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New Jersey Bankruptcy Law

Bankruptcy is about starting over

Filing for bankruptcy offers a second chance to those in financial trouble. Bankruptcy can relieve stress and provide the opportunity to rebuild your life and your finances, and strengthen your family.

Those who consider bankruptcy usually file

Most people who consider filing bankruptcy eventually go through with the process and file. At least 90 percent of the people who consider filing will file within 12 months.

Debt counseling

Some clients have already tried consumer debt counseling and have paid hundreds of dollars every month to a debt consolidation company, who in turn pays their debts for them. Statistics have shown that at least 75 percent of the time, that process fails and the person drops out of the debt management program, but only after they have paid out so much money to satisfy their debts that they eventually have to file for bankruptcy.

With Theodore Sliwinski, Esq., you can rest assured that your financial decisions are under control. Attorney Theodore Sliwinski, Esq. is located in central New Jersey, and has experience helping people decide if bankruptcy is right for them.  Mr. Sliwinski, Esq. sits down with you to discuss your financial situation and counsels you on the best course of action.

For more information on your bankruptcy matter, visit Mr. Sliwinski’s informative website:

New Jersey Bankruptcy Center

Credit card defense

Mr. Sliwinski explains the law involving credit cards and resulting debts, and answers your questions regarding credit card basics and wage garnishment:

  • Debt collection basics
  • Your rights under the Fair Debt Collection Practices Act
  • Recognizing debt collection abuse
  • The basics of defending creditor lawsuits
  • Common defenses to creditor lawsuits
  • Negotiating a settlement agreement in court
  • Vacating a default judgment
  • Frozen bank accounts
  • Wage garnishments
  • Junk debt alert
  • More credit card and collection information

Click here to learn more about your rights regarding credit card defense and debt collection.

Theodore Sliwinski, Esq.

Mr. Sliwinski, Esq. is an attorney who strongly believes that everyone deserves quality legal services at affordable rates. He is a New Jersey Bankruptcy lawyer. He represents debtors in the New Jersey Bankruptcy Court. He also helps people eliminate the stress of debt problems. He has handled over two thousand bankruptcy cases in his career. He has represented clients from all walks of life and backgrounds for more than twenty-nine years. No case is too big or too small for his firm.

Call now for your free initial consultation. At your first meeting he will give you a straight forward and honest assessment of your case. He will not “sugar coat” your financial situation at your first meeting. If your amount of debt is too low of an amount, then he will not advise you to file for a bankruptcy just to collect a legal fee. However, if your financial situation is dire enough, then he will advise you to either file a chapter 7 or a chapter 13 case. Alternatively, he may also advise you to explore pursuing a debt workout or a settlement with your creditors. Nonetheless, the first consultation for all bankruptcy clients is always free. Call now 24/7.

What makes Theodore Sliwinski, Esq. different?

How do you know where to turn for bankruptcy when there are armies of lawyers in the in the State of New Jersey? It is important to find a New Jersey lawyer who is experienced in the field of bankruptcy, and who also cares about your case. With so many lawyers and consumer counseling companies advertising that they can help you, how do you know who or where to turn to? At the Law Office of Theodore Sliwinski, Esq. he believes that filing for bankruptcy can be one of your best decisions that you make in your life. He believes that wiping out your debt involves much more than just filing your bankruptcy case. He sees you as a client and as a real human being and not as just a case number.

So what makes Theodore Sliwinski, Esq. different from the rest? Simply put he actually cares about your case. He loves his job and bankruptcy cases is a passion for him. He is a committed and experienced attorney who takes his responsibility seriously. He realizes that the results he achieves for his clients will have a lasting impact on their lives. Theodore Sliwinski, Esq. was also selected for inclusion in the prestigious Top Attorneys of North America, Who’s Who Directory. The accomplishments attained by Mr. Theodore Sliwinski, in the field of Legal Services, warranted inclusion into the Top Attorneys of North America. The Top Attorneys of North America, is a New York based publication, distinguishes and profiles leading attorneys who have reached a recognizable degree of
success and leadership in their field. The directory is valued for promoting awareness of the
accomplishments within the North American legal community.

At your first free initial consultation he will advise you of all of your legal options, whether it's bankruptcy or a credit card workout plan. Moreover, he also will thoroughly discuss the pros
and cons of filing as compared to reaching a credit card work out deal. He won’t rush you through his office like you are at a McDonald’s. He will carefully listen to you and he will take the time to understand your case. Bankruptcy is sometimes a difficult choice to make. Therefore, he takes great care in advising you of all your options. If your debt amount is too low of an amount then he will be honest with you and advise you to not to file. Don’t delay, call now 24/7 for your free initial consultation. You have nothing to lose!

We offer our clients:

  • A FREE INITIAL CONSULTATION with an attorney who has 29 years of experience in bankruptcy practice – not a paralegal.
  • FLEXIBLE PAYMENT PLANS designed to meet your specific case.
  • FREE COLLECTION LETTER REVIEW to determine whether a case exists to sue the debt collectors under The Fair Debt Collection Practices Act.
  • ACCESS TO YOUR ATTORNEY after your bankruptcy case is filed. He makes himself available to address your questions concerns.
  • ACCESS TO YOUR CASE after your bankruptcy case is filed you will always have access to your case files.
  • REASONABLE LEGAL FEES which are based on the complexity of your case and not a “one size fits all” approach to solving your debt problems.
  • COMPETENT COURT REPRESENTATION so you never walk into court unprepared or alone.
  • HIS COMMITMENT TO YOU is that he will work to do our best to make your path to a fresh start as easy and as accommodating as possible. Filing for bankruptcy is a major event in your life. He will help you achieve this goal and make the entire bankruptcy process less stressful for you.

Whether your bankruptcy case is a basic one and straight forward or extremely complicated,
you will receive the attention you need to solve your debt problems. Don’t wait until it it is to
late get your free initial consultation.

Your initial consultation is always free

Mr. Sliwinski, Esq. is interested in learning about your legal matters. Located in East Brunswick, the law office of Theodore Sliwinski, Esq. serves New Jersey residents in many legal capacities, and is available 24 hours a day, seven days a week, with options for home, hospital, and jail visits to those in need of an experienced lawyer. Call the law firm anytime at 732-257-0708 to schedule a free initial consultation or contact the firm online.