Ralph A. Ferro Jr., Esq. Law Office: Your Bankruptcy Solution in Little Falls, NJ

Ralph A. Ferro Jr., Esq. Law Office Introduce

When overwhelming debt, creditor harassment, and the threat of foreclosure become a part of your daily life, it can feel like there is no way out. The stress and anxiety of financial hardship can be immense, but for residents of New Jersey, there is a path to relief. Ralph A. Ferro Jr., Esq. Law Office is a dedicated and highly-regarded bankruptcy attorney specializing in helping individuals and businesses navigate these difficult times. Located in Little Falls, this firm is known for its expert legal guidance, personalized service, and a genuine commitment to helping clients find financial freedom.

The practice of Ralph A. Ferro Jr. is built on a foundation of deep knowledge and direct, personal client care. Unlike larger firms where you might be passed from one associate to another, Mr. Ferro personally handles each case from start to finish. This hands-on approach ensures that he is fully familiar with every detail of your situation, allowing him to provide the most effective and tailored legal strategy. The reviews from satisfied clients consistently praise his responsiveness and his unwavering availability, which is a rare and invaluable quality in the legal profession.

In a field as sensitive as bankruptcy, finding an attorney who is not only a "master of his craft" but also kind and professional is crucial. The testimonials from clients speak to a no-nonsense, results-driven approach that is paired with a reassuring demeanor. Mr. Ferro understands the emotional weight of financial distress and works to make the entire process as easy and painless as possible. He is a guide, an advocate, and a partner who will help you understand all your options and choose the right path for your future.

This article will provide an in-depth look at the services offered by Ralph A. Ferro Jr., Esq. Law Office, its convenient and accessible location, and the features that make it a standout choice for anyone in New Jersey facing financial turmoil. From free consultations to a personal commitment to every client, you will discover why this office is considered one of the best in the state.

The law office of Ralph A. Ferro Jr., Esq. is conveniently located at 66 E Main St 3rd floor, Little Falls Township, NJ 07424, USA. This location is easily accessible for residents throughout New Jersey, making it a practical choice for those in need of expert bankruptcy services. The firm has made a conscious effort to ensure its office is welcoming and accessible to all clients.

Accessibility features are a key highlight of this office. There is a wheelchair accessible parking lot, a wheelchair accessible restroom, and an overall commitment to onsite services. This ensures that clients with mobility challenges can visit for an in-person consultation without any logistical issues. Additionally, the office offers free on-site parking in a lot, which adds a layer of convenience and eliminates the stress of searching for a parking spot.

The firm’s focus on providing a comfortable and inclusive environment is also reflected in its amenities. The office has a gender-neutral restroom, and is designated as an LGBTQ+ friendly and transgender safespace. This shows a commitment to creating a respectful and supportive atmosphere for every client who walks through the door, allowing them to feel at ease while discussing deeply personal financial matters.

Ralph A. Ferro Jr.'s practice is highly specialized, focusing on a range of bankruptcy and financial services. His expertise in this field is well-documented, and he is a board-certified consumer bankruptcy lawyer. The services offered are comprehensive and designed to provide a full-spectrum solution for individuals and businesses facing debt.

Bankruptcy Representation: Mr. Ferro provides expert representation for various types of bankruptcy, including Chapter 7, Chapter 13, and Chapter 11 bankruptcy. He handles both personal and corporate bankruptcy cases, guiding clients through the complex process of filing and court proceedings.
Free Services: The firm offers several free services, which is a significant benefit for people already under financial strain. This includes a free bankruptcy consultation, assistance with creditor harassment, and help with repossession and foreclosure services.
Debt Relief and Foreclosure Services: The practice assists clients with a wide range of debt-related issues. This includes debt settlement, foreclosure services, and help with wage garnishments, bank account levies, and harassing phone calls.
Mediation and Legal Counsel: Mr. Ferro provides mediation services and legal counsel to help clients resolve disputes and find alternatives to bankruptcy when appropriate. He is known for his ability to achieve positive settlement results, helping clients avoid court trials.
Additional Services: The firm's expertise extends to managing various other financial issues such as student loan debt, payday loans, and legal assistance with IRS collection actions and lawsuits. He also assists small businesses with reorganization.

The firm’s detailed list of services shows a deep understanding of the challenges clients face and a commitment to providing thorough and effective solutions.

The Ralph A. Ferro Jr., Esq. Law Office stands out for several key features that make it a premier choice for legal services in New Jersey.

Direct Attorney Access: As confirmed by multiple reviews, Mr. Ferro is incredibly responsive and personally available to his clients. He provides his cell phone number and is known to respond to calls and emails "anytime," including day or night. This level of accessibility is a powerful testament to his dedication and a feature that is rare in the legal field.
Free Consultations: The offer of a free consultation, particularly for bankruptcy, allows potential clients to discuss their financial situation and explore their options without any upfront cost. This shows confidence in his ability to help and a genuine desire to provide assistance.
Specialized Expertise: Mr. Ferro is board certified in consumer bankruptcy law by the American Board of Certification (ABC). According to public information, he is one of only a handful of attorneys in New Jersey with this certification, making him a true expert in his field.
High Success Rate: The firm boasts a 100% success rate for all filed Chapter 7 bankruptcy cases. This fact, along with positive client outcomes in various other cases, provides immense confidence to new clients.
Personalized and Compassionate Service: Clients consistently describe Mr. Ferro as friendly, professional, and genuinely caring. He takes the time to explain everything and makes a difficult process "easy and painless," as noted in a review.
Inclusive Environment: The office's commitment to being an LGBTQ+ friendly and transgender safespace with a gender-neutral restroom demonstrates a dedication to serving a diverse community with respect and dignity.

These features together create a legal practice that is not only highly competent but also deeply humane and client-focused.

To connect with Ralph A. Ferro Jr., Esq. Law Office and take the first step toward financial relief, you can use the following contact information:

Address: 66 E Main St 3rd floor, Little Falls Township, NJ 07424, USA
Phone: (201) 446-5904

Appointments are recommended, and with the free consultation available, there is no risk in reaching out to discuss your situation.

Choosing the right attorney for a sensitive and high-stakes issue like bankruptcy is one of the most important decisions you can make. Based on the overwhelming positive feedback and public data, Ralph A. Ferro Jr., Esq. Law Office is a top choice for several compelling reasons.

The combination of specialized knowledge and exceptional personal service is what truly sets Mr. Ferro apart. His board certification in consumer bankruptcy law assures you are working with a verified expert. This is not a general practice; it is a law office dedicated to bankruptcy, foreclosure, and debt relief. The depth of knowledge that comes with this specialization is invaluable.

Furthermore, the constant availability and personal attention mentioned in the reviews are a game-changer for someone under financial stress. Knowing that your attorney is always accessible and that your case is never handed off to an unknown associate provides a level of comfort and trust that is hard to find.

Finally, the proven track record of success and the glowing testimonials from people who have been through the process themselves are the ultimate proof of the firm’s value. Clients consistently report feeling at ease and that the process, which can be intimidating, was made simple and effective. For anyone in New Jersey needing to take control of their financial future and get a fresh start, choosing Ralph A. Ferro Jr. is not just a good decision, but a highly recommended one.

Ralph A. Ferro Jr., Esq. Law Office Services

Bankruptcy Attorney
Bankruptcy representation
Many times prior to Court with expensive litigation, Mediation Services help resolve your matter. Mr. Ferro is a Board Certified Bankruptcy Lawyer. Mr. Ferro completed the St. John's University Mediation Program School of Law. However if litigation is required, Mr. Ferro is there for you.
Chapter 11 bankruptcy
New laws in 2020, allow many more options for individuals and businesses to file for Chapter 11. With Subchapter V - costs are lower, quicker and less paperwork. Allows you to reorganize your debts and keep your assets in the most cost effective manner possible.
Chapter 13 bankruptcy
Individuals Only: Keep your home and car by reorganizing past due payments spread out over 3-5 years. Keep your assets while paying a portion of your unsecured debts with no interest.
Chapter 7 bankruptcy
Individuals and Businesses Chap 7 is most common bankruptcy. If you quality, you will wipe out all of your debts and get a fresh start.
Corporate bankruptcy
After meeting with you, Mr. Ferro, Board Certified Bankruptcy Lawyer, will determine whether Chapter 7, 11, or 11 Subchapter V would provide you with the bankruptcy protection you need and the ability to regain your business successes. Your business may need a reorganization to get back on tract.
Creditor harassment Free
If creditors are harassing you, call me for a free bankruptcy consultation. I can recommend if filing bankruptcy is right for you. Creditors can no longer contact you the moment you file bankruptcy. Call me now for a free NJ bankruptcy consult: Ralph A. Ferro, Jr., Esq. (201) 446-5904
Debt settlement
There are times when you are ineligible to file bankruptcy or that is not a consideration for you. Mr. Ferro, a NJ Board Certified bankruptcy lawyer, will work with you and your creditors to resolve your outstanding debts. There are many options that I can help you financially. Contact me
Foreclosure services Free
If your house is in foreclosure or you are falling behind in your mortgage payments, I can help you. I can STOP the foreclosure immediately, even the Sheriff's sale is tomorrow. Filing bankruptcy may be a option for you. Call me: Ralph A. Ferro, Jr., Esq. (201) 446-5904
Personal bankruptcy
Chapter 7, 11 or 13. I meet with you and determine what is the best bankruptcy option based upon your individualized circumstances. Free consultation.
Repossession Free
Free bankruptcy consultation. Is your car getting repossessed? Or will it be soon? I can advise you whether bankruptcy is the right option for you. Call me: Ralph A. Ferro, Jr., Esq. (201) 446-5904
Wage garnishment
Stop Wage garnishments immediately with bankruptcy protection. Filing Chapter 7, Chapter 11 or Chapter 13 Bankruptcy stops garnishments the same day. Don't let your wages and earnings suffer. Call me and I will contact your creditors and the Sheriff to stop deducting from your paycheck.
Bank Account Levies
Bankruptcy Assistance
Bankruptcy Case
I never recommend that a client "go it alone" when filing bankruptcy. Bankruptcy has very strict and specific requirements. By filing yourself, I have seen many clients end up in a worst position than before they filed their own bankruptcy case. Call me for a free consult.
Bankruptcy Consultation Free
Free NJ Bankruptcy Consultation. Ralph A. Ferro, Jr., Esq. Call Now: (201) 446-5904 Board Certified Bankruptcy Lawyer
Bankruptcy Education
Ralph A. Ferro, Jr., Esq. is Board Certified in Consumer Bankruptcy Law by the Amer. Board of Certification. Mr. Ferro is 1 of 2 Northern NJ lawyers with this distinguished title. Mr. Ferro shares knowledge and expertise providing you with the best bankruptcy law advice and protection possible.
Bankruptcy Filings
Filing Bankruptcy is nothing to be ashamed of. This mechanism is available to all residents of the U.S.. Thousands per day file bankruptcy. Bankruptcy protection is provided by our United States government. As a bankruptcy lawyer, I provide bankruptcy help & offer a free consult; Call me.
Bankruptcy Help
I understand that financial burdens cause individuals & their families great stress. I am compassionate about how they are feeling - My commitment is to leave your stress with me. I will help you, give you the best advice and stay with you through the entire bankruptcy process. I am committed.
Bankruptcy Info
Filing bankruptcy can create confusion to any individuals in financial distress. Do not look to learn about bankruptcy information through the internet or friends. Seek advice from a bankruptcy lawyer to know your debtor rights. I am here to help and provide expert bankruptcy info.
Bankruptcy Law
Bankruptcy Law is a very specialized field of law. I devote my entire practice to bankruptcy. 100% focus on this particular area of law allows me to provide clients with the best bankruptcy representation & full attention to my clients. i am here for you. Call me for a free bankruptcy consult
Bankruptcy Lawyer
Choosing the right bankruptcy lawyer is key. When interviewing a bankruptcy lawyer, you should be sure your lawyer understands your goals. Expertise and reachability are key. Your lawyer's ability to take time with you & stay with you through the entire case is essential.
Bankruptcy Legal
Bankruptcy Mediation
Bankruptcy courts and law firms use mediation as a valuable adjunct to case management to resolve issues. An unbiased outside party as a mediator will resolve a dispute that even the most skilled professionals cannot. I am skilled to bring a matter to closure and avoid costly trial costs.
Bankruptcy Protection
Bankruptcy Protection stops your assets from being seized by creditors. You Can Stop Immediately: Car Repossessions; Home Foreclosure; Wage garnishments; and those annoying creditor calls. The moment you file BK, all actions against Debtors must cease immediately. Contact me for BK protection.
Bankruptcy Statistics
NJ is an expensive state to live. Bergen County bankruptcies have taken the lead for 2019 & 2020 for both Chapter 7 & 11 bankruptcies. As the stimulus, loan forbearance and delayed bank foreclosures come to and end, it is inevitable NJ Bankruptcies will increase. I am here to help Call me now
Business Reorganization
Many businesses are going through a tough time and want to keep their business operational. Chapter 11 and Chapter 11 Subchapter V are two options. You can reorganize your debt, eliminate bad contracts and move your business back into a successful enterprise. Call me today.
Celebrities Bankruptcy
Celebrity Bankruptcies
Chapter 13 Bankruptcy Attorney
Chapter 13 Bankruptcy Protection
Chapter 7 Bankruptcy Case
I am a Board Certified NJ Bankruptcy lawyer. 29 years of practicing law focusing 100% on bankruptcy law. For expert bankruptcy advice, call me for a free zero-obligation consultation.
Chapter 7 Bankruptcy Lawyer
I have successfully completed Chapter 7 Bankruptcies for over 28 years. 100% success rate. I offer a free bankruptcy consultation. When you hire me, I stay with you from the start of the case to the end and beyond. Call me today.
Claims Litigation
Client Reviews
1 of the most rewarding parts of being a NJ Bankruptcy Lawyer is helping clients get out of debt. I receive numerous calls & feedback from clients. They tell me - filing bankruptcy was 1 of their best decisions. I welcome you to read my reviews in Google My Business. Get a free consult.
Consumer Bankruptcy Law
Bankruptcy is a very specialized field of law. I am Board Certified in Consumer Bankruptcy Law by the American Board of Certification. You look for your Dr. to be Board Certified - Why not your bankruptcy lawyer? Experience & education equals results for you. Call me now for a free consult.
Court Trial
Creditor Letters
Debtor's Bankruptcy
Debtors have several options afforded them through the Bankruptcy code for protection. I meet with you, understand your goals and situation so you get the bankruptcy protection you need. Whether it is a Chapter 7, 11 or 13, I provide you with the best option for your bankruptcy protection
Emergency Bankruptcy
It is important to note that, even if a sheriff's sale is set for the same day, I can file your bankruptcy and STOP your foreclosure. I file an emergency petition, notify the Court and Sheriff's Office and the sale stops. I immediately meet with clients so that they receive help needed.
Evictions
Filing Bankruptcy
Free Bankruptcy Consultation Free
I offer a free no obligation bankruptcy consult. I meet with you, learn about your financial goals, whether you want to keep your cars/house, and how the burden of all your debts is affecting your future success. I promise to give you the best legal advice and whether bankruptcy is right for you
Free Consultation
Free Bankruptcy Consultation. I review your current financial situation and provide you with expert advice whether bankruptcy is beneficial for you. If bankruptcy is best for you, I recommend which bankruptcy should be filed (Chapter 7, Chapter 11, Chapter 13). Call me today.
Harassing Phone Calls
Home Foreclosure
If your home is being foreclosed upon, I can provide you with bankruptcy options to save your home. Even if the Sheriff's sale is the same day, I can stop that foreclosure for you.
Homes Foreclosure
Insolvency Bankruptcy From $1,700.00
If your monthly expenses and debts are exceeding your income, bankruptcy may be a good option for you to get out of debt. Call me: Ralph A. Ferro, Jr., Esq. Free Bankruptcy Consult: (201) 446-5904
Irs Collection Actions
Lawsuits
Legal Services - Bankruptcy
My entire practice focuses on the specialized field of Bankruptcy Law. I am able to provide the expertise, knowledge and experience so clients get sound legal advice from me. My career continues to represent clients in all aspects of bankruptcy law. You hire me - I work with you personally.
Loan Modifications
I work with many clients who want to keep their homes but the monthly loan payments are just not attainable. I work directly with the Court and lending institutions to get through the process. I know trying to do this on your own can be frustrating; I take that burden off of you.
Mortgage Foreclosures
Payday Loans
If you have payday loans that are crushing your budget, I can help you eliminate these loans. Call me today for a free bankruptcy consultation. (201) 446-5904 Ralph A. Ferro, Jr., Esq., Bankruptcy Lawyer - NJ
Small Businesses Lawyer
I am here to work with small businesses so that they can continue to keep their businesses running and take advantage of Chapter 11 Subchapter V. Call me so I can provide you with details and how you can benefit from this new provision in the Bankruptcy Code. Small Bus. Keeps America Growing.
Student Loan Debt
Student Loan Debt is very difficult to discharge in bankruptcy at this time. However, new cases and potential new legislation will hopefully benefit those with student loan debt. Contact me to keep up to date.
Us Bankruptcy
Wage Garnishments

Ralph A. Ferro Jr., Esq. Law Office Details

Service options
Onsite services
Online appointments
Language assistance

Accessibility
Wheelchair accessible parking lot
Wheelchair accessible restroom

Amenities
Gender-neutral restroom
Restroom

Crowd
LGBTQ+ friendly
Transgender safespace

Planning
Appointment required
Appointments recommended

Parking
Free parking lot
On-site parking

Ralph A. Ferro Jr., Esq. Law Office Photos

Ralph A. Ferro Jr., Esq. Law Office Picture 1

Ralph A. Ferro Jr., Esq. Law Office Picture 2

Ralph A. Ferro Jr., Esq. Law Office Picture 3

Ralph A. Ferro Jr., Esq. Law Office Picture 4

Ralph A. Ferro Jr., Esq. Law Office Picture 5

Ralph A. Ferro Jr., Esq. Law Office Picture 6

Ralph A. Ferro Jr., Esq. Law Office Picture 7

Ralph A. Ferro Jr., Esq. Law Office Picture 8

Ralph A. Ferro Jr., Esq. Law Office Picture 9

Ralph A. Ferro Jr., Esq. Law Office Location

Ralph A. Ferro Jr., Esq. Law Office

New Jersey Passaic County Little Falls Township East Main Street

66 E Main St 3rd floor, Little Falls Township, NJ 07424, USA

Ralph A. Ferro Jr., Esq. Law Office Reviews

An average rating of ★4.9 from 161 user reviews.

questionscallemailsknowledgeunderstandinginformationhandsdebtchoicechapter 7

★ 5★ 4★ 3★ 2★ 1

5 stars isn't enough for Ralph A. Ferro Jr! This gentleman is THE BEST bankruptcy lawyer in NJ, hands down. Not only is he incredibly knowledgeable and experienced in bankruptcy law, but he's also super responsive and communicative. I've had the pleasure of working with him and I can attest that he responds to your calls and emails at ANYTIME. Seriously, day or night, he's always available to answer your questions and guide you through the process. Ralph is a master of his craft and has a no-nonsense approach that gets results. If you're looking for a top-notch bankruptcy lawyer who truly cares about your case, look no further than Ralph A. Ferro Jr. Trust me, you won't regret it! Best decision I ever made was hiring him.
August 19 · Md J Islam
In searching for a bankruptcy attorney, I came across Mr. Ferro, and requested a free consultation. He responded quickly and on our initial phone call, right off the bat, he was friendly and professional and made me feel at ease. At our first meeting at his office he was once again very friendly, professional, and welcoming. He took the time to explain everything to me. A stark contrast to the previous attorney I had met with who I honestly didn’t care for. I’m glad I found Mr. Ferro. He helped me out of a difficult situation and made the entire process easy and painless. I can’t recommend him enough.
July 03 · Scott G
Mr Ralph Ferro handled my bankruptcy as a priority and very professional. His service was accurate and exactly has he told me it would be during the consultation. He walked me through the process step by step and was always available for any questions. I recommend him to anyone that needs his services. You won't be disappointed.
June 27 · Geraldine Lowe
As soon as I did my consultation, I knew he was the one. All the other attorneys rushed my consultation over the phone and I didnt know what they looked like. When I called Ralph, he was professional and kind and invited me for a consultation in person at his office. Once he offered this I had a feeling he was the real deal. My consultation went well, he gave me forms that highlighted the process which helped me understand what we would be doing. He kept constant communication with me during my case and always answered promptly when I had a question. If you are like me who was stressed, confused and emotional about debt collectors calling, threatening to sue, and being rude and evasive, and you are deciding which bankruptcy attorney to use, Ralph is your best choice and you will see that once you have your first conversation with him. 1000/10! ⭐️
July 20 · Alyssa M
I can't express enough how grateful I am with Esq Ralph and his services. Everything was done in a quick and easy manner, he was professional and understanding. He knows exactly what he is doing, while the other attorneys in the court rooms were missing documents and information on their client. Ralph Ferro had everything in for me. Thank you Ralph. My family and I thank you.
June 27 · nancy martinez