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Personal Bankruptcy

Goodbye creditors, hello fresh start

A personal bankruptcy is often a last resort. But for a last resort, bankruptcy can be a game changer, giving people the chance to start over and succeed.

In a personal bankruptcy, filing for chapters 7 or 13 are most common. Filing for chapter 7 may be perfect for individuals with exempt assets and burdensome debt. Likewise, filing for chapter 13 may be the best roadmap option for an individual with significant debt, while still preserving assets.

Goals can be:

  • A clean slate and the chance to rebuild your financial landscape.
  • Restructuring your financial landscape without losing your assets.


Novak Juhase & Stern is committed to answering your questions about civil litigation, white-collar crime, real estate, Medicaid fraud, corporate law, arbitration, Beth Din, corporate bankruptcy, personal bankruptcy, creditor's rights, foreclosure defense, and business law issues in New York and New Jersey.

We offer a free consultation and we’ll gladly discuss your case with you at your convenience. Contact us today to schedule an appointment.