The Law Offices of Vallejos & Morales, P.C. welcomes you to its website. Our website has been designed to help potential and current clients understand the areas of law in which we practice. Moreover, it can be used as a useful guide to simplify the legal process in your particular situation. Our office is dedicated to answering all of your questions, addressing your concerns, legal advisor services, discussing with you the various options available to you, and achieving the very best possible result the law allows.

We provide personal attention to you without delegation to an associate or colleague so that we become knowledgeable about your particular circumstances. We further work hard to ensure you receive value, which is the best guarantee of your continued patronage.

We have two office locations to better serve our clients in Legal services in New Jersey, USA.

Achievements

	December 2006
	The Law Offices of Vallejos & Morales, P.C. incorporates with the State of New Jersey.

	March 2007
	Vallejos & Morales, P.C. opens its first office in Hoboken, New Jersey. Andrew B. Vallejos, a former Prosecutor with the City of Newark, joins Peter J. Morales, a former Associate with the Law Firm of Nemergut & Duff and former Law Clerk to the Honorable Jamie D. Happas, J.S.C. to form the firm. Both attorneys are graduates from Rutgers University, School of Law - Camden. The firm's primary areas of practice are Divorce (Family Law), Worker's Compensation, Personal Injury, Real Estate and Immigration.

	August 2007
	The firm expands its areas of practice to include Bankruptcy, Social Security Disability, Discrimination, Expungements, Adoptions, Business Formation, Name Changes, Wills and Estates.

	January 2010
	Law Offices of Vallejos & Morales, P.C. opens an office in Hightstown, New Jersey catering to its South Jersey clients. The office location is 200 Mercer Street, Suite D, Highstown, New Jersey 08520 (609) 371-3600.

	February 2010
	Law Offices of Vallejos & Morales, P.C. opens another office in Elizabeth, New Jersey (Union County). The office location is 1139 East Jersey Street, Suite 208, Elizabeth, New Jersey 07201 (908) 351-8700.

	March 2010
	Andrew B. Vallejos, Esq. returns as part-time Municipal Court Prosecutor with the City of Newark.

BANKRUPTCY

Bankruptcy is a federal court process designed to help consumers and businesses eliminate their debts (liquidation) or repay them (reorganization) under the protection of the bankruptcy court. Once a Bankruptcy petition is filed, creditors are prohibited from contacting you regarding collection of the debts listed in your bankruptcy petition.

The most common form of bankruptcy filed by individuals or consumers is Chapter 7. Under a Chapter 7 filing, consumers are entitled to certain exemptions with respect to their property so that their property is not taken and sold to pay back some of their debt. Typically, under Chapter 7, individuals or consumers are commonly able to retain all of their property and achieve the elimination of all of their unsecured debts. Conversely, under a Chapter 13, consumers usually also get to keep all of their property but they must make monthly payments over 3 to 5 years to repay all or some of their debt.

Not everyone is eligible to file for Chapter 7. Changes to the bankruptcy laws passed in 2005 prohibit some filers with higher incomes from using Chapter 7 bankruptcy. In order to figure out whether you qualify for Chapter 7, you must measure your "current monthly income" against the median income for a household of your size in your state. If your income is less than or equal to the median, you can file for Chapter 7 bankruptcy.

If it is more than the median, however, you must pass "the means test" in order to file for Chapter 7. The new law also requires individuals to get credit counseling before they can file a bankruptcy petition and additional counseling on budgeting and debt management before their debts can be wiped out.

If you are interested in discussing your eligibility for bankruptcy, please feel free to contact our office at the following numbers for a free consultation:

Elizabeth office now :- (908) 351-8700
Hightstown office :- (609) 371-3600

Vallejos & Morales P.C.

Achievements

BANKRUPTCY