Living with debt has become an unfortunate trend for US consumers in recent years. Household consumer debt rose to $17.06 trillion in the first half of 2023. And with consistent spikes in the cost of living, inflation, income loss, and other financial difficulties, that debt is only expected to increase. Most of this reported debt comes from credit cards, mortgages, student loans, personal loans, and medical debts. So, if you are struggling with significant debt, you're not alone—even if it feels like it. Veitengruber Law is a full-service debt relief law firm in Monmouth County, NJ. We can work with you to tackle unmanageable debt. We offer proven solutions for even the most complex financial cases.
Here are just some ways Veitengruber Law helps our clients get on top of debt:
1. Bankruptcy
Bankruptcy is not always the best solution for those struggling with major debt—but you shouldn't write it off either. Many folks fear the consequences of bankruptcy and worry about the stigma attached to it. This stigma can prevent people who can genuinely benefit from bankruptcy from filing—delaying help and landing them in deeper debt. Veitengruber Law is here to demystify and destigmatize the bankruptcy process. Bankruptcy can be a powerful financial tool that can get you out of debt faster than other debt relief methods.
We utilize a holistic approach to debt relief, which includes an analysis of how bankruptcy can help your specific case. We offer a customized approach to bankruptcy because we know every case is different. If you are a prime candidate for Chapter 7 or Chapter 13 bankruptcy, we can work with you to file correctly and on time. We also work with clients to rebuild a more solid financial foundation after bankruptcy.
2. Foreclosure Defense (loan mods, bankruptcy)
Becoming a homeowner is one of the most high-stakes financial decisions you are likely to ever make. There are many financial setbacks that can threaten your investment in your home and lead to foreclosure. If you are concerned about the possibility of foreclosure or even if you have received a notice of foreclosure, Veitengruber Law can help. We are experienced in utilizing a number of legal strategies to defend against foreclosure.
Chapter 13 bankruptcy is a great way to make up mortgage arrears and save your home. We can work with the court to negotiate your debt and develop a payment plan that fits your financial circumstances. Mortgage modification is another great way to avoid foreclosure. We have an outstanding track record of negotiating with lenders to lower monthly payments. Veitengruber Law also provides short sale guidance and real estate closing services if you are unable to save your home.
Whether your goal is to save your home or simply get out of your mortgage with as little debt as possible, we can work with you to discover the best path forward.
3. Debt Negotiation
Bankruptcy is not the only solution for unmanageable debt. There are actually some circumstances where bankruptcy is not the best option. Because we look at debt relief holistically, we explore all options before coming up with a solution. We offer comprehensive debt relief counseling and representation. We can create an individualized plan to get your household or business back on a realistic budget.
We understand how creditors operate. We use our insider knowledge to develop appropriate solutions that benefit you and your financial health. Our debt negotiation solutions include the following:
We can help you find financial stability.
4. Credit Repair
After struggling with major debt for a long time, it is common for individuals to have low credit scores. Bankruptcy, debt settlement, and other debt relief solutions can also adversely impact your credit score and result in negative marks on your credit report. Low credit can make it challenging to get approved for loans, mortgages, credit cards, rental housing, and other essential financial things. But even the worst credit scores can be improved. Once your debt is taken care of, Veitengruber Law can offer credit repair solutions to improve your score and ensure you get to enjoy the full benefits of your new financial freedom.
We believe that bankruptcy and other debt relief solutions should not be considered the end of the line but the start of a brighter financial future. We follow through on this belief by offering personalized credit repair services. We provide detailed counseling on improving your credit. We can even provide representation to help you remove damaging errors or inaccurate information from your credit report. As your credit improves, so will your chances of securing loans, additional credit, and better terms on your lines of credit.
You do not have to deal with the stress and anxiety of unmanageable debt alone. Veitengruber Law can help you devise a solution that works for your specific situation. Please do not struggle alone. Call us today for your free consultation.
Main Address
1720 Highway 34
Suite 10,
Wall Township, NJ 07727
Bordentown Office
(By Appointment Only)
33 Third Street 2nd Floor Suite 3
Bordentown, NJ 08505
Metuchen Office
(By Appointment Only)
247 Main Street
Metuchen, NJ 08840
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Legal Disclaimer:
George E. Veitengruber III is a New Jersey attorney, practicing New Jersey law exclusively in New Jersey. None of the information contained herein should be deemed to apply in other states, nor may this page be construed in any way as an attempt by Mr. Veitengruber to practice law in any state other than New Jersey. This page is intended to provide general information about our firm and its areas of practice to our current and potential clientele. It is not intended to give legal advice to anyone on any subject. That can only be done through a complete consultation with one of our attorneys. Legal advice obtained through this site does not create an attorney-client relationship, and the reader should not rely on same. According to the Supreme Court of New Jersey, and pursuant to the New Jersey Rules of Professional Conduct, this may be considered an “advertisement.” Before making your choice of attorney, you should give this matter careful thought. The selection of an attorney is an important decision. If the representations made on this page are inaccurate or misleading, you may report this to the Committee on Attorney Advertising, Hughes Justice Complex, CN 037, Trenton, NJ 08625. We are a federally designated debt relief agency — we help people file for bankruptcy. Information provided regarding “legal questions” or “bankruptcy updates” is for informational purposes only. While we hope and believe the information will be helpful, we do not warrant that the information is accurate or complete. Information is provided only in accordance with New Jersey and/or Federal Law. We are not licensed to practice law in any states other than New Jersey. The information does not constitute legal advice and should not be relied on as such. If you want legal advice, please consult a local lawyer directly. While we would welcome the opportunity to be that lawyer, we do not accept clients or render advice until the completion of a client intake form and a signed retainer agreement.