If you are struggling with paying your bills, you should meet with a bankruptcy lawyer even if you are not ready to file for bankruptcy.

Here are some ways we can help you NOW:

  • Negotiate credit card debt
  • Mortgage modifications
  • Student loan deferment
  • Medical debt settlement

The earlier you create a plan, the MORE options you have.


5 Steps to Your Fresh Start

  1. You will no longer be afraid of answering the phone. Once you become our client we will deal with those nasty creditor calls.
  2. You will no longer be afraid of opening the mail. Those harassing debt collection letters will stop.
  3. Your wage garnishments, bank levies and foreclosures will stop.
  4. You will sleep better at night and become a better person. No one can be great at what they do with the stress of debt looming over them.  You will find that you will be more relaxed, get better at the things you do and enjoy life again.
  5. Your credit score will rise. We will give you the tools to not only get out of debt, but give you tools to increase your credit score and manage your financial affairs much better and save for a brighter future.

Our clients are good people who typically get behind on bills because of huge, life-changing circumstances like job loss, divorce or an unexpected illness. Even though the economy is slowly recovering, many of us on “Main Street” aren’t seeing the results and still feel pinched.

Even if you are out of options and have to file for bankruptcy, bankruptcy can eliminate most of your debt and get you on the road to a fresh start.

Serving New Jersey Clients Through ALL Bankruptcy Matters

No one expects that they will ever be in a position to file bankruptcy. We all work hard and do our best to keep our heads above water. However, due to circumstances often outside of our control, bankruptcy can and should be considered to help you get out of debt and start fresh. We will also explore additional options to reduce your debt.  If you or someone you know is financially over their head and need assistance dealing with debt, harassing phone calls from creditors, foreclosure proceedings, and more, the bankruptcy attorneys at The Tomes Law Firm, PC can help you decide if bankruptcy is right for you or if there are other options that can help you. If you decide to take this legal route and file for bankruptcy protection, our compassionate, experienced attorneys can guide you through the sea of legal red tape and help you get your financial life back on track. If you need quality legal support, contact Tomes Law Firm, PC

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How does the automatic stay benefit people?

During the bankruptcy process, the automatic stay has been shown to ease the process for individuals. With the automatic stay in… READ MORE

What Our Clients Are Saying

“I loved the way this law firm handled my case from the beginning. Even though it wasn’t an easy case due to the weird circumstances, Mrs. Tomes was honest and straightforward with me from the get-go. After a thorough presentation of the facts, we got the outcome we were looking for. Hands down I recommend this law firm to anyone looking for a good attorney. I will use them again without hesitation if need be.”