I have over 28 years of proven results representing both individuals and businesses in NJ Bankruptcy Law. I have worked on a multitude of cases ranging from Chapter 7 Bankruptcy Cases, Chapter 11 Bankruptcy Cases, Chapter 11 Subchapter V Cases, and Chapter 13 Bankruptcy Cases as well. I have a 100% success rate for all cases filed via Chapter 7 Bankruptcy.
My practice focuses entirely on bankruptcy. Bankruptcy is a very specialized field. 100% focus on this particular area of law allows me to provide clients with the best bankruptcy representation and attention to their needs. I devote my practice to bankruptcy and continually keep current with the challenges of bankruptcy and diverse situations that arise.
My practice focuses entirely on bankruptcy. Bankruptcy is a very specialized field. 100% focus on this particular area of law allows me to provide clients with the best bankruptcy representation and attention to their needs. I devote my practice to bankruptcy and continually keep current with the challenges of bankruptcy and diverse situations that arise.
Services
You can read About Ralph A. Ferro Jr, Esq. and NJ Bankruptcy Law Firm via our reviews, credentials, education, success rate as you look through our website. When clients first contact us, they are scared/frustrated/embarrassed/angry at themselves for getting into this financial situation. We get to know my client's unique financial situation.
We recommend you hire a Board Certified Bankruptcy Attorney, hiring a lawyer with expertise in any specialized field of law can be bewildering. However as a client, you want to be sure your lawyer is experienced in the bankruptcy field of law. Unfortunately, prospective clients usually have little objective criteria to rely upon.
Stop Foreclosure today, it can be upsetting and scary. You receive a complaint that your lender is seeking Court action to foreclose on your home. You need to know that you have an option to Stop the Foreclosure that enables you to keep your home. I will meet with you personally and determine if Ch. 13 is an option for you.
Chapter 7 Bankruptcy is a liquidation of a debtor's non-exempt assets (*see below for examples of exempt assets & non-dischargeable debts). Although called liquidation, frequently there are no assets to liquidate and you obtain approval to no longer pay any of your debts. If eligible, a person or business has a great opportunity to eliminate debts (both consumer and non-consumer) and move forward in a relatively short period of time (approx.
Chapter 11 is similar to Chapter 13 Bankruptcy since the Debtor creates a Plan of Reorganization ("Plan") and pays back creditors over a period of time. Through the Plan, not all your debts are paid back and there is a possibility that a small portion is paid to your unsecured creditors. This is all worked out through the filing of a Petition and a Plan.
Reviews (10)
Maria Wharton
Nov 17, 2021
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Nicholas Juliano
Oct 02, 2021
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Ralph is extremely knowledgeable in the bankruptcy field. He helped my wife and I through every single step of the process, from the very first
consultation to the final discharge. All phone calls, emails or text messages were quickly responded too and he made every effort to make sure we felt comfortable through what can be an overwhelming time in someone’s life. Ralph is highly recommended!!
consultation to the final discharge. All phone calls, emails or text messages were quickly responded too and he made every effort to make sure we felt comfortable through what can be an overwhelming time in someone’s life. Ralph is highly recommended!!
J. H.
Oct 01, 2021
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Even before I retained him Ralph took the time to understand my situation and gave me solid advice on how to proceed. After I hired him he was always quick to respond to any questions I had either via email or phone and provided top level professionalism throughout my case. I highly recommend him! Thank you for helping me through this!!!
K. K.
Aug 03, 2021
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I would certainly reccomend attorney Ralph Ferro to everyone.
In my chapter 13 case he showed that from very begining he is trully professional, very honest and reponsive man. very easy to get in tough with him either by email or phone.
I feel very lucky myself meeting mr. attorney Ferro
thanks to him I have saved my house and now after 5 years of my hard work and his great support my case is over.
overall If I would grade this attorney by 10 points out of 10.
Good Luck to everyone!
In my chapter 13 case he showed that from very begining he is trully professional, very honest and reponsive man. very easy to get in tough with him either by email or phone.
I feel very lucky myself meeting mr. attorney Ferro
thanks to him I have saved my house and now after 5 years of my hard work and his great support my case is over.
overall If I would grade this attorney by 10 points out of 10.
Good Luck to everyone!
Michele Leszczynski
Jul 18, 2021
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Ariel Then
Jun 16, 2021
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Massiel Rondon
Dec 22, 2020
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From the moment i called Mr.Ferro, he explained everything with details, and helped me feel confortable throughout the process, he made things much easier for me. He was always there to answer all my questions. I really appreciate all his hard work, time and dedication. He is extremely professional, honest, and has so much knowledge.
It was a pleasure having Mr. Ferro representing me as my attorney, i would highly recommend him for anyone seeking his services; And I wish i could give him more than 5 Stars.
It was a pleasure having Mr. Ferro representing me as my attorney, i would highly recommend him for anyone seeking his services; And I wish i could give him more than 5 Stars.
Celeste Belletti
Nov 12, 2020
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CELESTE B.
Ralph Ferro Esq. did some major legal work for me recently. I can't say enough about his diligence and persistent work ethic. Ralph made himself very available each time I called with questions. He always explained in very understandable ways the answers to my questions and put my mind at ease. The kind of care Mr. Ferro showed about my case was so unexpected because of all the nightmare stories one hears about lawyers. He should be the poster child for integrity and proper lawyering.
I can't thank him enough. I highly recommend his services. Too bad the business slogan is taken..
Ralph Ferro Esq. did some major legal work for me recently. I can't say enough about his diligence and persistent work ethic. Ralph made himself very available each time I called with questions. He always explained in very understandable ways the answers to my questions and put my mind at ease. The kind of care Mr. Ferro showed about my case was so unexpected because of all the nightmare stories one hears about lawyers. He should be the poster child for integrity and proper lawyering.
I can't thank him enough. I highly recommend his services. Too bad the business slogan is taken..
Greg Morino
Oct 14, 2020
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Ralph was amazing from the very first call I made to him. He took the time to answer all of my questions, offered professional advice, set a realistic timetable, was always readily available when I contacted him, and delivered on all of his promises. Ralph did a great job coaching me through every stage of the process and his help made the overall experience much easier than I anticipated. I did an extensive search prior to connecting with Ralph for representation and assistance with my Bankruptcy, because I had some negative previous experiences with attorney’s that wavered my trust in that
Leslie I.
Aug 24, 2020
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I highly recommend Ralph Ferro Jr. and his team! I visited there office at a very uncertain time in my life and they immediately put me at ease and reassured that I was in good hands. The process was seamless and any inquiries I had along the way were responded to immediately. My case occurred during the height of COVID and Ralph continued to keep me in the loop wit the process and upcoming hearings. In the end, the hearings were done over the phone and a discharge notice followed shortly thereafter. I am forever grateful to Ralph and his team for the fresh start I’ve been given and am ecstatic
