Newark Consumer Law Firm
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We help individuals, families, and small business owners with life's everyday problems.

newark bankruptcy attorney

Nobody wants to file for bankruptcy. This is partly because of the rampant misinformation and negative stereotypes that surround this form of debt relief. At Dublin Packard, Attorneys at Law, we work tirelessly to dispel harmful myths and give our clients the truth. We show them that bankruptcy is a solution to years of financial struggle, and we help them take full advantage of this powerful option.

We also provide foreclosure and debt collection defense services, using options like loan modifications to improve your financial circumstances and help you keep your home and other property. In short, we are here to guide you through your debt-relief process from beginning to end, treating you with the respect and dignity you deserve.


Bankruptcy is a legal process in which an individual, married couple, or business obtains court-ordered relief from some or all of their debts.

At Dublin Packard, Attorneys at Law, we help clients file:

  • Chapter 7 bankruptcy. As the fastest and simplest form of bankruptcy, Chapter 7 typically allows filers to obtain a debt discharge within six months. If you can protect all your property from liquidation (which is the case for most people who file Chapter 7), you can receive this discharge without losing anything you own.
  • Each chapter has its own set of advantages, disadvantages, and requirements, which is why our attorney will take as much time as necessary to help you assess your options and determine which chapter might be right for you.

  • Chapter 11 bankruptcy. Generally designed for businesses, Chapter 11 is the most complex form of bankruptcy. If all goes according to plan, your business should be able to reorganize its debt, restructure operations, and potentially reduce debt—all without going out of business. Subchapter V is a new option specifically for small businesses.

Chapter 13 bankruptcy. Individuals typically file Chapter 13 if they have a steady income and more assets than they could protect from the Chapter 7 liquidation process. Under Chapter 13, you will make monthly payments to the trustee for 3-5 years, and then the court will discharge any remaining debts.


Whether or not we help you file bankruptcy, we can also assist you with all other debt-related matters. Founded in 2009, our law firm has helped individuals, families, and businesses overcome severe financial hardship by developing high-powered legal strategies from scratch.

In addition to bankruptcy, we can also help you with the following:

  • Loan modifications. Many people mistakenly believe their loans are unchangeable. If they can no longer make the payments, the only thing they can do is wait for the lender to take legal action and seize the collateral. However, our attorney may be able to help you modify your loan, which could result in a lower interest rate, an extension of terms, and more.
  • Foreclosure. There are many different ways to fight a foreclosure, but your time is severely limited. The sooner you get in touch with us, the sooner we can negotiate with your lender, file bankruptcy, modify your mortgage, stop a sheriff sale, or employ any other foreclosure defense strategy that may help you keep your home.
  • Debt collection. Paying your debt is not the only way to stop a creditor or collection agency from harassing you, taking you to court, or seizing your property. Our attorney has an arsenal of tools he may use to free you from phone calls, lawsuits, wage garnishment, and more. Whether we prove that the debt collector has violated your rights, is attempting to collect a debt that you are not legally obligated to pay, or is employing debt collection tactics that are otherwise invalid, you can trust us to fight for the best possible outcome on your behalf.

Dublin Packard, Attorneys at Law 

Your Future Is Our Business 
  • Discharge Debts & Fix Your Credit
  • Flexible Payment Options
  • Virtual Options & Phone Capabilities
  • Always Work Directly with an Attorney

Comprehensive Services

After decades of focused practice in this field of law, our attorney is fully equipped to help you achieve financial freedom in as little time as possible. We are here to support and guide you back to financial freedom.

Complimentary Consultations

Tell us about your situation and we'll tell you about your options.

What You Can Expect from Us

Attorney Todd Murphy has 20+ years of experience helping hundreds of clients overcome all kinds of financial crises. As such, you can expect to receive counsel and representation that is highly effective and well-supported by in-depth knowledge.

Additionally, you can expect to receive a warm welcome from our law firm. We know you are likely experiencing a great deal of stress—you might have recently lost your job, been through a divorce, or suffered a medical emergency. No matter the case, we want to take the weight off your shoulders and help you feel as supported as possible. We are ready at a moment’s notice to answer your questions, provide updates regarding your case, and address your concerns and worries about the future.

You have struggled enough. Let us make your next steps as easy as possible.

Put our experience to work for your future by calling (862) 305-4901 or contacting us online today. We can begin with a complimentary case evaluation.

  • American Bar Association
  • Association of the Federal Bar of New Jersey
  • National Association of Conumer Advocates
  • National Association of Consumer Bankruptyc Attorneys

Let Us Guide You

At Dublin Packard, we are committed to helping you succeed. 

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