Uniquely packaged forms and information for Chapter 7 or 13 bankruptcies, including detailed instructions and other resources. Click and view the Free Preview for the latest revision dates and a complete overview of contents.
New Jersey Bankruptcy Guide and Forms Package for Chapters 7 or 13
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FAQ
Chapter 7 bankruptcy is designed to relieve you of unsecured debts, such as medical expenses. There is no rule that requires you to use a lawyer to file a petition. You can do the filing yourself, which is called pro se, but we recommend that you do your research first.
B 101 Voluntary Petition for Individuals Filing for Bankruptcy. B 101A Initial Statement About an Eviction Judgment Against You (only if you have eviction judgment against you)
Chapter 13 to Chapter 7. If you received a Chapter 13 discharge and you'd like to receive a Chapter 7 discharge, you'll have to wait six years between filing dates. But there is an exception to this rule. The six-year rule won't apply if, in the previous Chapter 13, you paid back: all of your unsecured debts, or.
In general, attorney fees for a Chapter 7 bankruptcy range from $1,000 to $3,500 depending on the complexity of the case. Larger firms with more advertising and overhead costs sometimes charge more than a solo practitioner, but not always.
Because a chapter 7 discharge is subject to many exceptions, debtors should consult competent legal counsel before filing to discuss the scope of the discharge. Generally, excluding cases that are dismissed or converted, individual debtors receive a discharge in more than 99 percent of chapter 7 cases.
Six months of paycheck stubs. six months of bank statements. tax returns (the last two years) current investment and retirement statements. current mortgage and car loan statements. home and car valuations (printouts from online sources work)
The court filing fee for anyone filing Chapter 7 in New Jersey is $335. It has to be paid in full while you are at the courthouse filing your case. It's important to bring this fee with you in the form of a money order or certified check, as the bankruptcy court does not allow you to pay this fee by card or even cash.
There is no threshold amount that you need to reach to file a bankruptcy. Some chapters of bankruptcy have debt limits, but there is no such thing as a debt minimum. That being said, you certainly can and should evaluate if filing a bankruptcy makes sense in your current situation.
Advise you on whether to file a bankruptcy petition. Advise you under which chapter to file. Advise you on whether your debts can be discharged. Advise you on whether or not you will be able to keep your home, car, or other property after you file. Advise you of the tax consequences of filing.