Stephen L. Klein is dedicated to helping the people of New Jersey through times of need with compassion and a commitment to meeting the needs of his clients.

Drowning In Debt? We Can Help You Get A Fresh Start.

If you are struggling financially, living paycheck to paycheck and barely making ends meet, it may be time to consider filing for bankruptcy. Many people try to avoid bankruptcy because of the perceived social stigma attached, but bankruptcy was created so people don’t get dragged down by overwhelming debt. There is no shame in struggling to deal with things like unexpected medical bills, job loss, divorce or even poor choices on investments. We can help you determine if bankruptcy is the right choice for you; if bankruptcy makes sense, we will guide you through the process.

Helping Two Generations Climb Out Of Debt

At the Law Offices of Stephen L. Klein, we have helped clients like you get a new start in life through Chapter 7 and Chapter 13 bankruptcy for more than 40 years. Chapter 7 bankruptcy, also known as “straight” or “liquidation” bankruptcy, allows a person to eliminate or to “discharge” most unsecured debt. Chapter 13 bankruptcy is for people who have too much income to qualify for Chapter 7 bankruptcy. In chapter 13 bankruptcy, we negotiate with your individual creditors to reduce the amount you owe, then combine all of your debt into a single payment. The payoff term is typically three to five years, depending on the total debt and your ability to pay.

Ready To Discuss Bankruptcy? Call Us. We Can Help.

If you are ready to end harassing creditor calls and relieve yourself of your financial burden, contact the Law Offices of Stephen L. Klein by calling 201-941-3833 or by filling out our online contact form. We can help you get a fresh start.

The firm is a debt relief agency and helps people file for bankruptcy relief under the Bankruptcy Code.