Edison Bankruptcy Resources | Legal Help & Factual Resources
Helpful Information for Bankruptcy Filings in
Edison — Middlesex County — New Jersey
View the Bankruptcy Rules
View the Bankruptcy Code
View the Federal Rules of Evidence
PACER (Public Access to Court Electronic Records)
If you have previously filed a bankruptcy case in the State of New Jersey or any other state, you can search PACER to obtain information about your case and download copies of the documents. There might also be other court documents pertinent to your bankruptcy filing that you will be able to locate on PACER.
Anyone can set up a PACER account. There are charges for files accessed and downloaded. www.pacer.gov
U.S. Bankruptcy Courts:
www.uscourts.gov/bankruptcycourts.html
New Jersey District Bankruptcy Court
Middlesex County bankruptcy cases will be filed with this bankruptcy court:
Martin Luther King, Jr. Federal Building and United States Courthouse
50 Walnut Street, Room 4015
Newark, NJ 07102
(973) 645-4764
Counties Served:Bergen, Essex, Hudson, Morris, Passaic, Sussex and Union.
An experienced Edison Bankruptcy Lawyer will know the federal laws governing bankruptcy, but will also be familiar with the Local Bankruptcy Court Rules that are specific to each district, and sometimes specific to individual bankruptcy judges. Contact a Middlesex County Bankruptcy Attorney for a free initial consultation regarding Chapter 7, Chapter 13, Chapter 11, or Chapter 12.
Edison 341 Meeting Room Location
As soon as a bankruptcy case is filed, a date is set for the Meeting of Creditors, also known as the 341 Meeting. This meeting gives creditors the opportunity to question the debtor (you) about monies owed and property owned. An average 341 Meeting lasts about 3 to 4 minutes. Your Edison Bankruptcy Lawyer will explain the meeting to you and accompany you to the meeting.
The meeting room location is:
One Newark Center
1085 Raymond Boulevard
Suite 1401 (Chapter 7)
Suite 1400 (Chapter 11)
Newark, NJ 07102
U.S. Trustee
www.usdoj.gov/ust
Chapter 13 Trustees
When your Chapter 13 bankruptcy case is filed with the Court, a Chapter 13 Trustee will be assigned to your case. The Chapter 13 Trustees for the District of New Jersey are:
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Isabel C. Balboa
Cherry Tree Corporate Center 535 Route 38, Suite 580
Cherry Hill, NJ 08002
E-mail: ibalboa@standingtrustee.com
Phone: (856)663-5002
Fax: (856)663-3805
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Marie-Ann Greenberg
30 Two Bridges Road, Suite 330 Fairfield, NJ 07004
E-mail: mag@magtrustee.com
Phone: (973)227-2840
Fax: (973)227-3272
Albert Russo
1 AAA Drive, Suite 101 CN 4853
Robbinsville, NJ 08691
Phone: (609)587-6888
Fax: (609)587-9676
Credit Counseling Services in the Edison area:
All individuals (not business entities) are required to complete credit counseling before their bankruptcy case can be filed – for all chapters of bankruptcy, including Chapter 7, Chapter 13, Chapter 12, and Chapter 11. After the case is filed, individuals must complete the second half of the course which is called debt management. View the Federal Trade Commission's brochure with consumer information about credit counseling and debtor education.
Credit counseling services must be approved by the bankruptcy court in order to provide these classes. In the Edison area, these providers have been approved:
001 Debtoredu LLC
372 Summit Avenue, Jersey City, NJ 07306
(800) 610-3920
Consumer Credit and Budget Counseling, Inc.
299 South Shore Road US Route 9 South, Marmora, NJ 08223
(609) 390-9652
For other approved providers in the Edison area, visit the U.S. Dept. of Justice website.
www.justice.gov/ust/eo/bapcpa/ccde/de_approved.htm
Credit Reporting Agencies:
Your Edison Bankruptcy Attorney may have you sign an authorization form so your credit report can be downloaded directly or you may be asked to obtain your free annual credit report yourself and submit it with your other bankruptcy documentation.
You are entitled to a free annual credit report from the three nationwide credit reporting companies. Don't be tricked by TV ads, email offers, or website banner ads into paying for your credit report. The only authorized source for your free credit report is AnnualCreditReport.com. Visit the Federal Trade Commission's website for more information about your free annual credit report.
Equifax
P.O. Box 740241
Atlanta, GA 30374
1-800-685-1111
www.equifax.com
TransUnion
Consumer Disclosure Center
P.O. Box 390
Springfield, PA 19064-0390
1-800-888-4213
www.transunion.com
Experian
National Consumer Assistance Center
P.O. Box 949
Allen, NJ 75013-0949
1-800-682-7654
www.experian.com
Innovis Consumer Assistance
P.O. Box 1358
Columbus, OH 43216-1358
Tax Returns:
You will be required to file copies of your tax returns for the past 2-3 years; submitting them either to the Trustee or the Bankruptcy Court, depending on local bankruptcy rules.
Federal Tax Returns:
For Information on how to obtain a Tax Return Transcript from the Internal Revenue Service, visit the IRS website or call 1-800-908-9946.
State Tax Returns:
You will need to submit state income tax returns if, during the past 2-3 years, you lived in a state that imposes state and/or local income taxes. (There are 43 states in the United States that have a state income tax.) Contact the state's taxing authority if you need to obtain copies of your tax returns from any of these states.
Vehicle Valuations:
You will need a fair and accurate value for any vehicles you own as of the day of filing your bankruptcy case. You can use online sources, but it is sometimes more accurate to get an estimate from a local used car dealer. Local car dealers have a better idea of what someone would actually pay for a vehicle in their city, which is not always the same as the value in the car buying guides.
Online Vehicle Valuations:
NADA - www.NADA.com
Kelly Blue Book - www.kbb.com
Edmunds - www.Edmunds.com
Local Used Car Dealers (for obtaining vehicle valuations):
Edison Auto Sales Wholesale Division
1840 Woodbridge Avenue
Edison, NJ 08817
(732) 819-8995
Infiniti Ray Catena
900 US Highway 1
Edison, NJ 08817
(732) 603-9617
Mehul Auto Inc
1942 State Route 27
Edison, NJ 08817
(732) 287-1966
Appraisals and Valuations for Real Estate (Real Property)
A fair and accurate value for your real property must be listed on your bankruptcy forms (Schedule A). Although some Trustees and Bankruptcy Courts will use the value assigned to your property by your local tax assessor, it is beneficial to have a local expert, such as an Edison real estate agent, give you a valuation on your property.
Some local Edison area realtors include:
A & J Elite Properties LLC
116 Harding Avenue
N Plf Area, NJ 08820
(908) 822-9222
Appraisal Institute
295 Pierson Avenue
Edison, NJ 08837
(732) 494-4716
Attractive Realty Inc
13 Grandview Avenue W
Edison, NJ 08837
(732) 548-0557
Bence Doris B Realty
98 Dorothy Avenue
Edison, NJ 08837
(732) 549-7757
Middlesex County Bankruptcy Law Firms will review your financial situation, provide you with advice on the bankruptcy process, and show you how you can receive debt relief!
Serving clients throughout Central New Jersey, including Bayonne, Bedminster, Belleville, Bloomfield, Butler, Clifton, East Brunswick, Edison, Elizabeth, Hackettstown, Hoboken, Hopatcong, Irvington, Jersey City, Kenvil, Long Branch, Maplewood, Mendham, Middletown, New York, Newark, North Bergen, North Brunswick, Old Bridge, Parsippany, Paterson, Perth Amboy, Plainfield, Rahway, Readington, Sayerville, Somerset, Sparta, Spring Valley, Summit, Tappan, Teaneck, Union Beach, Union City, Washington, Wayne, Westfield, Wyckoff, Yonkers, areas in the vicinity of CSX North and South Kearny, Newark Liberty International Airport, and other communities in Middlesex County.
Contact an Edison Bankruptcy Attorney today for a free initial consultation.
Other Legal Bankruptcy Lawyers
If for some unforeseen reason, the Edison Bankruptcy Lawyers listed on this site are unable to assist you, please visit the Edison Bankruptcy Lawyers listed on HG.org; or the Edison Bankruptcy Lawyers listed on GetLegal.com; or the Edison Bankruptcy Lawyers on Justia.com