Mounting debt can cause more than just stress and anxiety. Individuals who fall behind in mortgage, car loan, and credit card payments often find themselves falling deeper and deeper into debt as a result of trying to stave off the inevitable: bankruptcy. Despite reports in the media regarding changes in the law, it's still possible to get a fresh start after declaring bankruptcy. If you are concerned about your financial situation and feel you may have to declare bankruptcy, the law offices of David Alan Ast will evaluate your situation and discuss the options available to you.

Free Consultations

With over 25 years of experience in representing people with similar problems, we can help you find a solution to your financial problems. He can address your questions about the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA), and advise you of your options (including non-bankruptcy alternatives) to resolve your financial problems. Contact Morris County bankruptcy attorney David A. Ast today to schedule a free consultation to discuss how we can help you.

Bankruptcy - Considering what Works Best for You

We put this experience to work for you in matters related to the following areas:

• Chapter 7 Bankruptcy
• Chapter 11 Bankruptcy
• Chapter 13 Bankruptcy

Mistakes to Avoid - What Not to Do if You're facing Bankruptcy

The credit card industry has made it sound as if bankruptcy is no longer an option for most people. They offer introductory low interest rates to encourage people to transfer balances on higher interest credit cards, realizing most people will not pay off their balance before the introductory offer expires. If your debt is mounting and you think bankruptcy may be your only option, avoid making the following mistakes:

• Don't run up credit cards thinking all your debt will be wiped out.
• Don't repay family members for debt owed them since creditors can file to get the money back.
• Don't use retirement funds to pay off debt; there are substantial tax penalties associated with early withdrawal.
• Don't transfer property to relatives.
• Don't use a debt settlement agency to negotiate a lower interest rate or payment schedule since all payments for the first 6 months go to the debt settlement company and not creditors. Additionally, contacting a debt settlement company may result in your creditor recalling all of your debt.
• Don't use home equity to pay off credit card debt.

Put an End to Calls from Collection Agencies

At the law offices of David Alan Ast, P.C., we know you are tired of the constant collection calls and dunning letters of creditors. Once you hire Mr. Ast as your bankruptcy lawyer and file bankruptcy, debt collectors are required by law to contact our office and leave you alone - at home and at work. We know that at times the system can seem stacked in favor of the creditor. At our firm, we create an environment of trust and care so that you not only feel comfortable discussing your bankruptcy issues, but also have the confidence that our legal team can assist you in getting through this difficult period in your life.

We find that even after an initial consultation, our clients begin to feel more comfortable about their situations and can see a brighter future ahead.

Let us do the same for You

Contact New Jersey bankruptcy attorney David Alan Ast today to schedule a free initial consultation. You'll be glad you did.

David Alan Ast, P.C.

222 Ridgedale Avenue

P.O. Box 1309

Morristown, NJ 07962

Tel: 973-984-1300

Fax: 973-984-1478

e-mail