If you’re overwhelmed by debt, facing foreclosure, or getting calls from collectors, bankruptcy may be the most effective way to reset. At Consumer Law Attorney, we help Passaic residents file for Chapter 7 and Chapter 13 bankruptcy to eliminate debt and stop creditor action — with affordable flat fees and personal guidance.
Chapter 7 Bankruptcy:
Discharge most unsecured debts — including credit cards, medical bills, and personal loans — in as little as 90 days.
Chapter 13 Bankruptcy
Set up an affordable repayment plan to catch up on mortgage or car loans and protect your property.
Foreclosure Defense
Filing bankruptcy stops foreclosures, garnishments, repossessions, and lawsuits — instantly.
Creditor Harassment Protection
End harassing phone calls, threats, and court actions with the automatic stay.
We’ve helped individuals and families across Passaic — from Downtown to Presidential Boulevard — regain financial control through bankruptcy. Our attorneys understand local court systems and make the process smooth and stress-free.
Key Benefits:
✅ Behind on credit cards, loans, or medical bills
✅ Facing home foreclosure or car repossession
✅ Being sued by creditors
✅ Dealing with wage garnishments
✅ Receiving threatening collection calls
Bankruptcy Steps: