Practice area
Bankruptcy attorney in Woodbridge, NJ
Helping individuals and businesses with Chapter 7 and Chapter 13 bankruptcy since 1997. Find out whether bankruptcy is right for your financial situation.
Considering filing for bankruptcy?
Turn to the Law Office Steven J. Sico. We help individuals and businesses file for bankruptcy and gain peace of mind. We work directly with you toward a more stable financial situation, and we know how to correctly file for Chapter 7 and Chapter 13 bankruptcy.
Chapter 7
Often called liquidation bankruptcy. Non-exempt assets may be sold to pay creditors, and qualifying debts are discharged so you can start over.
Chapter 13
Lets you restructure your debts and repay them over time through a court-approved repayment plan, which can help you keep assets like your home.
What can bankruptcy do for you?
Bankruptcy helps individuals and businesses discharge debts for a fresh financial start. Filing starts an automatic stay that halts most creditor collection actions. Bankruptcy can help to:
- Prevent foreclosure
- Stop vehicle repossession
- End wage garnishment
- Stop debt collection harassment
- Restore terminated utility service
Debts that may not be discharged
We will help you understand which debts can be discharged under Chapter 7 and Chapter 13. Some debts generally cannot be discharged, including:
- Child support and alimony
- Debts not listed on the bankruptcy petition
- Loans obtained using false information
- Most student loans
- Other obligations the court decides are not dischargeable
Is bankruptcy right for you?
Bankruptcy can offer a fresh start, but it also has consequences, such as its effect on your credit. We will help you assess your financial situation and explore all available options before you decide. Call 732-636-2660 to schedule a bankruptcy consultation.
Free initial consultation
Talk to an attorney about your debt situation
Call 732-636-2660 or text 732-742-3131. Evening and weekend appointments are available by request.
Mon–Thu 9:00 am–6:00 pm
Fri 9:00 am–5:00 pm
235 Main Street, Woodbridge, NJ 07095
Related practice areas
Other ways we can help
Family law
Family matters, divorce, child custody and parenting time, and domestic violence, with your family’s future first.
Personal injury
Vehicle accidents, slip and falls, dog bites and wrongful death claims, handled on contingency.
Traffic matters
Help with traffic tickets and municipal court matters, from moving violations to license issues.
Real estate
Guidance through residential and commercial real estate transactions, from contract to closing.