Personalized Legal Services from Straffi & Straffi Attorneys at Law

Selecting a skilled lawyer for your legal needs is crucial, especially when you seek a blend of professional expertise and a personal approach. Straffi & Straffi Attorneys at Law stands out by offering our clients a combination of compassion, diligence, honesty, and a friendly attitude. Based in Brick NJ and Toms River NJ, our approachable law firm specializes in providing services like divorce, debt relief, bankruptcy, and child visitation law.

Our commitment to personalized service is unwavering for every case we undertake. Led by the father-son duo of Daniel Straffi, Senior and Daniel Straffi, Junior, our law firm boasts a combined forty years of experience. As Straffi & Straffi Attorneys at Law, we have proudly served as a bankruptcy law firm in Central and Southern New Jersey for the past eight years.
Explore our areas of practice below:

Skilled Divorce Lawyers

Need an adept family law attorney for your divorce proceedings? Straffi & Straffi Attorneys at Law is your go-to firm. Our legal team is prepared to guide you through the divorce process, ensuring that our child custody lawyers offer timely support for your family.

Leading Bankruptcy Lawyers in NJ

For compassionate, diligent, and honest support in bankruptcy matters, look to Straffi & Straffi Attorneys at Law. We are dedicated to handling your bankruptcy cases with the highest level of care and respect, operating out of our convenient Toms River, NJ location.

Assistance with Loan Modifications

Concerned about foreclosure risks? The expert attorneys at Straffi & Straffi Attorneys at Law are here to assist with loan modifications and refinancing. Contact us for a no-charge consultation on loan modification options.

Trusted Bankruptcy and Family Law Advocates

Financial hardships can strike unexpectedly, despite careful planning. Bankruptcy, often coupled with divorce or other family legal matters, can significantly impact lives. Straffi & Straffi Attorneys at Law comprehends these challenges and offers essential legal support during such difficult times.

Dealing with both divorce and bankruptcy is stressful and challenging, yet not uncommon. Many families concurrently face these issues. Straffi & Straffi Attorneys at Law is equipped to provide extensive legal help in these situations.

In New Jersey, your marital status can affect how bankruptcy courts handle your case. Having a lawyer adept in both bankruptcy and family law is vital for protecting your rights and assets.

Straffi & Straffi Attorneys at Law offers a supportive and friendly environment to address your bankruptcy and family law needs. With the experienced father-son team of Daniel Straffi Sr. and Daniel Straffi Jr., our firm is ready to assist you in achieving your legal objectives and planning for your future.

For legal consultation, contact us today at (732) 341-3800.


Understanding Bankruptcy Options in New Jersey

Bankruptcy offers a fresh start for those overwhelmed by debt. Understanding the different types involved is key to making an informed decision. In New Jersey, consumers generally opt for either Chapter 7 or Chapter 13 bankruptcy. Straffi & Straffi Attorneys at Law is well-equipped to advise on the best course of action for your specific circumstances.

Chapter 7

Known as liquidation bankruptcy, Chapter 7 allows for the elimination of most unsecured debts like medical bills and credit card dues. It differs from Chapter 13 as it doesn’t require a repayment plan. A court-appointed trustee will oversee the liquidation of your non-exempt assets to settle debts. The team at Straffi & Straffi Attorneys at Law is ready to help you discern exempt assets and manage the possible loss of property associated with Chapter 7 filings.

Chapter 13

Chapter 13 bankruptcy focuses on reorganization, enabling debtors to devise a repayment plan lasting between three to five years, which creditors must comply with. Straffi & Straffi Attorneys at Law specializes in formulating feasible repayment strategies under Chapter 13, ensuring your income is effectively allocated to meet debt obligations. This bankruptcy type is particularly effective in preventing foreclosure and repossession, thus allowing you to keep up with payments on secured debts.

The choice of bankruptcy type is crucial, and Chapter 13, often referred to as “wage earner’s bankruptcy,” necessitates a steady income and detailed financial reporting to the court. The experts at Straffi & Straffi Attorneys at Law can guide you in preparing and submitting the required documents.

When considering bankruptcy in New Jersey, professional advice is essential. The seasoned bankruptcy lawyers at Straffi & Straffi Attorneys at Law are committed to safeguarding your financial future and navigating you through either Chapter 7 or Chapter 13 bankruptcy processes. Reach out to us to discuss your options and begin your path towards financial stability.

Bankruptcy Attorney Fees Explained

The cost of hiring a bankruptcy lawyer varies and is influenced by the case's complexity and the prevailing rates in the legal market. Individuals with significant assets or debts might incur higher fees than those with minimal assets. Straffi & Straffi Attorneys at Law evaluates each case to set fair and just fees.

For Chapter 7 bankruptcy cases, legal fees can range from $1,000 to $3,500 or higher. This range often depends on whether you're working with a large firm or a solo practitioner, with larger firms sometimes offering lower rates based on case volume. Straffi & Straffi Attorneys at Law aims to balance affordability with professional legal service.

Chapter 13 bankruptcy cases have court-guided fee structures that vary across different judicial districts, typically ranging from $2,500 to $6,000. Cases involving business assets tend to be more complex and, consequently, more expensive. At Straffi & Straffi Attorneys at Law, we are adept at managing such intricate bankruptcy cases.

When selecting a bankruptcy attorney, it's beneficial to compare fees and specialties of various lawyers. Daniel Straffi Jr. and the team at Straffi & Straffi Attorneys at Law specialize in diverse bankruptcy law areas, focusing on helping clients achieve financial stability.

Dealing with Priority Debts in Bankruptcy

Certain debts like specific taxes, child support, alimony, administrative costs, and debts owed to governmental entities are classified as priority debts in bankruptcy cases, and they are not discharged under Chapter 13 or Chapter 7. At Straffi & Straffi Attorneys at Law, we guide clients through the intricacies of handling these debts in bankruptcy.

In a Chapter 13 bankruptcy, it's mandatory to pay off all priority debts within the bankruptcy plan, including ongoing spousal or child support in addition to trustee payments. Our team at Straffi & Straffi Attorneys at Law can help you create a manageable payment strategy to cover these essential debts.

Under Chapter 7 bankruptcy, priority debts remain the responsibility of the debtor even after receiving a discharge from the court. Creditors might still seek the full amount owed post-bankruptcy completion. Daniel Straffi Jr. at Straffi & Straffi Attorneys at Law provides expert legal counsel to navigate through these priority debt obligations, aiming for your financial freedom.

Straffi & Straffi Attorneys at Law

Straffi & Straffi Attorneys at Law

670 Commons Way, Toms River, NJ 08755, United States

(732) 341-3800