Ralph A. Ferro Jr., Esq. Law Office is a New Jersey-based bankruptcy law firm specializing in consumer and business bankruptcy cases, with a Board-Certified attorney offering over 30 years of focused experience. The firm stands out for its personalized approach, 100% success rate in Chapter 7 cases, and direct attorney-client communication, including 24/7 availability via cell phone.
The practice is entirely devoted to bankruptcy law, ensuring deep expertise in navigating complex financial reorganizations and debt relief. Ralph A. Ferro Jr. personally handles all cases from start to finish, providing individualized strategies for both individuals and businesses facing foreclosure, creditor actions, or overwhelming debt. The firm emphasizes transparency, often advising against bankruptcy when alternative solutions better serve the client’s long-term financial health.
Services Offered
- Chapter 7 Bankruptcy for individuals and businesses
- Chapter 13 Bankruptcy for individuals
- Chapter 11 Bankruptcy for individuals and businesses
- Chapter 11 Subchapter V for small businesses and individuals exceeding Chapter 13 debt limits
- Foreclosure defense and prevention
- Mediation services for adversary proceedings
- Creditor representation in claims litigation
- Representation of non-debtors in adversary proceedings
- Stripping off or cramming down mortgages
- Objecting to claims by tax authorities
- Defending against clawback/preference actions
- Litigating automatic stay violations
- Expunging late-filed creditor claims
- Reducing medical liens on personal injury proceeds
- Stopping wage garnishments, bank levies, lawsuits, and harassing creditor communications
- Reorganizing past-due mortgage and car payments
- Rejecting unfavorable executory contracts or leases
Serving clients across Bergen, Essex, Hudson, Morris, Passaic, Sussex, and Union Counties, including Hackensack, Bloomfield, Cedar Grove, Clifton, and Little Falls, the firm offers free in-person consultations and is committed to helping clients achieve financial stability through expert, dedicated legal support.
