My first job (which I was very grateful to get) was as a paralegal in the bankruptcy department of a large NY law firm. An investment bank had just gone under and filed for Chapter 11 bankruptcy and, unfortunately, took thousands of people with it — including hardworking people that had invested their retirement and life savings with them. Some of these people in turn had to file their own bankrup
tcy cases to deal with their catastrophic losses. That is when it hit me that people can suffer a financial hardship at any time and they should be able to — just like that investment bank — ask for bankruptcy relief from debt. After that experience I went to law school, graduated and started working as an attorney in NY handling corporate and business bankruptcy and restructuring. I started a family, and my husband and I moved to NJ, where I settled into the routine of most people — working hard to pay bills and provide the best life for my family. When I had to take time off from work to deal with an illness in the family around the same time my husband was “downsized” in the recession I had to face the same struggles and worries that almost all families face today. When I decided to start my own practice here in NJ, I knew who I wanted to help. Despite what the credit card companies and their lobbyists say to Congress up in Washington, I know that most bankruptcies are not caused by reckless spending. Most cases are filed by hardworking ordinary people who simply can’t afford to deal with unexpected major expenses such as job loss or medical bills. Big businesses are not ashamed or embarrassed to file bankruptcy and you shouldn’t be either. In many cases bankruptcy is the best way to prevent loss of housing, utility services, income, or a car necessary to maintain or gain employment. Bankruptcy can certainly provide, and has provided, millions of people with relief from harrassing, and even sometimes intimidating, collection calls and letters. As a wife, working mother and an attorney, I understand the stress and anxiety that unmanageable debt creates. I believe if an attorney truly wants to help people, she needs to provide professional service with a compassionate, understanding and personal touch, and I strive to do that every day.