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Chapter 13 Bankruptcy

Are you behind on your mortgage payments and your property is in foreclosure? Do you earn regular income? Maybe money can’t buy happiness, but it can certainly cause negative emotions when you struggling financially. Fear, sadness, shame. These are just a few feelings you may experience when you’re considering bankruptcy. But you have options—and a Chapter 13 bankruptcy just may be your solution.

A Chapter 13 bankruptcy is primarily designed to help individuals or couples who don’t qualify to file Chapter 7. A New Jersey bankruptcy attorney at Garces, Grabler, LeBrocq can help you determine which type of bankruptcy to file based on how much disposable income you have after all expenses are calculated, and how much equity remains in your home.

Chapter 13 Bankruptcy: A Preventative Solution

A Chapter 13 petition is filed to prevent or delay a sheriff sale. It works almost the same way if you’re financing a car, and are behind on your car payments but wish to retain the car. A Chapter 13 reorganization plan would be eventually set up for a period of five years to allow a debtor time to catch up with the mortgage payments, refinance, sell, and/or pay other debts. If you have credit card debt, these debts could also be listed on the bankruptcy petition.
Chapter 13 bankruptcy allows you to:

  • Reorganize and consolidate your debts and repay them interest free over a 36-month or 60-month period
  • Stop foreclosure on your home if filed prior to sheriff sale
  • Stop creditors from collecting any money from you

How to Qualify for a Chapter 13 Bankruptcy NJ

In order to qualify for a Chapter 13 bankruptcy NJ, your repayment plan must be approved by the court. And in order to get approved, you must be gainfully employed or have some other verifiable source of consistent income. In essence, you have to be able to demonstrate not only that you have the financial ability to pay the regular mortgage payment and your other living expenses, but also the economic ability to make an additional payment to the trustee to consolidate your outstanding debt. Sound like you? If so, Garces, Grabler, LeBrocq, New Jersey bankruptcy attorney, can help you take the first steps.

Under Chapter 13, you’re still obligated to make all future mortgage payments to the bank or mortgage company as before, plus an additional payment to the trustee to cover the outstanding consolidated debt amount.

If you’re considering a Chapter 13 bankruptcy NJ Garces, Grabler, & LeBrocq are available for a free consultation. To speak with a bankruptcy lawyer immediately, call 800.923.3456 or contact us online to discuss your legal matter today.


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Great service,would recommend to anybody!
, Jul 10, 2017
The lawyer Ana bontempo very profesional.
, Jul 19, 2016
Son exelentes y recomentables
, Sep 4, 2015
Lo mejor de lo mejor como abogados para mi caso de compensación de trabajo gracias a tan buen equipo en general y sus secretarias tambien que se esperan en ayudarte gracias de nuevo
, Jan 31, 2018
I was satisfied, and the service was very good, my lawyer was very professional and did a great job.
, Feb 3, 2017
Great representation.
, Nov 3, 2017
Outstanding service very professional attorneys thumbs up all the way
, Feb 4, 2017
Far exceeded my expectations. Mr. Vella was confident and professional. Should I require legal assistance in the future I won't hesitate to call them.
, Oct 21, 2016
My uncle had some problems with meals at a Monmouth Count assisted living home. The home charged over $5,000 per month and he was not being offered food that he liked on many occasions and his complaints did not resolve the issue. I called Garces & Grabler on his behalf and they sent an attorney to the home to first speak with my uncle, then speak with the director. Within a few day, his dietary needs were met. Everything was resolved amicably and the law firm charged, in my opinion, a very reasonable fee for their services.
, Jul 12, 2016
Muy buen servicio al cliente y buenos abogados
, Jul 27, 2016
Mr. Lebroq is an excellent Attorney. The office staff has always been prompt , respectful and helpful. I highly recommend this firm.
, Oct 10, 2015
, Aug 3, 2016
Good job
, Jun 15, 2016
Very satisfied...highly recommend!
, Jun 14, 2016
When it comes to traffic John K gets the job done in the courtroom Job Well Done
, Aug 16, 2017
They have done great work for me and my family.
, Oct 9, 2016
Thanks for everything my life change Good bless thanks
, Jul 21, 2016
Great Experience. Wouldn't hesitate to give you a call back when i mess up again. Great Service, Great Lawyer. Couldnt ask for more. Thank You Guys Once Again.
, Jul 23, 2016
Excellent service would recommend to others
, Feb 7, 2017
Awesome job , very pleased with the outcome of my case !
, Jan 4, 2017
La atención muy eficaz son muy profesional me sentí muy sastifecho gracias
, Jul 5, 2017
Thank you Mr. Lawrence LeBrocq, I have no words for the amount of appreciation I have for what you've just done.
, May 9, 2017
Excellent highly recommended
, May 25, 2016
Excellent service John K gets the job done in the courtroom
, Aug 16, 2017
Los mejores
, Jul 7, 2017
Great service everytime.
, Aug 18, 2016
Great lawyers great service highly recommended
, Dec 29, 2017
He helped me fight a battle that I put off for years. Thank you so much for your services.
, Aug 31, 2016
Great expletive with Esq Arindo. He is practical, honest, and thorough. I really appreciate his help.
, Jun 16, 2016
I was very impressed with the professionalism and quick turn-around time from all the participants from GGL that assisted me. I would like to especially thank my attorney Jonathan Kessous. His credentials are very notable he is one of four attorneys throughout the entire state of NJ certified by the NJ Supreme Court as a Trial Specialist in both Criminal and Municipal Court Law matters. My case was very serious and could have resulted in jail time or suspension of my license. Jonathan was able to resolve my case very favorably. I am extremely thankful for his assistance. I would also like to recognize and thank his Paralegal Jasmin Caba and his Personal Assistant Marianne Crisitello for their assistance in communicating and preparing me for my trial. They are a great team and I would highly recommend them.
, Feb 27, 2017
Best lawyer I ever had
, Nov 9, 2017
I was very satisfied with the services provided . Graces and Grabler handled my case in a excellent manner.
, Feb 18, 2018
I recently had gotten a ticket that was worth 5 points. I choose this firm because they were local to where the incident occurred. I was very nervous and unsure of the possible outcomes. They were so patient and reassuring with my case. Everything went smoothly and quickly and I was very happy with the final results! I would highly recommend them!
, Feb 25, 2016
Muy buenos abogados se los recomiendo
, Jun 8, 2017
I love when a team gets together and get the job done with out me calling to see how everything moving along. I will always recommend this firm to anyone . Go team
, Oct 20, 2017
Great people they do help thank you for everything you've done
, Jul 18, 2017
Sarita Núñez vas very efficient. She did everything she could to have the case resolved
, Mar 2, 2017
Muy bueno y excelente
, May 21, 2016
The best In Plainfield, Thanks Garces+Grabler+Lebrocq for your help! Beating my case and my wife case.
, Jun 15, 2016
Professional, smart and most importantly, effective. Great attorneys that help in every aspect of the legal process. The office staff was always very helpful and polite, while the legal professionals were direct and extremely efficient. I highly recommend this office to anyone seeking advice or council.
, Feb 16, 2016
Lawrence and his team are A+++ when it comes to all aspects of law.
, Jun 17, 2016
Very satisfied! Exceptional service! Highly recommend!
, Jun 14, 2016
Los mejores abogados gran equipo
, Jul 7, 2017
Joe Delgado was the best attorney anyone could ever have! I had a very complicated case but he took it and we won!!
, Sep 28, 2017
, May 23, 2016
Yous are the best of the best thank you for your service
, Sep 12, 2015
I was happy with your service and professionalism with handling my case. I was treated with respect and always told the truth and not half of a story or what I wanted to hear. My team was awesome thank you
, Jul 14, 2017
Great job , thank you very much, I'm glad I found you,
, Oct 22, 2016
I had the good fortune of Mr. Pasquale Vella representing in a matter that I had deemed a bleak one, with no positive outcome in sight. Vella assured me that he would work hard to get me the best results possible, and that is exactly what he did. He worked tirelessly making sure he covered all possible angles, and in the end I was extremely pleased with his services. Vella proved to be diligent, aggressive in yielding results, and very professional, all while maintaining a communicative yet good natured rapport with me as his client. I would most certainly use his services again in the future as well as highly recommend him to anyone in need of a great criminal defense attorney.
, Nov 9, 2016
Very professional group I'm really satisfy with service provided
, Feb 19, 2018
I was very pleased with the service from your firm, especially my attorney Allen, he always returned mu calls and was very courteous.
, Jul 18, 2017
Johnathan Kessous did a fantastic job handling my case. I hope i never need his expertise again...but if I do, he would be my first choice for legal representation. I had gotten a speeding ticket on the NJTPK going 84 in a 55 which resulted in a state trooper issuing me a 5 point ticket. Johnathan got it reduced down to zero points... just a fine.
, Oct 4, 2017
100% satisfaction, very good. I like to recommend.
, Jun 16, 2016
Perfect !!!!!!
, Oct 7, 2016
Everyone in the office was very nice and pleasing. I had a sense of comfort when i walked into the door.
, Jan 9, 2018
Knowledgeable, helpful, and friendly guy. Thanks for the service!
, Jun 13, 2016
Excelentes abogados
, May 8, 2016
Thanks for helping and you have the best service
, Jul 26, 2016
Felt very well taken care of. Excellent!!!!!
, Jul 19, 2016
Very professional I'm very happy with their service.
, Aug 29, 2017
Very helpful in getting speeding ticket points reduced.
, Jun 15, 2016
Robert White III, Esq. was professional and efficient in every step of the process. From dealing with my Worker's Comp insurance to making sure I got the best care with a skilled neurosurgeon and making sure my case was handled fairly by a judge and the court system. I would definitely recommend Garces, Grabler and LeBrocq for anyone who was in need of representation for such matters.
, Mar 28, 2017
Garces Grabler LeBrocq is the BEST!
, Oct 13, 2017
very satisfied with the outcome. You did a very good job
, Dec 26, 2016
The Lawyers were very friendly and knowledgeable. If I need a lawyer in the future, they would my go to attorneys.
, Jun 13, 2016
I found my attorney, Mr. Kessous, to be highly professional, knowledgeable, friendly and effective. He was highly responsive to my questions and concerns and easy to work with, and achieved the desired settlement for me in regard to my traffic ticket. If I were in the same situation all over again, I would choose to work with him without hesitation, and expect that if I were to face a similar situation in the foreseeable future, I would contact him. I would also provide his name with the highest recommendation to others in the area for such problems. (I also found his assistant, Gabriela Vargas, to be quite responsive and helpful as well.) Thanks again for all of your help!
, Jan 25, 2017
My case is still a work in progress. I will say that my Lawyer here has done more for me pre court than I had expected. If you need a lawyer for anything you can find someone here to help you.
, Oct 26, 2017
I would like to say thank you for all your help you've giving me.
, May 24, 2016
Son muy buenos abogados,llevan los casos con mucha responsabilidad y empeño.
, Nov 28, 2017
Very satisfied
, Aug 3, 2016
Buen trabajo. Muchas gracias.
, Oct 23, 2016
Son buenos los mejores abogados buen equipo en general
, Jul 7, 2017
Thank you very much for all your help and great service!
, Mar 22, 2017
Tuve una buena experiensia confien son los mejore.yo tube dos caso y sali muy bien gracias a ellos
, May 7, 2016
They were very effective in getting my ticket and fines knocked down to lesser offence. I appreciate all their help.
, Jul 15, 2017
Thank you very much you guys were helpful compassionate in my situation I really appreciate the ladys in Perth Amboy are very nice I recently send it a friend and she has the same opinion.
, May 24, 2016
Estoi satifecha por supervisio grasia a
, May 16, 2016
Saved my life twice!!
, Jul 13, 2016
Great service all the way around
, Feb 16, 2018
You guys are number 1 for me! always have an answer to help people
, Dec 21, 2017
Bill Grabler handled several comp case's for me including permanent worker's comp. He did a fantastic job.
, Jul 21, 2016
Great service and support from start to end.
, Jun 15, 2016
Excellent service. Very respected law firm. Will use again and definitely recommend
, Oct 12, 2016
U guy's r amazing LAWYER'S! I will always recommend u to all my friends and family members. Thank u for going above and beyond with my case. Awesomeness!!!!!!
, Oct 6, 2016
I would like to say thank you to ALL at Garces, Grabler, & Lebrocq. I believe all work with great integrity. The patience and effectiveness really shows in my life. From car accident to divorce. Purchasing home. Even with help making my dreams come true and starting my own business. I appreciate ALL. Definitely know I will always be in good hands. Thanks!!!
, Oct 20, 2017
The best lawyers and Their excellent assistants
, Jun 14, 2016
Compassion and professional
, Oct 27, 2017
G.G.L... Are the best in the business...
, Jan 26, 2017
Very good
, May 21, 2016
I would highly recommend this law firm to anyone. The service was epicable. Very thorough, efficient and friendly. It was a pleasure having you represent me.
, Jul 8, 2017
Very please with law firm
, Apr 2, 2017
Buenos profesionales, excelente trabajo....
, Jul 10, 2017
Se los recomiendo muy buen abogado y lucha asta conseguir lo mejor para el cliente
, May 26, 2016
Very good service I recommend.
, Mar 23, 2018
Buenos profesionales, completamente satisfecho con sus servicios
, Jul 11, 2017
Like to thank u for your profession and with my traffic ticket
, Jul 24, 2016
Hi, it was a very good experience !! I appreciate all the things the Lawyer did for me, he won the case, thank you so much again, I am 100% satisfied!
, Mar 29, 2017
I would highly recommend these attorneys to all my friends and family!!! Best of the Best!!!!
, Mar 2, 2016
Jonathan A Kessous did an outstanding job in handling my case. He was able to get the most serious charge and several other charges against me dropped and my fine greatly reduced. I was most impressed with his professionalism.competence and the timely manner in which he responded to all my questions and concerns. This demonstrated to me that I was a priority and not just a client!
, Jun 13, 2016
Very professional and know what they're doing which is hard to find nowadays. Arlindo Araujo was very clear, precise, and on point!!!
, Jul 20, 2016