Below is some general information about the bankruptcy process. However, to get answers to your questions, and to determine whether bankruptcy is right for you, we strongly recommend that you schedule a free consultation with one of our attorneys at any of our convenient office locations.

In today's economy, more and more families are struggling to meet their monthly credit obligations and other financial needs. This has placed an enormous strain and stress on the daily lifestyle and emotional well-being of many honest and hardworking Americans.

If you are experiencing financial difficulties, you do not have to work through them alone. The attorneys at Hopkins & Schafkopf, LLC, can help you, at a price that works with your budget. We are a bankruptcy law firm with over fifty years of experience. We operate throughout New Jersey and Pennsylvania. We concentrate in individual consumer bankruptcy matters, including foreclosure defense and Chapter 7, 11, and 13 cases. We specialize in helping people through hard times.

Our clients are honest and hardworking Americans that come from all walks of life and never would have predicted that their financial instability would require the guidance of a bankruptcy lawyer. Facing bankruptcy is not something to be ashamed of, you are not alone, and when done right, it is often the best possible choice. We are here to make sure it does get done right.

If you have been covering shortfalls in your monthly bills using credit cards, loans, and lines of credit that are using up your available credit and/or the equity in your home, you may begin to wonder:

• What will happen when I begin to fall behind in my monthly credit payments and creditors demand payment?
• Will my employer be contacted?
• How about my credit references and friends and relatives listed on my credit application?
• Will I face a foreclosure action and lose my home?
• Will my car be repossessed?
• Can creditors seize my bank accounts or garnish my paycheck?

Most of our clients try their best to keep up with recurring credit payments, but once a creditor takes action, bankruptcy is often the best option.

After you hire us we act promptly on your behalf. Immediately upon the filing of a bankruptcy petition, your creditors are prohibited from taking any further action against you in most circumstances, and our attorneys will make sure they know it, even if a judgment has been entered against you and/or you are facing garnishments, they will be stopped.

Don't listen to creditor threats, collection agents earn commissions on money they collect for your creditors and, after you declare bankruptcy, they must cease all efforts or face legal action from our attorneys, who are more than happy to litigate on behalf of our loyal clients.

To receive a free consultation regarding your (or your friend or family member’s) debt problems, contact us today. The first step is often the hardest, but the sooner you get started the sooner your situation will improve and you can move forward in life and leave the past behind.