{"id":2271,"date":"2015-12-02T11:37:31","date_gmt":"2015-12-02T11:37:31","guid":{"rendered":"https:\/\/www.karinalucidlaw.com\/?page_id=2271"},"modified":"2022-03-02T16:48:55","modified_gmt":"2022-03-02T16:48:55","slug":"chapter-11-bankruptcy","status":"publish","type":"page","link":"https:\/\/www.karinalucidlaw.com\/chapter-11-bankruptcy\/","title":{"rendered":"Chapter 11 Bankruptcy"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-background-position:left top;--awb-border-sizes-top:0px;--awb-border-sizes-bottom:0px;--awb-border-sizes-left:0px;--awb-border-sizes-right:0px;--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:23px;--awb-padding-bottom:3.5%;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1331.2px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_3_5 3_5 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:60%;--awb-margin-top-large:10px;--awb-spacing-right-large:6.4%;--awb-margin-bottom-large:10px;--awb-spacing-left-large:3.2%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-center fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-div\" style=\"--awb-font-size:40PX;\"><div class=\"fusion-title-heading title-heading-left title-heading-tag fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:15;--minFontSize:15;line-height:2.13;\"><h1 class=\"title-heading-left fusion-live-editable medium-editor-element fusion-responsive-typography-calculated\" style=\"text-align: left; --fontSize:55; line-height: 1.15;\" role=\"textbox\" contenteditable=\"true\" spellcheck=\"true\" data-inline-parent-cid=\"4\" data-inline-override-color=\"text_color\" data-inline-override-font-size=\"font_size\" data-inline-override-line-height=\"line_height\" data-inline-override-letter-spacing=\"letter_spacing\" data-inline-override-tag=\"size\" data-toolbar=\"full\" data-param=\"element_content\" data-medium-editor-element=\"true\" aria-multiline=\"true\" data-medium-editor-editor-index=\"11\" data-placeholder=\"Your Content Goes Here\" data-medium-focused=\"true\" data-fontsize=\"55\" data-lineheight=\"63.25px\">Chapter 11 Bankruptcy<\/h1><\/div><\/div><div class=\"fusion-text fusion-text-1\" style=\"--awb-text-color:#444444;\"><p>Chapter 11 bankruptcy is the form with which people are most familiar as it routinely makes the news when corporations like General Motors or K-Mart are in financial trouble. Partnerships and corporations usually file Chapter 11.<\/p>\n<p>However, debt relief through a Chapter 11 proceeding is also an option for individuals, particularly when they have either too much income or too much debt to qualify for\u00a0<a href=\"https:\/\/www.karinalucidlaw.com\/chapter-7-bankruptcy\/\">chapter 7<\/a>\u00a0or 13 bankruptcy.<\/p>\n<\/div><div class=\"fusion-video fusion-youtube\" style=\"--awb-max-width:600px;--awb-max-height:360px;--awb-align-self:center;--awb-width:100%;\"><div class=\"video-shortcode\"><div class=\"fluid-width-video-wrapper\" style=\"padding-top:60%;\" ><iframe title=\"YouTube video player 1\" src=\"https:\/\/www.youtube.com\/embed\/oQJKSxBHwNo?wmode=transparent&autoplay=0\" width=\"600\" height=\"360\" allowfullscreen allow=\"autoplay; fullscreen\"><\/iframe><\/div><\/div><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:20px;width:100%;\"><\/div><div ><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-1 fusion-button-span-yes fusion-button-default-type freeconsult-updated-1\" target=\"_self\"><span class=\"fusion-button-text\">GET MY FREE CONSULTATION!<\/span><\/a><\/div><div class=\"fusion-separator\" style=\"align-self: center;margin-left: auto;margin-right: auto;width:100%;max-width:20px;\"><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;width:100%;\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_2_5 2_5 fusion-flex-column\" 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class=\"cp-field-html-data    cp-none cp-image-ratio\" data-type=\"cp_image\"  data-action=\"none\" data-step=\"1\"     >\r\n\t<div class=\"cp-rotate-wrap\">\r\n\t\t<div class=\"cp-image-main\"><img loading=\"lazy\" decoding=\"async\" width=\"183\" height=\"78\" data-cp-src=\"https:\/\/www.karinalucidlaw.com\/wp-content\/uploads\/2020\/10\/Lucid-Law-Large.png\" class=\"cp-img-lazy cp-target cp-field-element cp-image\" name=\"cp_image-1\" alt=\"Karina Lucid Law NJ Bankruptcy Attorney\" src=\"\">\r\n\t\t\t<div class=\"cp-field-shadow\"><\/div>\r\n\t\t<\/div>\r\n\t\t\r\n\t<\/div>\r\n<\/div><div id=\"cp_text-1-3675\" class=\"cp-field-html-data    cp-none\" data-type=\"cp_text\" data-field-title=\"Text\"   >\r\n\t<input type=\"text\" class=\"cp-target cp-field-element cp-text cp-form-field cp-form-input-field cp-text-field\"  aria-label=\"Last Name\" placeholder=\"Last Name\" name=\"param[textfield_7116]\" value=\"\" required=\"required\" {{pattern}} {{cp_regx_title}} access_cp_pro autocomplete=\"on\" \/>\r\n<\/div><div id=\"cp_text-2-3675\" class=\"cp-field-html-data    cp-none\" data-type=\"cp_text\" data-field-title=\"Text\"   >\r\n\t<input type=\"text\" class=\"cp-target cp-field-element cp-text cp-form-field cp-form-input-field cp-text-field\"  aria-label=\"First Name\" placeholder=\"First Name\" name=\"param[textfield_5946]\" value=\"\" required=\"required\" {{pattern}} {{cp_regx_title}} access_cp_pro autocomplete=\"on\" \/>\r\n<\/div><div id=\"cp_email-2-3675\" class=\"cp-field-html-data    cp-none\" data-type=\"cp_email\"     >\r\n\t<input type=\"email\"  class=\"cp-target cp-field-element cp-form-input-field cp-form-field cp-email cp-form-field cp-email-field\" aria-label=\"Email\" placeholder=\"Email\" name=\"param[email]\" value=\"\" required=\"required\" data-email-error-msg=\"{{email-error}}\" autocomplete=\"on\" \/>\r\n<\/div><div id=\"cp_text-3-3675\" class=\"cp-field-html-data    cp-none\" data-type=\"cp_text\" data-field-title=\"Text\"   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Toll-free numbers not accepted.\" access_cp_pro autocomplete=\"on\" \/>\r\n<\/div><div id=\"cp_button-3-3675\" class=\"cp-field-html-data   cp-none\" data-type=\"cp_button\"   data-action=\"submit_n_goto_url\" data-step=\"1\"   data-redirect=\"https:\/\/lucidlawdebtreliefattorneys.setmore.com\/\" data-redirect-target=\"_blank\"    >\r\n\t<div class=\"cp-rotate-wrap\"><button type=\"submit\" class=\" cp-target cp-field-element cp-button cp-button-field\"  data-success-message=\"Your message has been submitted. We'll get in touch soon.\" data-get-param=\"false\">GET HELP NOW!<\/button>\r\n\t<div class=\"cp-btn-tooltip\"><\/div>\r\n<\/div><\/div><div id=\"cp_heading-3-3675\" class=\"cp-field-html-data    cp-none cp_has_editor\" data-type=\"cp_heading\"      ><div class=\"cp-rotate-wrap\"><div class=\"cp-target cp-field-element cp-heading tinymce\"  name=\"cp_heading-3\"><p>Ask a question or request a free consultation.<\/p><\/div><\/div>\r\n<\/div>\t\t\t\t\t\t\t<\/div>              \r\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t<\/div><!-- .cp-popup-content -->\r\n\t\t\t\t\t\t      \r\n\t\t<input type=\"hidden\" name=\"param[date]\" value=\"April 27, 2024\" \/>\r\n\t\t<input type='text' class='cpro-hp-field' name='cpro_hp_field_3675' value=''>\r\n\t\t<input type=\"hidden\" name=\"action\" value=\"cp_v2_add_subscriber\" \/>\r\n\t\t<input type=\"hidden\" name=\"style_id\" value=\"3675\" \/>\r\n\t\t\t\t\t\t<\/form>\r\n\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t<\/div><!-- .cp-popup-wrapper -->\r\n\t\t\t\r\n\t\t\t\t\t<\/div><!-- Modal popup container -->\r\n\t\t\t<div class=\"fusion-additional-widget-content\"><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-background-color:#fbd35e;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1331.2px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:10px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:10px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-2\" style=\"--awb-letter-spacing:1.25px;--awb-text-color:#0067b6;\"><h3 style=\"text-align: center;\"><b>STEPS TO THE CHAPTER 11 BANKRUPTCY PROCESS<\/b><\/h3>\n<\/div><div class=\"fusion-content-boxes content-boxes columns row fusion-columns-4 fusion-columns-total-4 fusion-content-boxes-1 content-boxes-timeline-horizontal content-left content-boxes-icon-on-top content-boxes-timeline-layout fusion-delayed-animation\" style=\"--awb-iconcolor:#ffffff;--awb-hover-accent-color:#fbd35e;--awb-circle-hover-accent-color:#fbd35e;\" data-animation-delay=\"350\" data-animationOffset=\"top-into-view\"><div style=\"--awb-backgroundcolor:#ffffff;--awb-iconcolor:#ffffff;\" class=\"fusion-column content-box-column content-box-column content-box-column-1 col-lg-3 col-md-3 col-sm-3 fusion-content-box-hover content-box-column-first-in-row\"><div class=\"col content-box-wrapper content-wrapper-background link-area-box icon-hover-animation-none fusion-animated\" data-animationType=\"fadeIn\" data-animationDuration=\"0.25\" data-animationOffset=\"top-into-view\"><div class=\"heading heading-with-icon icon-left\"><div class=\"icon\" style=\"-webkit-animation-duration: 350ms;animation-duration: 350ms;\"><i style=\"border-color:#0067b6;border-width:1px;background-color:#0067b6;box-sizing:content-box;height:50px;width:50px;line-height:50px;border-radius:100%;font-size:25px;\" aria-hidden=\"true\" class=\"fontawesome-icon fa-check fas circle-yes\"><\/i><\/div><h3 class=\"content-box-heading fusion-responsive-typography-calculated\" style=\"--h3_typography-font-size:15px;--fontSize:15;line-height:1.4;\">MEET WITH A NEW JERSEY BANKRUPTCY ATTORNEY<\/h3><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\">A bankruptcy attorney will review your legal options and help you decide which bankruptcy process is right for you.<\/div><div class=\"content-box-shortcode-timeline\" style=\"border-color:#0067b6;top:60px;-webkit-transition-duration: 350ms;animation-duration: 350ms;\"><\/div><\/div><\/div><div style=\"--awb-backgroundcolor:#ffffff;--awb-iconcolor:#ffffff;\" class=\"fusion-column content-box-column content-box-column content-box-column-2 col-lg-3 col-md-3 col-sm-3 fusion-content-box-hover \"><div class=\"col content-box-wrapper content-wrapper-background link-area-box icon-hover-animation-none fusion-animated\" data-animationType=\"fadeIn\" data-animationDuration=\"0.25\" data-animationOffset=\"top-into-view\"><div class=\"heading heading-with-icon icon-left\"><div class=\"icon\" style=\"-webkit-animation-duration: 350ms;animation-duration: 350ms;\"><i style=\"border-color:#0067b6;border-width:1px;background-color:#0067b6;box-sizing:content-box;height:50px;width:50px;line-height:50px;border-radius:100%;font-size:25px;\" aria-hidden=\"true\" class=\"fontawesome-icon fa-check fas circle-yes\"><\/i><\/div><h3 class=\"content-box-heading fusion-responsive-typography-calculated\" style=\"--h3_typography-font-size:15px;--fontSize:15;line-height:1.4;\">FILE A BANKRUPTCY PETITION FOR RELIEF IN YOUR JURISDICTION<\/h3><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\">\n<p>you must also file a schedule of your assets, liabilities, current income and expenses, contracts and leases, and other financial information.<\/p>\n<\/div><div class=\"content-box-shortcode-timeline\" style=\"border-color:#0067b6;top:60px;-webkit-transition-duration: 350ms;animation-duration: 350ms;\"><\/div><\/div><\/div><div style=\"--awb-backgroundcolor:#ffffff;--awb-iconcolor:#ffffff;\" class=\"fusion-column content-box-column content-box-column content-box-column-3 col-lg-3 col-md-3 col-sm-3 fusion-content-box-hover \"><div class=\"col content-box-wrapper content-wrapper-background link-area-box icon-hover-animation-none fusion-animated\" data-animationType=\"fadeIn\" data-animationDuration=\"0.25\" data-animationOffset=\"top-into-view\"><div class=\"heading heading-with-icon icon-left\"><div class=\"icon\" style=\"-webkit-animation-duration: 350ms;animation-duration: 350ms;\"><i style=\"border-color:#0067b6;border-width:1px;background-color:#0067b6;box-sizing:content-box;height:50px;width:50px;line-height:50px;border-radius:100%;font-size:25px;\" aria-hidden=\"true\" class=\"fontawesome-icon fa-check fas circle-yes\"><\/i><\/div><h3 class=\"content-box-heading fusion-responsive-typography-calculated\" style=\"--h3_typography-font-size:15px;--fontSize:15;line-height:1.4;\">ATTEND THE REQUIRED MEETING WITH CREDITORS<\/h3><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\">\n<p>This meeting is for the <a href=\"https:\/\/www.justice.gov\/ust\">OUST<\/a> to determine if further investigation of the debtor(s) assets and liabilities is necessary.\u00a0 Creditors may attend.<\/p>\n<\/div><div class=\"content-box-shortcode-timeline\" style=\"border-color:#0067b6;top:60px;-webkit-transition-duration: 350ms;animation-duration: 350ms;\"><\/div><\/div><\/div><div style=\"--awb-backgroundcolor:#ffffff;--awb-iconcolor:#ffffff;\" class=\"fusion-column content-box-column content-box-column content-box-column-4 col-lg-3 col-md-3 col-sm-3 fusion-content-box-hover content-box-column-last content-box-column-last-in-row\"><div class=\"col content-box-wrapper content-wrapper-background link-area-box icon-hover-animation-none fusion-animated\" data-animationType=\"fadeIn\" data-animationDuration=\"0.25\" data-animationOffset=\"top-into-view\"><div class=\"heading heading-with-icon icon-left\"><div class=\"icon\" style=\"-webkit-animation-duration: 350ms;animation-duration: 350ms;\"><i style=\"border-color:#0067b6;border-width:1px;background-color:#0067b6;box-sizing:content-box;height:50px;width:50px;line-height:50px;border-radius:100%;font-size:25px;\" aria-hidden=\"true\" class=\"fontawesome-icon fa-check fas circle-yes\"><\/i><\/div><h3 class=\"content-box-heading fusion-responsive-typography-calculated\" style=\"--h3_typography-font-size:15px;--fontSize:15;line-height:1.4;\">MEET WITH A CASE TRUSTEE<\/h3><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\">\n<p>A trustee is <strong>only<\/strong> appointed by the court if the OUST or a creditor shows that the debtor acted unlawfully or inconsistently with his\/her fiduciary duties.<\/p>\n<\/div><div class=\"content-box-shortcode-timeline\" style=\"border-color:#0067b6;top:60px;-webkit-transition-duration: 350ms;animation-duration: 350ms;\"><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-background-position:left top;--awb-border-sizes-top:0px;--awb-border-sizes-bottom:0px;--awb-border-sizes-left:0px;--awb-border-sizes-right:0px;--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:23px;--awb-padding-bottom:3.5%;--awb-background-color:#f7f5f4;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1331.2px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_2_5 2_5 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:40%;--awb-margin-top-large:5%;--awb-spacing-right-large:4.8%;--awb-margin-bottom-large:40px;--awb-spacing-left-large:4.8%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-center fusion-content-layout-column\"><div class=\"fusion-image-element \" style=\"text-align:center;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-zoomin\"><a class=\"fusion-no-lightbox\" href=\"https:\/\/youtu.be\/OQbAOLizAtE\" target=\"_blank\" aria-label=\"Chapter 11 bankruptcy attorney\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" width=\"452\" height=\"271\" alt=\"Chapter 11 bankruptcy attorney\" src=\"https:\/\/www.karinalucidlaw.com\/wp-content\/uploads\/2020\/10\/Chapter-11-bankruptcy-attorney.png\" class=\"img-responsive wp-image-2398\" srcset=\"https:\/\/www.karinalucidlaw.com\/wp-content\/uploads\/2020\/10\/Chapter-11-bankruptcy-attorney-200x120.png 200w, https:\/\/www.karinalucidlaw.com\/wp-content\/uploads\/2020\/10\/Chapter-11-bankruptcy-attorney-400x240.png 400w, https:\/\/www.karinalucidlaw.com\/wp-content\/uploads\/2020\/10\/Chapter-11-bankruptcy-attorney.png 452w\" sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 452px\" \/><\/a><\/span><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-bottom:10px;width:100%;\"><\/div><div ><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-2 fusion-button-default-span fusion-button-default-type freeconsult-updated-1\" style=\"width:calc(100%);\" target=\"_self\"><span class=\"fusion-button-text\">CHECK YOUR ELIGIBILITY<\/span><\/a><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_3_5 3_5 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:60%;--awb-margin-top-large:10px;--awb-spacing-right-large:6.4%;--awb-margin-bottom-large:10px;--awb-spacing-left-large:3.2%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-center fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-2 fusion-sep-none fusion-title-text fusion-title-size-div\"><div class=\"fusion-title-heading title-heading-left title-heading-tag fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:15;--minFontSize:15;line-height:2.13;\"><h3>Are you qualified for a Chapter 11 bankruptcy?<\/h3>\n<div id=\"gtx-trans\" style=\"position: absolute; left: -18px; top: 36.9896px;\">\n<h3 class=\"gtx-trans-icon\"><\/h3>\n<\/div><\/div><\/div><div class=\"fusion-text fusion-text-3\" style=\"--awb-text-font-family:&quot;Open Sans&quot;;--awb-text-font-style:normal;--awb-text-font-weight:400;\"><p>Chapter 11 is often the best option for individuals who have too much value in non-exempt assets that they want\/need to keep for Chapter 7 and who have too much debt to qualify for Chapter 13.<\/p>\n<p>Chapter 11 offers more flexibility than Chapter 13, but it is also a more expensive and time-consuming process. \u00a0Many small business owners prefer to file for Chapter 13 if possible.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-4 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-background-position:left top;--awb-border-sizes-top:0px;--awb-border-sizes-bottom:0px;--awb-border-sizes-left:0px;--awb-border-sizes-right:0px;--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:23px;--awb-padding-bottom:3.5%;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1331.2px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_3_5 3_5 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:60%;--awb-margin-top-large:10px;--awb-spacing-right-large:6.4%;--awb-margin-bottom-large:10px;--awb-spacing-left-large:3.2%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-center fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-3 fusion-sep-none fusion-title-text fusion-title-size-div\"><div class=\"fusion-title-heading title-heading-left title-heading-tag fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:15;--minFontSize:15;line-height:2.13;\"><h3>What are dischargeable debts?<\/h3>\n<div id=\"gtx-trans\" style=\"position: absolute; left: -18px; top: 36.9896px;\">\n<h3 class=\"gtx-trans-icon\">\u00a0<\/h3>\n<\/div><\/div><\/div><div class=\"fusion-text fusion-text-4\" style=\"--awb-text-font-family:&quot;Open Sans&quot;;--awb-text-font-style:normal;--awb-text-font-weight:400;\"><p>Chapter 11 bankruptcy is often referred to as \u201creorganization\u201d bankruptcy because it allows you to restructure your debts and make reduced payment arrangements while maintaining ownership of your property. However, an individual may also use a Chapter 11 process for an \u201corderly liquidation\u201d of assets.<\/p>\n<p>Individual Chapter 11 debtors are usually able to keep their assets including but not limited to real estate, cars, complete ownership of businesses, and household furnishings. In fact, Individual Chapter 11 cases are often used to reorganize the mortgages or other liabilities encumbering real property when a debtor does not qualify for such relief under <a href=\"https:\/\/www.karinalucidlaw.com\/chapter-13-bankruptcy\/\">Chapter 13<\/a> because their case is too complex or they have too much income, too many assets and\/or too many liabilities.<\/p>\n<p>All bankruptcy proceedings have dischargeable and nondischargeable debts.<\/p>\n<\/div><div class=\"accordian fusion-accordian\" style=\"--awb-border-size:0px;--awb-icon-size:25px;--awb-content-font-size:15px;--awb-icon-alignment:left;--awb-hover-color:#f7f5f4;--awb-border-color:#e7e4e2;--awb-background-color:#f7f5f4;--awb-divider-color:#e7e4e2;--awb-divider-hover-color:#e7e4e2;--awb-icon-color:#f09a3e;--awb-title-color:#fbd35e;--awb-content-color:#7e8890;--awb-icon-box-color:#333333;--awb-toggle-hover-accent-color:#f09a3e;--awb-title-font-family:&quot;Open Sans&quot;;--awb-title-font-weight:700;--awb-title-font-style:normal;--awb-title-font-size:15px;--awb-content-font-family:&quot;Open Sans&quot;;--awb-content-font-style:normal;--awb-content-font-weight:400;\"><div class=\"panel-group fusion-toggle-icon-unboxed\" id=\"accordion-2271-1\"><div class=\"fusion-panel panel-default panel-b37d2f7e747fc0405 fusion-toggle-no-divider fusion-toggle-boxed-mode\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_b37d2f7e747fc0405\"><a aria-expanded=\"false\" aria-controls=\"b37d2f7e747fc0405\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-2271-1\" data-target=\"#b37d2f7e747fc0405\" href=\"#b37d2f7e747fc0405\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">DISCHARGEABLE DEBTS<\/span><\/a><\/h4><\/div><div id=\"b37d2f7e747fc0405\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_b37d2f7e747fc0405\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Dischargeable debts are those that you aren\u2019t required to pay back at the conclusion of a proceeding, and they include, among other things, medical bills, credit card debts, personal and business loans that are not secured by collateral.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-481ae592575ae5bac fusion-toggle-no-divider fusion-toggle-boxed-mode\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_481ae592575ae5bac\"><a aria-expanded=\"false\" aria-controls=\"481ae592575ae5bac\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-2271-1\" data-target=\"#481ae592575ae5bac\" href=\"#481ae592575ae5bac\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">NONDISCHARGEABLE DEBTS<\/span><\/a><\/h4><\/div><div id=\"481ae592575ae5bac\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_481ae592575ae5bac\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>You must pay back all nondischargeable debts, which include child support, alimony, and student loans, among others.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-6 fusion_builder_column_2_5 2_5 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:40%;--awb-margin-top-large:5%;--awb-spacing-right-large:4.8%;--awb-margin-bottom-large:40px;--awb-spacing-left-large:4.8%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-center fusion-content-layout-column\"><div class=\"fusion-image-element \" style=\"text-align:center;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-2 hover-type-zoomin\"><a class=\"fusion-no-lightbox\" href=\"https:\/\/youtu.be\/FH9amZ8jpC4\" target=\"_blank\" aria-label=\"Bankruptcy attorney for businesses\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" width=\"453\" height=\"270\" alt=\"Bankruptcy attorney for businesses\" src=\"https:\/\/www.karinalucidlaw.com\/wp-content\/uploads\/2020\/10\/Bankruptcy-attorney-for-businesses.png\" class=\"img-responsive wp-image-2399\" srcset=\"https:\/\/www.karinalucidlaw.com\/wp-content\/uploads\/2020\/10\/Bankruptcy-attorney-for-businesses-200x119.png 200w, https:\/\/www.karinalucidlaw.com\/wp-content\/uploads\/2020\/10\/Bankruptcy-attorney-for-businesses-400x238.png 400w, https:\/\/www.karinalucidlaw.com\/wp-content\/uploads\/2020\/10\/Bankruptcy-attorney-for-businesses.png 453w\" sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 453px\" \/><\/a><\/span><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-bottom:10px;width:100%;\"><\/div><div ><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-3 fusion-button-default-span fusion-button-default-type freeconsult-updated-1\" style=\"width:calc(100%);\" target=\"_self\"><span class=\"fusion-button-text\">ANALYZE YOUR DEBTS<\/span><\/a><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-5 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1331.2px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-7 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:10px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:10px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-bottom:10px;width:100%;\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-8 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:10px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:10px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-5\" style=\"--awb-text-color:#000000;\"><h2 style=\"text-align: center;\">Need help filing bankruptcy?<\/h2>\n<h4 style=\"text-align: center;\">At Karina Lucid Law, we can assist you in filing bankruptcy and help you get a fresh start through bankruptcy.<\/h4>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-9 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-padding-top:4%;--awb-padding-right:8%;--awb-padding-bottom:10%;--awb-padding-left:8%;--awb-bg-color:#fbd35e;--awb-bg-color-hover:#fbd35e;--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:10px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:10px;--awb-spacing-left-large:5.76%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-center fusion-content-layout-column\"><div class=\"fusion-text fusion-text-6\" style=\"--awb-letter-spacing:1.25px;--awb-text-color:#0067b6;\"><p style=\"text-align: center;\"><b>WHO WE ARE<\/b><\/p>\n<\/div><div class=\"fusion-image-element \" style=\"text-align:center;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-3 hover-type-zoomin\"><a class=\"fusion-no-lightbox\" href=\"https:\/\/www.youtube.com\/watch?v=_dkxfwE4ROY\" target=\"_blank\" aria-label=\"New Jersey bankruptcy attorney\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" width=\"302\" height=\"182\" alt=\"New Jersey bankruptcy attorney\" src=\"https:\/\/www.karinalucidlaw.com\/wp-content\/uploads\/2020\/10\/New-Jersey-bankruptcy-attorney.png\" class=\"img-responsive wp-image-2261\" srcset=\"https:\/\/www.karinalucidlaw.com\/wp-content\/uploads\/2020\/10\/New-Jersey-bankruptcy-attorney-200x121.png 200w, https:\/\/www.karinalucidlaw.com\/wp-content\/uploads\/2020\/10\/New-Jersey-bankruptcy-attorney.png 302w\" sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 302px\" \/><\/a><\/span><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-10 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-padding-top:4%;--awb-padding-right:8%;--awb-padding-bottom:10%;--awb-padding-left:8%;--awb-bg-color:#fbd35e;--awb-bg-color-hover:#fbd35e;--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:10px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:10px;--awb-spacing-left-large:5.76%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-center fusion-content-layout-column\"><div class=\"fusion-text fusion-text-7\" style=\"--awb-letter-spacing:1.25px;--awb-text-color:#0067b6;\"><p style=\"text-align: center;\"><b>WHAT TO EXPECT<\/b><\/p>\n<\/div><div class=\"fusion-image-element \" style=\"text-align:center;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-4 hover-type-zoomin\"><a class=\"fusion-no-lightbox\" href=\"https:\/\/www.youtube.com\/watch?v=sKV6s9jT_7k\" target=\"_blank\" aria-label=\"Bankruptcy attorney free consultation\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" width=\"302\" height=\"180\" alt=\"Bankruptcy attorney free consultation\" src=\"https:\/\/www.karinalucidlaw.com\/wp-content\/uploads\/2020\/10\/Bankruptcy-attorney-free-consultation.png\" class=\"img-responsive wp-image-2262\" srcset=\"https:\/\/www.karinalucidlaw.com\/wp-content\/uploads\/2020\/10\/Bankruptcy-attorney-free-consultation-200x119.png 200w, https:\/\/www.karinalucidlaw.com\/wp-content\/uploads\/2020\/10\/Bankruptcy-attorney-free-consultation.png 302w\" sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 302px\" \/><\/a><\/span><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-11 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-padding-top:4%;--awb-padding-right:8%;--awb-padding-bottom:10%;--awb-padding-left:8%;--awb-bg-color:#fbd35e;--awb-bg-color-hover:#fbd35e;--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:10px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:10px;--awb-spacing-left-large:5.76%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-center fusion-content-layout-column\"><div class=\"fusion-text fusion-text-8\" style=\"--awb-letter-spacing:1.25px;--awb-text-color:#0067b6;\"><p style=\"text-align: center;\"><b>WHAT YOU GET<\/b><\/p>\n<\/div><div class=\"fusion-image-element \" style=\"text-align:center;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-5 hover-type-zoomin\"><a class=\"fusion-no-lightbox\" href=\"https:\/\/www.youtube.com\/watch?v=A1CUxu6SpSw\" target=\"_blank\" aria-label=\"Affordable bankruptcy attorneys\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"184\" alt=\"Affordable bankruptcy attorneys\" src=\"https:\/\/www.karinalucidlaw.com\/wp-content\/uploads\/2020\/10\/You-get-what-you-pay-for.png\" class=\"img-responsive wp-image-2263\" srcset=\"https:\/\/www.karinalucidlaw.com\/wp-content\/uploads\/2020\/10\/You-get-what-you-pay-for-200x123.png 200w, https:\/\/www.karinalucidlaw.com\/wp-content\/uploads\/2020\/10\/You-get-what-you-pay-for.png 300w\" sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 300px\" \/><\/a><\/span><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-12 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:10px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:10px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-bottom:10px;width:100%;\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-6 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-background-position:left top;--awb-border-sizes-top:0px;--awb-border-sizes-bottom:0px;--awb-border-sizes-left:0px;--awb-border-sizes-right:0px;--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:50px;--awb-padding-bottom:45px;--awb-padding-right-small:50px;--awb-padding-left-small:50px;--awb-background-color:#333c4e;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:calc( 1280px + 0px );margin-left: calc(-0px \/ 2 );margin-right: calc(-0px \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-13 fusion_builder_column_1_1 1_1 fusion-flex-column fusion-flex-align-self-flex-start fusion-column-no-min-height\" style=\"--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:3%;--awb-spacing-right-large:0px;--awb-margin-bottom-large:3%;--awb-spacing-left-large:0px;--awb-width-medium:100%;--awb-spacing-right-medium:0px;--awb-spacing-left-medium:0px;--awb-width-small:100%;--awb-spacing-right-small:0px;--awb-spacing-left-small:0px;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-4 fusion-sep-none fusion-title-center fusion-title-highlight fusion-loop-off fusion-highlight-underline fusion-title-size-two\" style=\"--awb-text-color:#ffffff;--awb-highlight-width:6;--awb-margin-bottom:24px;\" data-highlight=\"underline\"><h2 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:34;line-height:1.47;\"><span class=\"fusion-highlighted-text-prefix\">Ready to get started on your<\/span> <span class=\"fusion-highlighted-text-wrapper\"><span class=\"fusion-highlighted-text\" style=\"color:#f09a3e;\">fresh start<\/span><\/span> <span class=\"fusion-highlighted-text-postfix\">?<\/span><\/h2><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:-25px;width:100%;\"><\/div><div class=\"fusion-text fusion-text-9\"><p style=\"text-align: center; font-size: 20px;\">Call Now\u00a0<a href=\"tel:9083507505\">(908) 350-7505<\/a>\u00a0and let us lead you to a brighter future!<\/p>\n<\/div><div ><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-4 fusion-button-default-span fusion-button-default-type freeconsult-updated-1\" style=\"width:calc(100%);\" target=\"_self\"><span class=\"fusion-button-text\">SCHEDULE AN APPOINTMENT<\/span><\/a><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:15px;width:100%;\"><\/div><\/div><\/div><\/div><\/div>\n<\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"100-width.php","meta":{"_acf_changed":false,"footnotes":""},"acf":[],"_links":{"self":[{"href":"https:\/\/www.karinalucidlaw.com\/wp-json\/wp\/v2\/pages\/2271"}],"collection":[{"href":"https:\/\/www.karinalucidlaw.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.karinalucidlaw.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.karinalucidlaw.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.karinalucidlaw.com\/wp-json\/wp\/v2\/comments?post=2271"}],"version-history":[{"count":2,"href":"https:\/\/www.karinalucidlaw.com\/wp-json\/wp\/v2\/pages\/2271\/revisions"}],"predecessor-version":[{"id":3685,"href":"https:\/\/www.karinalucidlaw.com\/wp-json\/wp\/v2\/pages\/2271\/revisions\/3685"}],"wp:attachment":[{"href":"https:\/\/www.karinalucidlaw.com\/wp-json\/wp\/v2\/media?parent=2271"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}