170 years of combined legal experience, offering clients a depth of knowledge and strategic insight that few firms can match.
At Wronko & Loewen, we pride ourselves on being trusted partners who stand by your side every step of the way.
With over 450,000 bankruptcies filed in 2023, the US had a 14-year high of corporate filings in 2024 that added to the total business and individual bankruptcy filings to reach more than 517,000 that same year.
Bankruptcy isn’t a one-size-fits-all solution, which is why understanding the different types of bankruptcy that are available can help you make educated decisions. By understanding how bankruptcy laws apply to each scenario, you can avoid costly mistakes, weigh the potential benefits of each path, and choose the approach that gives your finances the strongest chance for a fresh start.
Chapter 7, also known as liquidation bankruptcy, lets you discharge unsecured debts like credit card balances and medical bills. Our Somerville bankruptcy attorneys can help you identify which assets are exempt under bankruptcy laws and manage the liquidation process without putting your essential property at risk. Filing Chapter 7 can be a quick way to eliminate debt, as the process can be completed relatively quickly.
Chapter 13 involves a repayment plan that lets debtors keep their assets while also paying off their creditors over time. It’s ideal for those with a regular income who also want to protect their homes or vehicles from foreclosure and repossession.
Our experienced team can structure your repayment plan to comply with bankruptcy laws while making sure your bankruptcy case meets all the legal requirements.
If you’re a business owner facing financial difficulty, Wronko & Loewen can help you with corporate or sole-proprietor bankruptcy filings. Business bankruptcies are more involved and can include unique challenges like creditor negotiations and asset protection. Our attorneys combine knowledge of bankruptcy laws with practical experience to help our business clients minimize their losses while maximizing their chances of continuing operations.
The team at Wronko & Loewen is ready to help you navigate whichever kind of bankruptcy you need. Our attorneys can evaluate your situation, clearly explain your options, and help you pursue the path that provides the greatest amount of relief and protection so you can have a more secure financial future.
It’s true that bankruptcy can offer a fresh start for some. With that said, the process can also come with its own set of hurdles. Knowing the challenges you could face ahead of time can help you plan ahead to avoid surprises and help you make smarter choices. Some of the most common issues in bankruptcy cases include:
With guidance from Wronko & Loewen, you can identify all potential issues and proactively address them. Our experienced team helps you navigate your bankruptcy case with confidence, making sure you understand each step and empowering you to move toward the fresh financial start you deserve.
When it comes to bankruptcy, hiring a lawyer who understands the local courts and legal environment can make a real difference. At Wronko & Loewen, we bring years of experience representing clients in Somerset. That means we regularly appear at the Somerset County Courthouse, the Middlesex County Courthouse, and the Union County Courthouse.
We understand how each court handles filings, hearings, and trustee interactions, which lets us anticipate issues ahead of time. By working with us, you gain a team that can make sure your case moves smoothly through the system and that you receive the personalized guidance you need.
Yes, filing for bankruptcy can affect your professional licenses, as some professional licenses require that you disclose if you’ve filed for bankruptcy. While most states protect licensees from automatic revocation just because of a bankruptcy, some boards might still request additional documentation or even financial counseling. Our Somerville bankruptcy attorneys can help you protect your professional standing by minimizing disruptions to your career.
Yes, filing for bankruptcy generally stops creditor harassment. When you file for bankruptcy, the court issues an automatic stay that immediately stops most collection attempts. This means creditor phone calls, wage garnishments, foreclosure proceedings, and even pending claims need to stop while your case is active. While some rare exceptions exist, filing for bankruptcy provides immediate relief for most people during the process.
The length of time really depends on the form of bankruptcy you filed. Chapter 7 bankruptcies typically stay on your credit report for up to 10 years from the filing date, while Chapter 13 bankruptcies stay for up to 7 years. Although this can initially impact your credit score, many people begin rebuilding credit much sooner by responsibly managing their finances after their debts have been discharged.
Bankruptcy discharges your personal liability on certain debts. However, co-signers on loans could remain responsible for payments. Our Somerville bankruptcy attorneys can evaluate all your agreements and communicate with your co-signers. Our attorneys develop strategies that minimize any potential harm to your co-signers while also addressing your debt. That way, we can resolve your bankruptcy cases in a way that protects everyone involved.
If debt is weighing you down, you need legal help. At Wronko & Loewen, we guide clients through every stage of the bankruptcy process, from evaluating their options to representing them in court and negotiating with creditors. Our experienced team is committed to handling your bankruptcy cases with care, focus, and attention to detail so you can regain control of your situation. Contact us today to schedule a consultation.
As a firm, Wronko & Loewen are committed to providing quality service based on extensive experience in New Jersey’s legal system.
call us today(908) 704-9200
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