I am New Jersey bankruptcy lawyer Joel R. Spivack, Esq. I provide comprehensive debt relief services, including Chapter 7 and Chapter 13 filings, mortgage modifications and other solutions that may be helpful in your situation. I have been practicing consumer bankruptcy law since 1990. In 1995, I opened my Cherry Hill, NJ law office. Since then, I have helped thousands of people in Camden, Burlington and Gloucester counties and surrounding communities get fresh starts on their finances. Let me help you.