Business Details
31 Years
experience
Emergency
services
Your Trusted Bankruptcy & Foreclosure Defense Law Firm in Somerville, NJ
The Law Offices Of Kirsten B Ennis has provided dedicated legal representation to individuals facing financial challenges since 1995. Specializing in consumer bankruptcy law, mortgage modification, and foreclosure defense, our firm prioritizes client education and tailored solutions. With over two decades of experience, we guide clients through complex legal processes while maintaining a commitment to ethical practice and community service. Our team combines technical expertise with personalized attention to protect clients' rights and assets.We actively engage in advocacy under the Fair Debt Collection Practices Act, holding debt collectors accountable for violations. Our practice extends across New Jersey, offering strategic legal counsel to homeowners and individuals seeking financial relief. Through innovative approaches like credit repair programs, we help clients rebuild their financial futures after bankruptcy. Our attorneys maintain active memberships in legal associations while continuously adapting to evolving laws affecting debtors' rights.
Services
Bankruptcy Law
Mortgage Modification
Foreclosure Defense
Credit Repair
Debt Collection Defense
Details
- Year established: 1995
Highlights and features
- We offer 25+ years of specialized experience in consumer bankruptcy law
- Our attorneys have successfully litigated thousands of bankruptcy cases
- We provide personalized debt relief strategies tailored to individual circumstances
- Our team includes specialists in real estate law and mortgage modifications
- We guarantee results through our exclusive credit repair program for bankruptcy clients
Services
Bankruptcy Law
Our bankruptcy practice helps individuals eliminate or restructure debts through Chapter 7 and Chapter 13 proceedings. We protect clients' assets while stopping creditor harassment and wage garnishments. Our attorneys guide clients through the complete bankruptcy process from initial consultation to discharge.
Mortgage Modification
We negotiate with lenders to modify mortgage terms through interest rate reductions, principal adjustments, and late fee waivers. Our legal representation increases success rates for obtaining affordable payment plans and preventing home foreclosures through court-approved modifications.
Foreclosure Defense
Our firm files legal responses to foreclosure complaints and pursues loan modifications to stop sheriff's sales. We represent homeowners at all stages of foreclosure proceedings, including emergency bankruptcy filings to halt property auctions and negotiate debt settlements.
Credit Repair
We offer a specialized credit repair program guaranteeing 720+ credit scores within 24 months. This includes strategic credit rebuilding techniques and dispute resolution for bankruptcy clients. Our proprietary program combines legal expertise with financial counseling for accelerated credit recovery.
Debt Collection Defense
We represent clients against illegal debt collection practices under the Fair Debt Collection Practices Act. Our attorneys file lawsuits against violators to recover statutory damages and stop harassing collection activities through legal injunctions and settlements.
People
Kirsten B. Ennis
Founding Attorney
New Jersey attorney specializing in bankruptcy and foreclosure defense with 25+ years of experience. Holds Juris Doctorate from Nova-Southwestern University and Master of Tax Law from University of Miami. Admitted to New Jersey and Florida bars.
David J. Knapp
Real Estate Attorney
Real estate law specialist with 30+ years of experience handling property transactions and short sales. Juris Doctorate from Widener University School of Law. Licensed in New Jersey and Pennsylvania. Focuses on mortgage negotiation and property dispute resolution.
Questions
What bankruptcy options are available in New Jersey?
We handle Chapter 7 liquidation and Chapter 13 repayment plans. Our attorneys will analyze your financial situation to determine which option best protects your assets while providing debt relief.
How can mortgage modification prevent foreclosure?
Mortgage modification changes loan terms through interest rate reductions, principal adjustments, or payment extensions. Our legal representation increases approval chances and creates sustainable payment plans to avoid home loss.
What immediate actions stop creditor harassment?
Filing bankruptcy automatically stops collection calls, lawsuits, and wage garnishments. Our firm provides immediate protection through the automatic stay provision upon case filing.
How quickly can credit recover after bankruptcy?
With our credit repair program, clients typically achieve 720+ scores within 12-24 months post-discharge through strategic credit rebuilding techniques and financial counseling.
What are the benefits of attorney-represented loan modifications?
Banks prioritize attorney communications and offer better terms when represented by experienced legal counsel. Our track record demonstrates higher success rates in obtaining favorable modification agreements.
Can foreclosure be stopped after sheriff's sale notice?
Yes, bankruptcy filing can halt foreclosure up to the sale date. We also request statutory adjournments to create additional time for negotiating loan modifications or alternative solutions.
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