Newark Consumer Law Firm

Chapter 7 Bankruptcy – the Total Discharge.

Call Todd Murphy Today! (862) 305-4901.

We are here to take your call at convenient days and time:
Mon. – Thurs. 9:00am to 8:00pm
Fri. 9:00am to 5:00pm
Saturdays 9:00 to 3:00pm

Is Chapter 7 Bankruptcy Right for You?

Lawyer talking to the client

Are you suffering from unmanageable credit card debt, medical bills, motor vehicle surcharges, loans, and certain tax debts? Chapter 7 bankruptcy may be appropriate for you.

If you are seeking to eliminate burdensome debt, stop collections, garnishments, harassment calls, repossessions, liens, attachments, or account freezes, contact our experienced Chapter 7, bankruptcy lawyers. Get started on a better tomorrow today! Start over debt-free. Everyone deserves a second chance!

Do not waste time and resources on debt reduction services.

Many people using profit and nonprofit reduction or counseling services spend years on service fees and still have to file for bankruptcy. Do not invest your time and resources in a futile endeavor. File for bankruptcy now and save time and money.

Chapter 7 Bankruptcy Is An Important Decision.


Filing for personal bankruptcy is an important life decision. Whether your goal is credit card liquidation, to eliminate all of your debt, or save your home from foreclosure, an experienced bankruptcy lawyer at Todd Murphy Law can assist you.

Chapter 7 bankruptcy may be right for you if:

  • You do not have a significant amount of equity in your home
  • You have unmanageable credit card debt
  • You cannot pay your medical bills
  • You do not have valuable assets that you are seeking to protect
  • Your driving privileges have been revoked based on your failure to pay motor vehicle surcharges
  • You cannot pay back personal loans

Todd Murphy

You must pass a “means test” to file for Chapter 7 bankruptcy. You may be able to pass this income test and file for Chapter 7 bankruptcy even if you own a home. If you are a homeowner without a significant amount of equity, you may still be able to file for Chapter 7 debt liquidation.

If you have over a certain amount of equity in your home or in your assets, you may have to file Chapter 13 bankruptcy. We can help you determine which option is best for you.

We Make Chapter 7 Bankruptcy Fast and Easy

Do not be intimidated by bankruptcy. Our law firm can provide you with the bankruptcy information YOU need to make the right decision. If you feel the burden of financial stress, you can relieve yourself of debt and get on with your life.

Do not wait to contact us regarding this important financial matter.

Call (862) 305-4901 to find out more and to schedule a free consultation.

Convenient Hours:
Mon. – Thurs. 9:00am to 8:00pm
Fri. 9:00am – 5:00pm
Saturday 9:00am – 3:00pm