Business Details
At Lavery & Sirkis, we have dedicated over 35 years to providing compassionate, ethical, and experienced legal guidance in New Jersey. Our firm specializes exclusively in consumer debt relief, helping clients navigate the complexities of Chapter 7 and Chapter 13 bankruptcy. Attorney Joan Sirkis Warren brings decades of expertise to each case, ensuring personalized attention and cost-sensitive representation tailored to your unique financial situation. We understand the stress of creditor harassment, foreclosure threats, and overwhelming debt, and we are committed to helping you regain control of your financial future. With a focus on transparency and respect, we treat every client as an individual, not just a case number.
Our team, including our skilled office manager and paralegal, ensures your case receives the care and attention it deserves. Whether you need to stop wage garnishment, halt foreclosure, or discharge unsecured debts, we provide clear, actionable solutions. We offer free consultations and flexible payment plans to make legal support accessible. Trust Lavery & Sirkis to guide you through bankruptcy with integrity, expertise, and unwavering support. Our goal is to help you achieve a fresh start and lasting financial peace of mind.
Our team, including our skilled office manager and paralegal, ensures your case receives the care and attention it deserves. Whether you need to stop wage garnishment, halt foreclosure, or discharge unsecured debts, we provide clear, actionable solutions. We offer free consultations and flexible payment plans to make legal support accessible. Trust Lavery & Sirkis to guide you through bankruptcy with integrity, expertise, and unwavering support. Our goal is to help you achieve a fresh start and lasting financial peace of mind.
Services
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Debt Relief
Foreclosure Prevention
Creditor Harassment Stop
Tax Debt Discharge
Wage Garnishment Stop
Automatic Stay
Free Consultations
Payment Plans
Highlights and features
- We have over 35 years of bankruptcy experience.
- We offer free consultations and flexible payment plans.
- Our team provides personalized, one-on-one service.
- We specialize exclusively in consumer debt relief.
- We stop creditor harassment and foreclosure actions.
Services
Chapter 7 Bankruptcy
Chapter 7 bankruptcy halts creditor actions immediately upon filing, stopping foreclosures, wage garnishments, and harassment. It erases unsecured debts like medical bills and credit card balances, offering a fresh financial start. Most clients keep their assets thanks to federal and state exemptions, making it a powerful tool for lasting debt relief.
Chapter 13 Bankruptcy
Chapter 13 bankruptcy allows you to retain your home and other assets while repaying debts over a structured plan. An automatic stay stops creditor contact, foreclosures, and repossessions upon filing. This option is ideal for those with regular income who need to catch up on missed payments.
Foreclosure Prevention
We help clients stop home foreclosure through bankruptcy filings, which trigger an automatic stay. This legal action halts all collection efforts, giving you time to reorganize your finances. Our experience ensures you explore every option to keep your home.
Creditor Harassment Stop
Filing for bankruptcy immediately stops creditor calls, letters, and legal actions against you. The automatic stay provides legal protection from wage garnishment and other aggressive collection tactics. We ensure you regain peace of mind by putting an end to harassment.
Tax Debt Discharge
In certain cases, we can discharge income tax debts owed to the IRS or New Jersey state through bankruptcy. This process requires careful evaluation of your tax liability and filing status. Our expertise helps determine eligibility and maximizes your debt relief options.
