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Browse bankruptcy lawyers serving Totowa, New Jersey. Contact information and addresses listed below.
2 attorneys listed
Updated May 2026
Totowa, NJ
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeAttorney.com. We do not endorse any attorney or guarantee outcomes. Verify licensing and disciplinary status with the State Bar of New Jersey before hiring.
Showing 2 bankruptcy lawyers in Totowa, NJ
Listings are displayed in no particular order and are not ranked by BeforeAttorney. Order does not constitute a recommendation or endorsement of any attorney.
Mc Laughlin & Nardi LLC
37 Vreeland Ave, Totowa, NJ 07512
(973) 890-0004 esqnj.com
Zazella & Singer, Attorneys at Law
195 US-46 STE 3, Totowa, NJ 07512
(973) 696-1700 zazella-singer.com
If you are facing overwhelming debt in Totowa, New Jersey, a bankruptcy lawyer can help you understand your options under federal law. New Jersey follows specific exemption rules, such as the homestead exemption under N.J.S.A. 2A:17-19, which protects equity in your home. A local attorney can guide you through the means test and filing process in the United States Bankruptcy Court for the District of New Jersey.
What Does a Bankruptcy Lawyer in Totowa Cost?
The cost of hiring a bankruptcy lawyer in New Jersey typically ranges from $1,200 to $3,500 for a Chapter 7 case and from $3,000 to $6,000 for a Chapter 13 case. Court filing fees are separate, currently $338 for Chapter 7 and $313 for Chapter 13. These amounts vary based on the complexity of your case and the attorney's fee structure. This is general information and does not constitute legal advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by attorney and case complexity. This is not legal advice — consult directly with an attorney for fee specifics.
Frequently Asked Questions
What types of bankruptcy are available in Totowa New Jersey?
Individuals in Totowa typically file for Chapter 7 bankruptcy, which can discharge most unsecured debts, or Chapter 13 bankruptcy, which involves a repayment plan over three to five years. Your eligibility for Chapter 7 depends on passing the New Jersey means test based on your income and expenses.
How long does a bankruptcy case take in New Jersey?
A Chapter 7 case in New Jersey usually takes about three to four months from filing to discharge. A Chapter 13 repayment plan lasts three to five years, after which remaining eligible debts are discharged.
Will I lose my house if I file for bankruptcy in New Jersey?
New Jersey law allows you to protect up to $100,000 of equity in your primary residence under the homestead exemption. If your equity is within this limit, you can usually keep your home in a Chapter 7 case, provided you continue making mortgage payments.
Need a Bankruptcy Lawyer?
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About Our Listings
Attorneys listed on BeforeAttorney.com are compiled from publicly available directories, state bar records, and business listings. Inclusion does not constitute endorsement. We do not verify attorney licensing, disciplinary status, or qualifications. Verify each attorney's current standing with the State Bar of New Jersey.