Life can have many ups and downs.  Sometimes people may experience hardships caused by a decrease in income, possible medical crisis, car accident or a divorce which may create financial strain on the individual or family.  Debt collectors try to collect money for their clients leaving debtors overwhelmed with a sense of guilt.  Having financial problems may create other problems.  It is important to know that there are options available to help pay down or discharge your debt.

Bankruptcy is not limited to those without any other options.  You do not need to have to be completely insolvent in order to file for bankruptcy.  We will be glad to explain the Bankruptcy process to you as well as explain alternatives to filing for bankruptcy, which may involve negotiating with creditors and working out a payment plan.

We have helped individuals file Chapter 7 and Chapter 13 bankruptcies.  Chapter 7 often called “Debt Discharge” allows for a fresh start and may allow you start your life free of debt.   Chapter 13 often called the “Reorganization of Debt” may involve the debtor repaying a portion of the debt over a period of time while retaining possession of their property.  Automatic Stay goes into effect after the petition has been filed.  Creditors will be prevented from taking action during the stay.

When doing your best is not enough, it may be time to speak with a bankruptcy attorney.   We understand that filing for bankruptcy can be a very emotional decision.  That is why we will be glad to sit down with you and go over your options.  Understanding the options available to you will help you decide how to deal with your financial situation.  Bankruptcy may stop wage garnishments, foreclosures and may help discharge debt and even allow you to keep your property.  Everyone deserves a fresh start.  Call The Law Office of Piotr Rapciewicz for a free consultation: 732-903-8008.


We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. We invite you to contact us and welcome your calls, letters and electronic mail. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established.