THE LAW OFFICE OF
LEAH E. CAPECE

Professional Debt Relief & Foreclosure Defense Services

BENEFITS OF BANKRUPTCY

Struggling with debt can be overwhelming. Constant harassment from bill collectors, the threat of lawsuit, foreclosure or repossession can leave you feeling short of breath or lying awake at night.

Bankruptcy offers immediate relief and can eliminate most debts in as few as 4 months. There are also many options for homeowners facing foreclosure, all of which provide a temporary delay of state court proceedings.  

No More Phone Calls

Stop harassing collection calls and letters immediately upon filing.

Debt Elimination

Completely eliminate credit cards, medical bills, personal/bank loans and many other debts in as little as 4 months.

Put An End To Collection

Lawsuits, judgments, wage garnishments, bank levies, repossessions, foreclosures and sheriff’s sale will immediately suspend.

Lower Car Payments

Reduce monthly car payments (in Chapter 13 only)

Debt Restructuring

Repay some or all of your debts over time with an income-based plan.

Foreclosure Options

Delay sheriff’s sale for up to four months, without payment and without proving cause or hardship to a judge; OR
Resume your mortgage payments, and end the foreclosure process by catching up on missed payments over time ; AND
Modify your mortgage through the federal bankruptcy Loss Mitigation Program;
Reduce or eliminate second mortgages and home equity loans on qualifying property

Bankruptcy Options

Chapter 7

Chapter 7 provides a truly fresh start by eliminating your prior debts and allowing you to keep most or all of your assets. Most cases are concluded within 4 months. For more information on Chapter 7, please see the FAQ page or call for a free consultation.

Chapter 7 Bankruptcy

Chapter 13

Chapter 13 provides breathing room for those who need a little time to get their financial affairs in order. You can press ‘pause’ on lawsuits, foreclosures and repossessions while you work out a new payment plan. For more information on Chapter 13, please see the FAQ page or call for a free consultation.

Chapter 13 Bankruptcy

Chapter 11

Chapter 11 provides an opportunity for businesses to reorganize their debts, maximize their cash flow and stay in business through hard times. Chapter 11 is highly complex and therefore information is only provided during an in-person consultation.

Chapter 11 Bankruptcy

Foreclosure Defense/Mortgage Modification

Bankruptcy offers an alternative to standard foreclose defense methods through the Loss Mitigation Program. Homeowners can apply for modification under the watchful eye of the federal court.
In or out of bankruptcy, correctly preparing a mortgage modification application can mean the difference between saving your home and losing it at a sheriff’s sale. For more information on mortgage modification, please see the FAQ page or call for a free consultation.

Foreclosure Defense/Mortgage Modification

About Leah E. Capece

For the past 8 years, I have devoted much of my practice to clients who have become overwhelmed by debt.

I’ve found that most people have fallen on hard times, or have experienced an unexpected life event that made it difficult to keep up with bills and expenses.

Some clients have experienced an event beyond their control, and others merely suffer from a case of bad luck. Either way, the result is the same: harassing phone calls, intimidating letters, and the threat of lawsuit and repossession.

It can be frustrating and confusing to find a way out when you’ve become this overtaken by debt.

Without question, I make it my priority to bring relief to my clients as soon as possible. I also commit to provide one-on-one counseling, which can help anyone improve their financial future quickly and easily.

Before I started my practice, I worked for various law firms after graduating from Rutgers Law School-Newark in 2008, with Honors. I regularly participate in the Honorable Morris Stern Bankruptcy Project and attend the annual Bench-Bar Conference for continuing bankruptcy education.