Business Details
Your Trusted Bankruptcy Lawyers in New Jersey
Raymond & Raymond is a dedicated bankruptcy law firm serving clients in New Jersey. With nearly 40 years of combined legal experience, our team of attorneys specializes in providing accessible and effective solutions for individuals facing financial hardship. We focus exclusively on bankruptcy law, offering expertise in Chapter 7, Chapter 13, and loan modification services. Our commitment to affordability is reflected in low fees, payment plans, and free initial consultations. Clients work directly with experienced attorneys throughout their cases, ensuring personalized legal representation without reliance on paralegals. We prioritize transparency, offering clear fee structures and upfront cost discussions.Our practice emphasizes direct client communication, evening and weekend appointments, and tailored strategies to help clients achieve financial stability. For over two decades, we have built a reputation for combining cost-effective services with high-quality legal advocacy. Our offices in East Orange and Elizabeth provide convenient access to residents across Essex and Union Counties. We regularly stay at the forefront of legal developments to deliver informed counsel on evolving bankruptcy regulations. Our mission remains centered on earning client trust through dedicated service and measurable results.
Services
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Loan Modification
Free Consultation
Debt Relief Solutions
Highlights and features
- We offer free 1-hour consultations for all new clients.
- Our fees are below industry averages for bankruptcy filings.
- Clients work directly with experienced attorneys throughout their cases.
- We provide evening and weekend appointment availability.
- Payment plans are available for all services.
Services
Chapter 7 Bankruptcy
Chapter 7 bankruptcy provides a swift solution for eliminating unsecured debts like medical bills and credit card balances. This process typically takes four months to complete when no assets are involved. Clients receive immediate protection from creditor harassment through an automatic stay upon filing.
Chapter 13 Bankruptcy
Chapter 13 allows debtors to create structured repayment plans for secured debts while retaining valuable assets. This option enables clients to catch up on mortgage arrears over three to five years. Our firm offers no upfront fees for most Chapter 13 cases.
Loan Modification
Loan modification services help homeowners restructure mortgage terms to prevent foreclosure. We work with lenders to negotiate more affordable payment plans tailored to individual financial circumstances. This service can be combined with bankruptcy filings for comprehensive debt solutions.
Free Consultation
We provide complimentary 1-hour consultations to assess clients' financial situations and explore available options. This session includes personalized guidance on bankruptcy eligibility and debt relief strategies. Consultations are available in-person or by telephone.
Debt Relief Solutions
Our firm offers customized debt relief strategies combining bankruptcy and non-bankruptcy options. Services include creditor negotiation, payment plan development, and asset protection planning. We focus on delivering practical solutions for long-term financial stability.
People
Herbert B. Raymond
Attorney at Law
With extensive experience in bankruptcy law, Herbert B. Raymond provides dedicated legal counsel to clients seeking financial relief. He focuses on delivering personalized solutions through Chapter 7 and Chapter 13 bankruptcy proceedings.
Jeffrey Raymond
Attorney at Law
Jeffrey Raymond specializes in debt restructuring and bankruptcy filings, offering strategic guidance to individuals facing financial challenges. He works directly with clients to develop effective paths toward debt resolution.
Kevin De Lyon
Attorney at Law
Kevin De Lyon brings specialized expertise in mortgage modification and creditor negotiation. He assists clients in preserving assets while navigating complex debt situations through tailored legal strategies.
Questions
What types of bankruptcy do you handle?
We specialize in Chapter 7 and Chapter 13 bankruptcy filings, providing expert guidance for debt elimination and repayment plans.
Are payment plans available for legal fees?
Yes, we offer flexible payment plans and no upfront fees for most Chapter 13 cases to ensure accessible legal representation.
Do you offer free initial consultations?
We provide complimentary 1-hour consultations in-person or by phone to discuss your financial situation and available options.
Can I keep my home during bankruptcy?
Chapter 13 bankruptcy often allows clients to retain their homes by restructuring mortgage payments through court-approved repayment plans.
How long does a Chapter 7 bankruptcy take?
Chapter 7 cases typically complete in about four months when no assets require liquidation, providing quick debt relief for qualifying individuals.
