Chapter 13 Bankruptcy Attorney in New Jersey

A Second Chance Through Structured Debt Repayment

If you are behind on your mortgage, facing foreclosure, or struggling with overwhelming debt but may not qualify for Chapter 7 Bankruptcy, Chapter 13 bankruptcy may give you the opportunity to catch up and protect your assets. At the Law Offices of Carlos D. Martinez, we help clients throughout New Jersey file for Chapter 13 and build realistic repayment plans that lead to lasting relief.

Take the first step toward stability. Schedule your free consultation today.

What is Chapter 13 Bankruptcy?

Chapter 13 bankruptcy is a legal option that allows individuals to reorganize their debt and repay it over a period of three to five years.
Unlike Chapter 7, which wipes out most debts quickly, Chapter 13 helps you catch up on missed mortgage or car payments while keeping your property. This is often the best option for people who earn regular income but have fallen behind financially.

Chapter 7 eliminates most unsecured debts and is ideal for individuals with little income and few assets.
Chapter 13 creates a repayment plan based on your income or value in assets, and lets you keep your property while catching up on overdue payments.

If you are unsure which is right for you, we will evaluate your situation and guide you to the best solution.

OUR CHAPTER 13 SERVICES

  • Full eligibility review.
  • Preparation and filing of the bankruptcy petition.
  • Creation of court-approved repayment plan.
  • Representation at hearings and meetings.
  • Ongoing case monitoring and compliance support.

SIGNS YOU MAY NEED TO CONSIDER CHAPTER 13

  • You are behind on your mortgage and want to avoid foreclosure.
  • You have a regular income but cannot keep up with minimum payments.
  • You are at risk of losing your car or other valuable assets.
  • You have tax debt or other debts that cannot be discharged in Chapter 7.
  • You want to consolidate debt into one manageable monthly payment.

If any of these situations feel familiar, Chapter 13 bankruptcy may be a solution worth exploring.

HOW WE HELP

Personalized Legal Support to Protect What Matters Most

From your first consultation to your final discharge, we’re by your side with experienced guidance, honest advice, and a clear action plan. Whether you’re filing under Chapter 7 or Chapter 13, we simplify the process and help you protect your assets, eliminate debt, and take back control of your financial future.

STEP 1

Clear Assessment of Your Situation

We evaluate your debts, assets, income, and goals to determine if Chapter 13 is your best path forward.

STEP 2

Create a Repayment Plan

We design a customized repayment plan based on your income and expenses, allowing you to catch up on secured debts and manage unsecured debts over 3–5 years.

STEP 3

File the Chapter 13 Petition

We prepare and file your Chapter 13 petition, which immediately stops foreclosure, wage garnishments, and creditor harassment through the automatic stay.

STEP 4

Plan Confirmation & Ongoing Support

We represent you at the plan confirmation hearing and provide ongoing support to ensure your Chapter 13 case stays on track until discharge.

WHY CHOOSE THE LAW OFFICES OF CARLOS D. MARTINEZ

Why Clients Across New Jersey Choose Us

CHAPTER 13 ATTORNEY IN NEW JERSEY

We understand local courts and trustees and create plans that get approved.

RESPECTFUL, JUDGMENT-FREE SERVICE

We meet you where you are, with no pressure and no blame. We understand the emotional toll that financial struggles can take.

STRATEGIC LEGAL GUIDANCE

We don’t just file — we think ahead and position you for success through and after the bankruptcy.

NOT JUST PAPERWORK

We are here to help you save your home, keep your vehicle, and regain financial control.

NOT JUST PAPERWORK

We are here to help you save your home, keep your vehicle, and regain financial control.

STRATEGIC LEGAL GUIDANCE

We don’t just file — we think ahead and position you for success through and after the bankruptcy.

RESPECTFUL, JUDGMENT-FREE SERVICE

We meet you where you are, with no pressure and no blame. We understand the emotional toll that financial struggles can take.

CHAPTER 13 ATTORNEY IN NEW JERSEY

We understand local courts and trustees and create plans that get approved.

FAQs About Chapter 13 Bankruptcy

Chapter 13 allows you to repay all or part of your debts through a court-supervised plan over three to five years. You make one monthly payment to a trustee who distributes it to creditors.

Most unsecured debts are either reduced or eliminated after your repayment plan is completed. Secured debts, like mortgages or car loans, can be brought current during the plan.

You start by meeting with a bankruptcy attorney to review your finances. We prepare and file your petition and repayment plan, attend hearings on your behalf, and communicate with the court throughout your case.

Chapter 11 is primarily used by businesses and high-debt individuals and involves more complex reorganization. Chapter 13 is simpler, faster, and designed for individuals with regular income.

The court filing fee is currently $313. Attorney fees vary based on case complexity, but many are paid over time through your repayment plan. We will explain all costs up front during your consultation.

Yes. Chapter 13 is designed to help you catch up on missed payments and keep your property, as long as you stay current during the repayment plan.

Let’s Talk

Take Back Control of Your Finances

Chapter 13 bankruptcy is not failure, it is a legal tool to reorganize your life, protect what you have, and move forward with confidence. We are here to help you get there. Call us now (908) 589-4036 or schedule your free consultation today with a New Jersey Chapter 13 attorney.