Contact Info
Rokicki Law Firm
3 Bridle Court
Mountain Lakes, NJ 07046


Free Consultation
Office: 973 - 671 - 8529
bolko@rokickilaw.com
43 Speedwell Ave, Floor 12
Morristown, NJ 07960
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Affordable Bankruptcy Attorney:
$900 Chapter 7 Legal Fee


Learn About Bankruptcy
Why File Bankruptcy?
Experienced Bankruptcy Attorney
Regain Financial Freedom
Filing Bankruptcy: What To Expect
Save Your Property: NJ Exemptions
Bankruptcy Do's and Don'ts
Questions? NJ Bankruptcy FAQ
NJ Bankruptcy Glossary

FDCPA Debt Defense
Bankruptcy Articles
Famous Bankruptcies





Chapter 7 Bankruptcy
The most common type of bankruptcy filing, a Chapter 7 bankruptcy is sometimes referred to as a "liquidation." In essence, the Debtor surrenders all of his non-exempt assets to the Bankruptcy Court in order to receive a discharge on his applicable debts.

Chapter 13 Bankruptcy
Unlike the straight discharge in a Chapter 7 Bankruptcy, a Chapter 13 bankruptcy entails the debtor maintaining a 3 or 5-year payment plan with the Bankruptcy Trustee to pay off a percentage of his debts. This type of bankruptcy can be useful to the debtor who does not qualify for a Chapter 7 bankruptcy or who wants to keep certain assets (such as a home) by paying them through the plan over the applicable time period.

Due to the complexity of bankruptcy law and the severe consequences of any mistakes made in your bankruptcy petition (potentially resulting in a denial of discharge or losing assets that could have been exempted), it is highly recommended that you retain an experienced New Jersey bankruptcy attorney to represent you in NJ Bankruptcy Court. For a free bankruptcy consultation, call the Rokicki Law Firm at 973 - 671 - 8529. Free yourself from debt today!