About Thomas J Orr — Bankruptcy Burlington
Thomas J Orr Law Offices serves bankruptcy Burlington New Jersey clients with more than 33 years of debt-relief and Chapter 7 and Chapter 13 experience in Burlington County. The firm helps individuals and small business owners evaluate whether liquidation or reorganization fits their situation. Because cases file in the US Bankruptcy Court, District of New Jersey, Camden Division, careful pre-filing planning protects exemptions and avoids preference issues. Additionally, the office counsels clients on non-bankruptcy alternatives, including workouts and debt negotiation.
The practice serves Burlington, Camden, and Mercer County residents. For broader comparison, visit the Burlington attorney directory. Free initial consultations focus on means testing and asset review.
What Clients Say
Reviews praise patient, non-judgmental handling of financial difficulty. Clients facing wage garnishment, foreclosure, or vehicle repossession note quick action on automatic-stay protection. Small business owners appreciate practical discussion of Chapter 7 liquidation versus Chapter 13 reorganization.
Bankruptcy Burlington — Practice Areas and Services
- Chapter 7 consumer bankruptcy for qualifying debtors
- Chapter 13 reorganization and wage-earner plans
- Foreclosure defense and mortgage workouts
- Automatic stay enforcement against creditors
- Credit counseling referrals and means-test analysis
- Non-bankruptcy debt negotiation alternatives
Frequently Asked Questions
Do I qualify for Chapter 7 in New Jersey?
Eligibility turns on the Means Test, which compares household income to the New Jersey median for family size. Those below median usually qualify, while those above must show disposable income is too limited for a Chapter 13 plan.
Will I lose my house or car?
New Jersey debtors can choose federal or state exemptions. Most homestead equity up to $27,900 in federal exemptions is protected in Chapter 7, and a standard-value vehicle is usually exempt. Chapter 13 can protect additional equity through a plan.
Where do New Jersey bankruptcy cases file?
Burlington County cases are filed with the US Bankruptcy Court for the District of New Jersey, Mitchell H Cohen Courthouse, 400 Cooper Street, Camden. Meeting of creditors (341 hearings) are held at federal offices.
Quick Facts: Bankruptcy in Burlington, New Jersey
- US Bankruptcy Court, District of New Jersey: Burlington County cases file in Camden — US Bankruptcy Court District of New Jersey
- Chapter 7 federal homestead exemption: $27,900 per debtor as of current 11 USC §522(d) adjustment — US Courts
- Means Test: Compares household income to NJ median by family size — US Trustee Program
