Notice: Due to COVID-19, we will be conducting all consultations via video, phone, or email. While state and municipal courts are closed, the federal bankruptcy courts are open for business and are as well working through this crisis by utilizing telephone and video streaming services to move cases along. This could present an especially great opportunity to get the bankruptcy process started and completed with little or no additional hassle to the debtor. Please don’t hesitate to call us if you have any questions!

New Jersey Bankruptcy Attorney
Call for a Consultation 732.338.9650
Restructure Your Debt Into a Manageable Payment Plan

Chapter 13 Bankruptcy Lawyer in Woodbridge Township

Your First Consultation Is FREE: (732) 338-9650

Similar to Chapter 7 bankruptcy, Chapter 13 bankruptcy is an effective form of debt relief for those who are looking for ways to resolve their overdue bills and financial obligations. But unlike Chapter 7 bankruptcy, which wipes out unsecured debt, Chapter 13 bankruptcy requires repayment of a portion of your debt. If you are interested in filing for Chapter 13 bankruptcy, don't hesitate to get in touch with our team at Vaisman Law Office.

Why Work with Vaisman Law Office?

  • Our attorney has in-depth knowledge of our local bankruptcy courts and trustees
  • We offer personalized, one-on-one attention
  • You work directly work our lawyer from start to finish
  • We keep you up-to-date on your case

Known as reorganization bankruptcy, Chapter 13 allows debtors to restructure their debt into manageable payment plans. By repaying the debt, many are also able to keep their home, their cars, and their personal items. These payments will typically last from 3 to 5 years and are determined by negotiating with creditors.

Schedule a FREE meeting to discuss your debt with an attorney.

How Are Chapter 13 Repayment Plans Determined?

It is important that you work with an experienced Woodbridge Township bankruptcy attorney when negotiating a repayment plan. In many cases, you may be able to secure a favorable repayment schedule, negotiate a lower interest rate, or even obtain a lower overall debt. This all depends on an attorney's experience and skill when dealing with creditors.

Your monthly repayment plan under Chapter 13 is usually determined by:

  • How much debt you have
  • Your expenses
  • Your income
  • Administrative fees

Solving Your Debt Can Start Today. Call (732) 338-9650.

If you are being overwhelmed with debt, you are not alone. You can take steps to heal your financial struggles with the help of our bankruptcy lawyer at Vaisman Law Office. Start by scheduling a FREE case evaluation to see what steps you should take next.

Contact us today to begin your debt relief plan.

Past Clients Share Their Stories

  • “I want to thank him for putting up with my constant calls and questions and being so understanding of my feelings and concerns dealing with the bankruptcy.”


  • “Mr. Vaisman is very professional lawyer”

    Svetlana G

  • “He is very respectful and very understanding towards your needs and your situation.”

    Christine H.

  • “Great Guy”

    Owen L

  • “When the going got tough, Ed's expertise pulled through and the case was resolved to my satisfaction.”

    Bill M.

5 Steps to Your Fresh Start

  1. Take Responsibility
  2. Plan a Goal
  3. Take Action
  4. Hire the Right Team
  5. Bring Your Dreams to Life!
Take the First Step Toward a Debt-Free Future
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