We'll Help You Find the Right Path To a Better Life

Debt Relief Attorneys in Wall & Toms River, NJ Bringing Debt Relief Services to Clients Since 1995

Filing for bankruptcy, whether as a consumer or a business, is an extremely personal decision. It should not be started until you receive professional and experienced legal counseling prior to making your decision. In bankruptcy, a federal judge and court Trustee will examine your assets and liabilities as a business or an individual who is unable to pay one’s bills.

Depending on the circumstances and the type of bankruptcy filed, these court officials will decide whether to authorize a discharge of your debts or reduce your overall indebtedness to a manageable level. In the case of anyone filing a personal bankruptcy, you will have to meet certain requirements, such as completing approved credit counseling and debtor education.

If you are facing crushing debt in or around Wall or Toms River and need help understanding your options, we recommend that you come to Cerbone Law Firm for highly knowledgeable and dedicated legal services. We have been practicing in this field of state and federal law since 1995 and can guide you through the complex process of seeking bankruptcy or some other type of debt relief.

Our legal team will work with you throughout all phases of the process so that you can benefit from the advantages available. We do so with the utmost sense of privacy and urgency on your behalf. Our team focuses on evaluating your financial situation at the outset, along with subsequent discussions, to ensure that you understand all the pros and cons involved in each type of bankruptcy or debt relief process. Our goal is to help you make the debt relief decision that is correct for you.

Let Cerbone Law Firm provide you with the assistance and guidance you need for debt relief. Contact us online or call us at
(732) 402-0088 to schedule a free consultation.

Debt Relief Services, We Provide

The most common form of bankruptcy in our state and across the country is personal bankruptcy for individuals and couples. While a bankruptcy filing carries certain drawbacks, you will be given a new start that relieves stress and the pressure of financial oppression.

Thousands of people from all walks of life incur debt overload from a variety of circumstances, such as medical expenses stemming from:

  • A serious illness or injury

  • A divorce

  • Business failure

  • Job loss

  • Or other situations

Our office can walk you through your debt relief options to handle your specific situation, such as:

Every case is unique, and we will ensure that you understand all of your available options so that you can choose wisely and with confidence based on your individual needs and objectives.

Cerbone Law Firm
Cerbone Law Firm

Our firm provides information, guidance, and representation in the following financial matters:

  • Chapter 7 bankruptcy. This releases you from the responsibility of your outstanding debts while allowing certain exemptions that are not subject to the bankruptcy process.

  • Chapter 13 bankruptcy. This process allows you to reorganize your debt in order to repay a set amount over a certain time period, at the end of which any balance is forgiven.

  • Business debt. If you have accumulated business debt that you cannot satisfy now or in the future, we can help you understand your options as a business owner.

  • Repossessions. If you are facing repossession of your property, learn what can be done to avoid this negative impact on your life.

  • Credit card debt. This is the most common form of individual indebtedness that results in debt overload. We can help you explore ways to repay, eliminate, or reduce your debt.

  • Tax law. Let us help you get back on track for missed estimated tax payments, failure to file tax returns, or other tax law problems.

  • Tax debt. Our firm can assist you in understanding and handling tax debt as it relates to bankruptcy.

  • Wage garnishments. If you face a threat or an actual judgment of wage garnishment, we can evaluate your financial scene to help you resolve the issue.

Turn to Cerbone Law Firm for All Your Debt Relief Needs

Often in life, we fail to take advantage of legitimate opportunities provided by our government that are meant to stabilize our lives. Our firm is here to ensure that you understand the legal actions available to you to alleviate your debt problem.

We understand that runaway indebtedness happens to many good people for many reasons. Our firm is not here to pass judgment, but to provide the positive and supportive assistance you need to remedy your financial scene.

Cerbone Law Firm has remained a stable presence, providing high-quality legal services to New Jersey residents and businesses for decades. Let us put our knowledge and experience to work for you.

Reach out to our office online or at
(732) 402-0088 to arrange for your free case evaluation today.

Cerbone Law Firm

What Makes the Cerbone Law Firm Different?

  • Cerbone Law Firm

    We Are Committed to Finding the Best Solution

    We promise to give you the same advice we would give to a family member.

  • Cerbone Law Firm

    We Care About Our Clients

    Our compassion for our clients and commitment to see them succeed is the driving force behind our practice.

  • Cerbone Law Firm

    We Have Over 25 Years of Experience

    Over those 25 years, we have experienced it all and have learned how to have fun doing it!

Hear From Our Previous Clients

I would like to recommend Mr Cerbone as a lawyer to go to if you need help.

I would like to recommend Mr Cerbone as a lawyer to go to if you need help.

- Charles and Glorianne

...like talking to a family member

“Upon finding James and having a phone consult, he was like talking to a family member about your situation and getting honest advice. He made me feel like we were his top priority , and said we can ...”

- Jacqueline

Outstanding service from top to bottom..

“Outstanding service from top to bottom… Mr. Cerbone is accommodating, friendly, courteous, easy accessible and knows his Craft…Cindy is a doll,whatever your needs are she is Top Notch,from the tiniest ...”

- Vincent

Great law firm.

“Great law firm. Cindy and James are very good people a pleasure to work with. They take care of everything from start to finish and always keeping you informed with everything that they are working on ...”

- Charles

James is great...

“James is great he takes quality time with you answers all your questions and the secretary Cindy, is great as well I call all the time with questions she answers them always tells me it was no bother ...”

- MJ

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