Tom Orr: Chapter 13 Bankruptcy Lawyer in Burlington, NJ

Chapter 13 Bankruptcy Lawyer in Burlington, NJ

Chapter 13 Bankruptcy

money, in debt, debt
What Is Chapter 13 Bankruptcy?

Chapter 13 bankruptcy is the complete reorganization of debt for those consumers who have accumulated it. Those consumers who need time to catch up on delinquent payments such as mortgages, taxes, rent, and car payments are eligible to file for Chapter 13 bankruptcy in NJ. Chapter 13 also discharges unsecured debt, allowing the debtor to focus their income on household expenses. Individuals who have a steady monthly income with money leftover each month will, after choosing a payment plan, be required to pay back a portion of their debts over a set period of time.

How Can I Help You?

Filing for Chapter 13 bankruptcy allows the individuals filing to reorganize their finances in a way that is going to put their debt into perspective. As a hardworking and trustworthy bankruptcy professional, it is my job to ensure that you are going about filing in the correct way. Together, we will navigate the often trying waters of bankruptcy and I will assist you in finding ways to potentially lower payments or eliminate extra mortgages all together. 

Filing For Chapter 13 Bankruptcy in NJ:
  • Offers debt repayment plans that work for you and your budget
  • Eliminates second and third mortgages
  • Lowers your monthly car payments
  • Stops vehicle and property repossession
  • Consolidates tax obligations
  • Enables you to catch up on delinquent mortgage payments
  • Allows participation in the Bankruptcy Court Mortgage Modification Program
Filing For Chapter 13 Bankruptcy Will Put A Stop To:
  • Creditor harassment
  • Home foreclosure
  • Threat of repossession
  • Judgments
  • Wage garnishment
  • Sheriff’s sales
  • Lawsuits
  • High interest rates
  • IRS demands
  • Motor vehicle surcharges
Is Chapter 13 Right For You?

If you are interested in learning more about Chapter 13 Bankruptcy in NJ or if filing for Chapter 13 bankruptcy is the best option for you, feel free to contact Tom Orr at 609-386-8700 today for a free consultation! There is life after bankruptcy and it starts here!


Hundreds of thousands of Americans, including consumers and business owners, file for bankruptcy each year. While many think this situation is the result of overspending, most cases are due to financial hardship such as job loss, costly medical bills, divorce, or a poor economy.


I’ve been practicing bankruptcy law in Burlington, New Jersey for over 33 years. With just one location, I can focus exclusively on helping my clients make their way not only through bankruptcy, but well past it. We will work together to explore all of your options and determine if bankruptcy is the right choice for you. The goal is to get you on the path to a new beginning.


If you’re losing sleep, feeling scared or even embarrassed, let’s talk. There is life after bankruptcy and it starts here. My offices are located in downtown Burlington, near the Riverline train stop. I provide Saturday and evening hours as needed. I offer payment arrangements to fit your budget. Contact my office today at ​​609-386-8700.


Start your path towards a new financial beginning. Contact our offices today!
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