Helping You Take Control of Your Financial Future
You do not have live with the threat of foreclosure, repossession, and financial uncertainty. With the help of Kevin Aberant or Alan Ettenson of Taenzer, Ettenson & Aberant, p.c. you can take the first steps to get back on track with your finances.
Our firm helps people obtain debt relief through Chapter 7 and Chapter 13 bankruptcy filings. We give our clients financial breathing room and an opportunity to begin again. Filing bankruptcy stops foreclosure and gives people a second chance.
Our firm offers big firm experience with small firm service. We provide friendly, non-judgmental representation regardless of the life events that bring clients to us. We understand our clients are in distress and pride ourselves in reducing their stress and allowing them to make the right decisions. We can evaluate your problems and effectively devise a solution quickly and affordably. We work to create a trusting relationship with each and every client.
With the help of Taenzer, Ettenson & Aberant, p.c., you can take control of your finances and take the first steps toward a secure future for you and your family.
The Truth About Bankruptcy
Many people do not understand bankruptcy. For an individual, it is not complicated or costly. It is a legal process that enables a person to get out from under an unbearable debt burden and take control of their finances.
These are some of the biggest myths about bankruptcy:
Myth #1 – Because the bankruptcy laws have changed, filing for bankruptcy is no longer an option.
Not true. Bankruptcy is still available for most people. While the laws have changed, complete debt relief under Chapter 7 is still available for many people. If you don’t qualify for Chapter 7, you may still be able to reduce or remove your debts under Chapter 13.
Myth #2 – If I file for bankruptcy, I will lose everything I have.
Not true. In most cases, you can keep your house, your car, and most or all of your personal possessions. Filing bankruptcy can protect those assets while reducing or removing your debts from your shoulders. Taenzer, Ettenson & Aberant, p.c. can help you keep your home or car.
Myth #3 – After I file for bankruptcy, I will never be able to get credit again.
Not true. You can get credit. In fact, filing bankruptcy is the first step toward rebuilding your credit rating. In as little as 20 months from the time your debts are discharged, your credit rating can improve.
Myth #4 – Bankruptcy is an expensive and complicated process.
Not true. Taenzer, Ettenson & Aberant, p.c. makes filing bankruptcy easy. For a simple and convenient flat fee, we can file all necessary papers, and immediately stop foreclosure, repossession, and creditor harassment. We will take care of everything and keep you informed throughout the process.
Myth #5 – I have huge unpaid tax bills and I’ll never get out from underneath them.
Not true. Tax debt relief is possible with bankruptcy.
Myth #6 – Filing for bankruptcy puts you at the mercy of creditors.
Not true. Bankruptcy can actually increase your options by reducing or eliminating unsecured debts and allowing you take control and begin making orderly payments on your remaining debt. In some cases, you can actually choose which debts are discharged.
Many hard-working people run into financial difficulty through no fault of their own. A layoff, a divorce, or major medical problem can push you to your financial limit.
But you do not have to suffer financial hardship. With a Chapter 7 personal bankruptcy filing, you can get debt relief, more disposable income, and stop the threat of foreclosure or repossession.
The Benefits of Chapter 7
Taenzer, Ettenson & Aberant, p.c. can evaluate your situation. We may recommend a Chapter 7 filing or a Chapter 13 filing. Both options can lift your debt burden and give you a new financial life.
Chapter 7 personal bankruptcy is ideal for people without significant assets who have hit a bump in the road and want a fresh start. After a brief meeting with Kevin Aberant or Alan Ettenson at our firm, we may be able to file your case and immediately stop creditor harassment and calls from collection agencies.
With a Chapter 7 filing, you can say goodbye to:
- Credit card debt
- Certain IRS debt
- Tax bills more than 3 years old
- Garnishment and repossession
- And other unsecured debts and obligations
- Free up income that used to go toward interest and late fees
- Keep your house, car, and personal possessions if you are current in payments for them
- Begin rebuilding your credit rating
- Start a new financial life
Taenzer, Ettenson & Aberant, p.c. charges convenient flat fees. With the help of Taenzer, Ettenson & Aberant, P.C. in just a short period of time you may bay be able to eliminate unsecured debts and get tax debt relief, and be on the way to a more secure financial future.
For an initial consultation with Kevin Aberant or Alan Ettenson call (856) 235-1234 or contact us online. Our firm serves clients in Southern New Jersey.
Despite what you may have heard, the bankruptcy process is still available for those people who need to find their way out of debt.
If you are a wage earner with a regular income, you can eliminate some debts and reduce others by filing for Chapter 13 bankruptcy. You can pay back taxes, back child support and alimony, and a small amount on your remaining debt each month, without penalties or interest. After a few short years, you can emerge from the process with confidence and the expectation of better times ahead.
Protecting Your Home, Car, and Personal Property
A lawyer at our firm can discuss your options and whether a Chapter 13 bankruptcy is right for you. For some people, we recommend a Chapter 7 bankruptcy filing.
Whichever option you choose, as soon as we file for you, we can stop foreclosure actions, repossession actions, garnishment, and creditor harassment.
Under Chapter 13, you can keep your home, your car, and personal property. We may even be able to remove a second or third mortgage entirely. Your unsecured debts are reduced or eliminated. You will have a manageable monthly payment to repay a portion of your debts from your disposable income. A new financial future may be possible for you.
We Guide You Through the Process
At Taenzer, Ettenson & Aberant, p.c., our job is to guide our clients to a new and better life after bankruptcy. We take care of everything from filing papers in court, to negotiating with creditors to reduce your debt, to developing a repayment plan and getting it approved by the Court.
Debt Relief for Business Owners
If you are a small business owner who faces mounting business debt and cash flow problems, Taenzer, Ettenson & Aberant, p.c. may be able to help you.
We have enabled many individuals and business owners in the South Jersey area to obtain debt relief. Many of the business owners we have worked with have been able to keep their businesses. In these cases, we lifted their debts while protecting their personal property. In the end, our clients were able to gain financial breathing room and put their businesses on firm financial ground.
Chapter 7 Debt Relief for Businesses
We can discuss your financial situation and recommend the best option. For some small business owners, it may mean filing as an individual under Chapter 13. For others, it may mean a Chapter 7 filing.
As soon as we file, debt collection actions against you stop. Working with the court, we develop a plan designed to eliminate your debts. Debts such as back rent, personal loans, and debts to suppliers and vendors can be eliminated.
You May Be Able to Keep Your Business
Each business bankruptcy is different. In some cases, the Court will order a complete liquidation of the business. In other cases however, the business owner can retain control of the business or its assets. If you obtain business debt relief through Chapter 11, you can continue to operate your business.
Misconduct by a lender can damage your credit rating and cost you money in fees. If you find yourself in this situation, you are not helpless. Taenzer, Ettenson & Aberant, p.c. can take action to repair the damage and hold unscrupulous lenders responsible.
Our firm represents clients in bankruptcy litigation involving:
- Lender fraud or misrepresentation
- Misuse or misappropriation of escrow funds
- Failure to accurately account for payments