You are entitled to a Fresh Start.As a New Jersey lawyer for over 31 years, I have helped many people get a fresh start with a Chapter 7 Bankruptcy or an affordable partial payment plan in Chapter 13. I am certified by the federal government as Debt Relief Agency. I help individuals, married couples and small business file Bankruptcy. There is no charge to speak with me directly by phone. You can also schedule a free office consultation.Call (856) 848-4477 you have legal rights.This site is about debt relief, Chapter 7 Liquidation Bankruptcy, and Chapter 13 Wage Earner Bankruptcy.