Bankruptcy | Lonardo & Jacovino Law Firm

Bankruptcy is a legal process where you can eliminate or repay some or all of your debts. It gives you a financial "fresh start", relieving you from the overwhelming stress of your debt burdens. Deciding to file bankruptcy can be a very difficult decision. In order to decide if bankruptcy is the right decision for you, ask yourself if you are able to pay off your existing debts in 3 years with the money you have available after paying your monthly living expenses. If the answer is no, then bankruptcy might be the right choice for you. If you have expendable income to make your monthly debt payments, then you might consider alternatives to bankruptcy such as debt settlement or repayment plans. Read More

Debt Settlement

It is possible to reduce your outstanding debts to a manageable level without filing bankruptcy with debt settlement. To learn more, please contact us to schedule a strategy session.

Chapter 7 Bankruptcy

When you want to wipe the slate clean, Chapter 7 Bankruptcy may be the right move. To learn more about the process and if it is right for you, <a href="/bankruptcy/chapter-7/">click here.</a>

Chapter 13 Bankruptcy

Making a decent wage but can't seem to get on top of your bills? Chapter 13 Bankruptcy might be right for you. To learn more about the process and if it is right for you, <a href="/bankruptcy/chapter-13/">click here.</a>

Testimonials

We were going through challenging times and we contacted their firm with a few query emails. We met up with them at their office. They were very helpful, informative and patient with our questions and concerns. Above all, they truly cared and showed compassion towards us and our situation. They advised us what to do on our own so we might save on their fees. One doesn’t get such service with too many attorneys out there.

Patrick, LJ Law Client

I hired Bonnie and Janice to assist me with my bankruptcy and I could not be happier. They were professional, honest, and very knowledgeable. Throughout the process I had numerous challenges/ questions and not only did they answer my questions, but they helped me through a very tumultuous time in my life. Indeed they know how to &quot;build relationships.&quot; I know that if I ever need legal help again I would definitely call on Bonnie and Janice at LJ Law. I am very thankful to both of them.

Karen, LJ Law Client