New Jersey Bankruptcy Lawyer

The time is coming when those past due bills and months of rent or mortgage payments will need paid. Unfortunately, these days it's more commonly reported that many people are unable to pay their bills even with a brief grace period that has been provided during Covid-19. Unemployment in New Jersey was at 3.7% in November 2019 but jumped to 15.3% in April 2020. During these economically uncertain times, many individuals are desperate to unburden their expanding debts and have a fresh start. The devastating economic impact COVID-19 has had on the New Jersey economy can be felt in communities all across the state. More people are beginning to ask hard questions about how to stabilize their finances and get through another economic downturn, and filing for bankruptcy may be the answer. Whether you think you need to now or later, don't wait to think about your finances until it's too late. Make a plan now for your financial future.

We serve clients in Livingston, West Orange, Newark, Belleville, Clifton, Irvington, East Orange, Paterson, Passaic, and Verona.

Bankruptcy, Chapter 7 and 13 Lawyers and Attorneys in Livingston and New Jersey

If you answered yes to any of these questions, you deserve top-notch legal counsel and Attorney Stuart M. Nachbar is here to assist you.

At the Law Office of Stuart M. Nachbar (recognized as an “AV Preeminet” Firm by LexisNexis / Martindale-Hubbell), we have a few specialized areas of practice. Our primary areas of practice include Bankruptcy, Special Needs Advocacy, personal injury and accident litigation. Our office is conveniently located in the Township of Livingston, In Essex County, New Jersey. We serve clients in Livingston, West Orange, Newark, Belleville, Clifton, Irvington, East Orange, Paterson, Passaic, and Verona.



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Special Needs Advocate

We represent families with Special Needs children as an Advocate fighting for your child's rights and assisting families with Special Needs concerns before both the local School Districts, as well as, Administrative Law Judges. We have extensive experience representing families with special needs and disabilities. There are several laws in place, including The Individuals with Disabilities Education Act (IDEA) (1975) that protect the rights of individuals with disabilities. These laws allow a child with Special Needs to obtain the appropriate services or accommodations through the public schools that they require in order to facilitate their learning in the least restrictive way possible. While public knowledge of special needs has grown over the past 10 years, children with special needs often have their rights overlooked. Our Special Needs attorney in Livingston, New Jersey regularly works with the School Districts and represents families before both the School District and Administrative Law Judges in order to ensure these laws are upheld. Our goal is to improve the life of these children with disabilities by ensuring that their right to free, appropriate and fair education is fully protected.

We serve clients in Livingston, West Orange, Newark, Belleville, Clifton, Irvington, East Orange, Paterson, Passaic, and Verona.

Medical Debt

There are two types of debts: secured and unsecured. Secured debts are those that are backed by collateral, such as a car loan. Unsecured debts are those that aren't backed by collateral, such as utility bills and credit cards. Medical bills are considered unsecured debts, which are dischargeable in a Chapter 7 bankruptcy, which means you may not have to pay them at all. If you file for a Chapter 13 bankruptcy then you will be on a payment plan that your attorney will help you to arrange. If you received treatments that were not covered by health insurance, then call our offices now. Medical debts are actually very common, but many people feel too overwhelmed to take action. These problems don't go away and will only worsen with time, so call us today to schedule your consultation.

We serve clients in Livingston, West Orange, Newark, Belleville, Clifton, Irvington, East Orange, Paterson, Passaic, and Verona.

Why You Shouldn't Wait

When a debt has not been paid then a collection agency is hired to handle the delinquent account and try to establish a payment plan with the debtor. When the debtor does not respond to calls or otherwise doesn't pay the debt or work out a payment plan, the debt gets turned over to a law firm. At that point, a lawsuit may be filed to collect the debt owed, and this is important not to ignore. Each state has its own set laws on how to handle these cases.

It's important to never ignore collection phone calls and/or notices sent by mail. You are only delaying the inevitable when you ignore these notices. And delaying will also cost you more money, as most of the time the debts are legitimate. You may face wage garnishments, repossessions, and foreclosures when you don't take action to resolve your debts. Once a suit has been filed, you have to act quickly or your assets could be in danger of being seized, especially "liquid" assets, or those that can be easily converted into cash.

Additionally, you may face additional fines and even imprisonment if you fail to follow up with the law firm. Not replying to their requests for payment will result in a de facto admission of guilt, and you don't want this judgment. This has serious implications for your financial future.

We serve clients in Livingston, West Orange, Newark, Belleville, Clifton, Irvington, East Orange, Paterson, Passaic, and Verona.

Why You Need A Bankruptcy Attorney In New Jersey

Our attorneys have a lot of compassion for our clients. It is our job to help you and work with you to efficiently resolve your case, so call the Law Office of Stuart M. Nachbar today. The world of bankruptcy has a lot of complications, twists, and turns, so having a highly-experienced attorney on your side is vital.

We can help you navigate important state laws relevant to people in New Jersey such as the Homestead Benefit program. Your attorney can also explain to you the New Jersey bankruptcy exemptions, which is the property you can protect from creditors when you file for bankruptcy. Additionally, in the Garden State, there are non-dischargeable debts.

Even if you file a Chapter 7 or Chapter 13, these debts will not be discharged and you will be responsible for paying them. If you're in Livingston, New Jersey and need a bankruptcy attorney, then call us at the Law Office of Stuart M. Nachbar to schedule your consultation. We serve clients in Livingston, West Orange, Newark, Belleville, Clifton, Irvington, East Orange, Paterson, Passaic, and Verona.

Non-dischargeable Debts

Child support back payments
Student loans
Traffic tickets
and any other fines for law violations
Tax debt

Debt owed due to wrongful death or personal injury
that resulted when the debtor was driving while intoxicated

Collection Matters

Additionally, at the Law Office of Stuart M. Nachbar, P.C., we handle collection matters and have regularly appeared in Municipal Courts in towns located in Sussex, Morris, Passaic, Essex, Bergen, Union, Hudson, Middlesex and Somerset County, New Jersey.

You can trust Stuart M. Nachbar's experience in major legal practice areas such as Personal Injury, Bankruptcy, Municipal Court, Special Needs Law, Education Law, Debtor-Creditor Litigation, Accidents, and Collections.

For further information please use our contact form or send an email to and we will get back to you as quickly as possible. For immediate attention please call us at (973) 233 4049.

Thank you for choosing the Law Office of Stuart M. Nachbar, P.C.

Turn to the Law Office of Stuart M. Nachbar, P.C. today to schedule a no-obligation consultation so we can discuss the best approach to your case. We serve clients in Livingston, West Orange, Newark, Belleville, Clifton, Irvington, East Orange, Paterson, Passaic, and Verona.

Stuart has assisted our business in two collection issues. In the first, he was able to help us negotiate a reasonable settlement with our client, in a very reasonable time frame. In the second, he spent two years helping us recover our funds from a client that had declared bankruptcy. We were delighted with the amount he was able to achieve. In both instances, Stuart has been professional, helpful, and most importantly, extremely responsive and informative. We will happily work with him again, should we have the need.

★★★★★ | David Cantor

I was a mess until I spoke with Stuart Nachbar. I explained our situation to him and he could tell I was very nervous about the whole bankruptcy idea. He told me to just "breathe", and breathe I did. He explained every detail, answered every question and told me what to expect during the entire process. Everything went just as he explained and very timely. The process was not as scary as I thought it would be and Stuart genuinely cared. He is experienced and knowledgeable. Choosing Stuart Nachbar to represent was a great decision. Highly recommend him!!

★★★★★ | Lorraine Andico

Dealing with a personal injury claim against our own insurance company for a minor Stuart went above and beyond. He was patient with my slow responses and walked me through things I did not understand.

He got us a settlement and a zoom court date. Not quite sure what happened but at the end of it he had the settlement doubled.

I would recommend him in a heartbeat. And he wil downplay everything. Just go with it.

★★★★★ | Deborah Blaiberg

I was a nervous wreck. Stuart Nachbar hand held me through the entire process, Kept me calm anytime the process got to me. He was always accessible and available with quick response time. and sound advice. I already told 2 friends about him. Stuart Nachbar cares! He is there for his clients , and gets the job done, so the client gets peace.

Thanks so much so glad I met you and you accepted my case.

★★★★★ | Denise McCoy

Stuart is very knowledgable, professional and on top on what he do. We just received a very good news and now my case is close. From the time I met him until now that my case is done, everything was smooth. I am very happy that I came to him for help. He won't make you feel uncomfortable he will do his best to explain and make you understand in a case to case basis. Always giving updates about the case and he would make sure that you are comfortable while everything is ongoing. I can't ask for more about this guy. If you need help get a consultation right away and I assure everyone that will come to him will be pleased while walking out of his office.. Thank you so much Stuart! You are the best!

★★★★★ | krysamend

I met with a lot of really good lawyers, but Stuart stood out. I felt comfortable with him from our initial phone conversation to our last email exchange. Stuart is very responsive, knowledgeable, and transparent. He personally handles his cases and answered all 1000 of my questions with grace. :) I highly recommend Stuart.

★★★★★ | Shanee Porter

Stuart Nachbar was exceptional when it came to helping us throughout our bankruptcy. His knowledge and experience are what helped make our decision to retain him. Upon meeting him we felt comfortable and knew we were in good hands. We knew bankruptcy was what we needed to do, but were scared of actually going through with it as it was a big decision to make. Stuart helped to reassure us that everything would be alright and guided us step by step. He was quick, very quick! Always responded to our emails right away and always kept us in the loop with what was going on. The entire process was smooth and we are so happy to have retained him. We absolutely recommend you retain Stuart if you are looking for a quick, effective and efficient attorney.

★★★★★ | pat & maria g

Highly recommend Stuart Nachbar to anyone looking for a good attorney. He is very knowledgeable and experienced. I consulted a few other attorneys and finally chose Stuart Nachbar because he listened to me patiently, asked me relevant questions, gave his valuable advice and answered all my questions. The bankruptcy process went through smoothly.

★★★★★ | Vick E

I highly recommend Stuart Nachbar. They are very helpful and worked with you to understand the process. I thought it would be stressful matter to handle but with Stu guideness and wit made it go smooth. The fees were affordable.

★★★★★ | Kathy Mcfadden

Excellent professional acumen!! Ensures that clients completely understand and are informed throughout the process. Also, he is just a really nice funny guy! Thanks Stuart!!

★★★★★ | Mar GinAl

Mr. Nachbar successfully solved our case and recommend him without any reservation.
He patiently explained the case complexities and was always available for questions and further consultations.

Mr. Nachbar embodies professionalism in every interaction and truly cares about individuals. Hands-down, the best attorney experience we have had!

★★★★★ | Malva Cuevas-Alvarez

I highly recommend Stuart Nachbar to all that are suffering from financial difficulties and considering a Chapter 7 or 13. Stuart is outstanding and very knowledgeable. I enjoyed our consultation, as it brought ease to know I was in the right hands! I can respectfully say he cares about his clients and it definitely shows in his work. My wife and I were drowning in debt , losing sleep and Stu was a realist with us. I'd rather have somebody be (real)then just lie and agree with you.

If you're having difficulties paying your bills and you don't know what to do ,please reach out to Stuart Nachbar he's the man for you .

★★★★★ | David Suchocki