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45 River Road, East Brunswick, New Jersey 08816
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The law firm is open seven days a week, 24 hours a day
732-257-0708 732-257-0708

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.

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.