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If you are considering Chapter 13 bankruptcy or Chapter 7 bankruptcy and not sure what your first steps should be, know that you’re not alone. We are here to help. 

Please contact Leonard R. Boyer, Esq. of Boyer Coffy LLC today to schedule a free consultation.

Leonard R. Boyer, Esq. of Boyer Coffy LLC, Clifton, New Jersey
Bankruptcy Law Services

Helping small businesses, individuals and families regain control of their financial futures and potential discharge of student loans. We also help family farmers.

With offices located in Clifton and Maplewood NJ. We serve all 21 counties of NJ.

Welcome to Leonard R. Boyer, Esq. of Boyer Coffy LLC, a nonjudgmental law firm. For many families in the Clifton, New Jersey area, financial hardship may leave you uneasy and unsure of who you can turn to for your bankruptcy needs. We understand that bankruptcy can be a scary process, especially if you are doing it alone. But you don’t have to.

Located in Clifton, New Jersey, Leonard R. Boyer, Esq. of Boyer Coffy LLC is a bankruptcy law firm helping hundreds of individuals and families regain financial control and have a fresh start in life. Offering affordable pricing and payment plans, bankruptcy attorney Leonard R. Boyer, Esq. and Leonard R. Boyer, Esq. of Boyer Coffy LLC have extensive experience helping people file Chapter 7 or Chapter 13 bankruptcy.

To evaluate your potential eligibility of student loan discharge there is a $500 fee.

We will guide you every step of the way so that you get the fresh financial start that you deserve. Read more about our mission: “Helping individuals and families regain control of their financial futures.”

Take Back Your Life with
Leonard R. Boyer, Esq. of Boyer Coffy LLC

Clear your debt, protect your assets, and move forward with confidence

If you’ve been a victim of a debt settlement or debt consolidation service we may be able to recover all of the funds you paid them.

Eliminate

  • Harassing creditor calls
  • Foreclosure threats
  • Wage and bank account seizures
  • Vehicle repossession
  • Utility shutoffs
  • IRS actions and lawsuits

Protect

  • Your home and vehicle
  • Your paycheck and future earnings
  • Your household essentials
  • Retirement and insurance funds
  • Social Security benefits
  • Tools you need for work
  • Your health and peace of mind

Discharge

  • Overwhelming credit card debt
  • Payday & personal loans
  • Medical bills
  • Certain tax debts
  • Bad mortgages & timeshares
  • Old judgments and fines
  • Stress, worry, and fear

Schedule a Consultation for Leonard R. Boyer, Esq. of Boyer Coffy LLC

Take the first step toward your fresh financial start—speak with our bankruptcy team today. I’m with you before, during and after. Find out exactly what I mean by that.

 

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973-798-6131

New Jersey Bankruptcy Services

Providing clients with services throughout most of New Jersey.
Our New Jersey’s Trusted Bankruptcy Attorney And His Team Specialize In

Our bankruptcy attorney and his team take the stress out of bankruptcy by handling all of the legalities involved in the process.
From preparing and filing the petition to advocating for you before the bankruptcy trustee and the court, we’ll provide the
caliber of representation you need to make everything as thorough, convenient, and favorable as possible

Chapter 7 Bankruptcy

Chapter 7, often called straight bankruptcy, is a liquidation process designed to help individuals eliminate most unsecured debts quickly and efficiently. For many people, it’s the fastest path to a clean slate in most cases, the process takes less than five months from filing to discharge.

What You Keep

Contrary to common fears, filing Chapter 7 does not mean you lose everything. Both the State of New Jersey and the federal government offer exemptions that protect your home, car, household items, retirement accounts, and more.

When Chapter 7 May Be Right for You

  • You want to eliminate most unsecured debts (credit cards, medical bills, personal loans).
  • You have limited income and little or no non exempt property.
  • You want a quick, clean start without a repayment plan.

If it turns out that some of your assets aren’t fully exempt, we’ll explore Chapter 13 bankruptcy as an alternative, so you can keep what matters most while still finding relief from debt.

Leonard R. Boyer, Esq. of Boyer Coffy LLC will carefully review your financial situation, explain every option, and guide you through the process step-by-step.

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Chapter 13 Bankruptcy

Chapter 13 is the chapter of the Bankruptcy Code that involves reorganization for individuals. Chapter 13 allows an individual to propose a plan to repay creditors over three to five years. In most cases, Chapter 13 allows you to pay your unsecured creditors (e.g., credit cards, medical debt, personal loans, etc.) only a fraction of what is owed. There are many reasons why Chapter 13 could be the right choice for you. Leonard R. Boyer, Esq. of Boyer Coffy LLC will thoroughly review your options with you before you file.

Eligibility for Chapter 13 Bankruptcy

Unlike Chapter 7, most individuals qualify for Chapter 13 bankruptcy. The following are the main requirements to file Chapter 13 bankruptcy: 

1

You must have a source of income

Chapter 13 requires you to make monthly payments according to a Chapter 13 plan. You need a regular source of income to make these payments.

2

Your total debt balances must be below certain amounts As of April 1, 2025, the limits are $526,800 for unsecured debt and $1,580,125 for secured debt.
As long as you meet these requirements, you should qualify to file a Chapter 13 bankruptcy.
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Why Choose Leonard R. Boyer, Esq. of Boyer Coffy LLC?

Proven experience, personal attention, and a clear path to a fresh financial start.

Years of Combined Legal Experience
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Meet Your Legal Team

Dedicated Team of highly experienced paralegals committed to guiding you through every step of the bankruptcy process

Leonard R. Boyer, Esq.

Leonard R. Boyer, Esq. joined the New Jersey Bar in 1984 and earned a strong reputation as a skilled trial lawyer, focusing on divorce and family law with empathy shaped by his blue-collar roots. A New York Law School graduate who completed his degree in 2.5 years, he also holds dual bachelor’s degrees from SUNY Buffalo. As co-founder of Boyer Coffy, LLC and a Moot Court Judge, he delivers personalized client service and mentors aspiring attorneys.

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Real Stories, Real Results

From Client to Advocates, Dedicated Legal Trust

I had the great fortune of being recommended to Attorney Boyer during crunch time to handle a case against a major bank. He is a true professional with a wealth of knowledge when it comes to law. He is super responsive and I have always received a call or email back from him within hours, which I think is very respectful given his work load. If you need your problem solved and get what is best in it for you, I highly recommend Attorney Boyer. Attorney Boyer took me personally from a place of turmoil in my life to stability within a few weeks so in my book he far exceeded my expectations!

Henri

Boyer Coffy, LLC was the most professional law firm that I have ever worked with in my professional career. The communication between the firm and myself was flawless and consistent. The pricing for my issue (Chapter 7 Bankruptcy) was fair and “flat rate” rather than ridiculous “per hour” rates charged by most law firms. I would recommend Mr. Leonard R. Boyer, Esq. as an attorney for any legal issue. “Affordable expertise” is written on their business cards, and it is true to form. Please contact them for any of the legal issues that they deal with. You will not be disappointed!

Robert

When my wife and I met Mr. Boyer, we had tried a couple of loan modification companies to try to save our home from foreclosure. They made all sorts of promises, but in the end, we were facing a sheriff sale in 3 weeks. Mr. Boyer explained how we could not only stop the sheriff sale, but also seek a loan modification through the Bankruptcy Court’s mortgage modification program. We retained him and he gave us his business card. We were always able to reach him. The sheriff sale was stopped by the Bankruptcy and we were just approved for a permanent loan modification. Mr. Boyer and his staff were very helpful and professional.

Sal
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Frequently Asked Questions?

What is Chapter 13 Bankruptcy?
Chapter 13 bankruptcy is a reorganization process that allows individuals with regular income to repay all or a portion of their debts through a structured payment plan lasting three to five years. Instead of liquidating assets, Chapter 13 helps you catch up on missed payments, protect your property, and often pay unsecured debts—such as credit cards and medical bills—at a reduced amount.

Chapter 7 bankruptcy involves liquidation and is sometimes called straight bankruptcy. For most people, a Chapter 7 bankruptcy filing is a fairly simple and quick proceeding. In most cases, it takes less than three months after filing for an individual to receive a discharge of debts.

Most individuals and businesses can file for bankruptcy if they meet certain requirements, which depend on the type of bankruptcy. An attorney can evaluate your specific financial situation to determine your eligibility and the most appropriate chapter to file.
Married couples have the option to file a joint bankruptcy petition, which is often more efficient and cost-effective than filing separately. It combines your debts and assets into a single case, but it is not required. You can discuss the pros and cons of joint versus individual filing with your attorney.

The duration of a bankruptcy case varies by chapter. A typical Chapter 7 case is completed in about three months. A Chapter 13 case, which involves a repayment plan, generally lasts between three to five years from the date the plan is confirmed by the court.

Bankruptcy laws are federal, but New Jersey exemptions protect certain assets like equity in your home, a vehicle, and personal belongings. The immediate impact is an automatic stay that stops collection actions, providing relief. In the long term, it can offer a fresh start while allowing you to retain essential property under New Jersey law.
Yes, but there are waiting periods between filings. The length of time depends on the chapter you previously filed and the chapter you wish to file now. For example, you must typically wait eight years after a prior Chapter 7 discharge to file another Chapter 7 case. An attorney can advise you on your specific timing.
Not necessarily. In a Chapter 7 case, many assets are protected by state and federal exemption laws. In New Jersey, exemptions can shield your home, car, retirement accounts, and household goods. In a Chapter 13 case, you typically keep all your assets while repaying a portion of your debts through a court-approved plan.

FREE CASE EVALUATION

Secured virtual consultations are available as well as in person consultations.

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Consent(Required)

Free Consultation

973-798-6131