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Get Out of Debt With


Stop a Sheriff Sale, Get A Loan Modification, Save Your Home From



New Jersey Bankruptcy Lawyers

Nobody wants to file for bankruptcy but we take all of the pain out of it with our easy process while we treat you with respect and dignity.


Debt Free for a "fresh start"

If you are drowning in credit card debt, medical bills, your wages are being garnished, or about to have your car reposessed, chapter 7 bankruptcy can help. 

Chapter 7 is an outright discharge of all of your debts. You will debt free for a "fresh start".

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Repay some debts, discharge others

If you may lose your home to a foreclsure or there is a sheriff sale scheduled, chapter 13 bankruptcy may help.

Chapter 13 is a reorganization of your debts and allows you to discharge some debts while re-paying others.

Typically used to save a home from foreclosure.

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Reorganization for small busineses

If you are a small business and want to re-organize your debts while keeping your business open, chapter 11 Bankruptcy may be an effective strategy.

Develop a plan which allows you to keep your business open and manage business debts.

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We Have Helped Hundreds Just Like You. 

Let Us Help You Lift The Weight of the World Off Your Shoulders.


Todd Murphy and his skilled professional staff, will walk you through all your options in the bankruptcy process, and make it faster and easier than you ever thought possible. We have over 20 years of New Jersey legal experience. 


  • Free consultation
  • No office visit required
  • Payment Plans
  • Discharge your debts
  • Rebuild Your Credit

What Our Clients Say

foreclosure loan modification lawyer new jersey bankruptcy

"I had given up hope"

"I desperately tried to get a loan mod, but kept being denied. I had been scammed by people who promised that they could help me. I thought that I had run out of options, but then the sheriff sale notice was nailed to my front door, and I decided to make one more call. With Todd Murphy's help I was able to stop the sale and save my home."  

Joanne - Foreclosure Client

Luke chapter 13 bankruptcy

"I was able to save my home from foreclosure after months of trying."

I was trying for months to get a loan modification but every time the bank told me I didn't qualify. Then we found Todd Murphy Law and filed a Chapter 13 Bankruptcy right before our home was sold at a sheriff sale. Wow! Were we glad we did. We were able to pay back all our missed payments over 60 months and started to pay our mortgage again right away. A Chapter 13 Bankruptcy saved our home when a loan modification could not.  

Jack - Chapter 13 Bankruptcy Client

Luke chapter 7 bankruptcy

"I immediately felt the weight of the world lifted from my shoulders."

"I lost my job last year and immediately couldn't keep up. With Chapter 7 Bankruptcy, I eliminated all of my debts. Iā€™m rebuilding my credit and in two years I should have my credit score back up to 750.ā€ 

Dave, Chapter 7 Bankruptcy Client

Call for a Free 30 minute phone consultation


Simple Three Step Process


  • Sign Up For A Payment Plan
  • Answer Some Questions
  • Submit Documents


  • Meet With The Bankruptcy Trustee in a Brief Non-Adversarial Meeting


  • Rebuild Your Credit With Our Simple Program

Payment Plans

Our fees and costs are low

  • Best Rates on Chapter 7 Cases
  • Best Rate on Chapter 13 Cases

We Have The Most Convenient Payment Terms

  • Pay One Price To Get the Best Deal, Or
  • Sign Up For One of Our Convenient Payment Plans

Call for a Free 30 minute phone consultation


OR use the chat box in the bottom right corner of your screen

About Todd Murphy

new jersey, bankruptcy lawyer, foreclosure

An Experienced Bankruptcy and Foreclosure Lawyer For The People. 

Todd Murphy Bankruptcy Lawyer 

Let Us Show You How We Help You With Debts and Credit Collectors or Save Your Home From Foreclosure  

Todd Murphy has a passion for working with people ā€“ real people ā€“ and helping them find the right solution for their problems.  

With over 20 years of helping people get out of tough financial situations, Todd Murphy, with his team of experienced lawyers and paralegals, can give you the knowledge and expertise you need at a price you can afford.

Convenient Newark Location

Get In Touch

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