Fitzgerald & Associates, PC

The northern edge of Journal Square still holds a few brick-and-mortar offices that predate the condo boom. Fitzgerald & Associates, PC sits on Newark Avenue, a short walk from the PATH stop and the usual bus lines. Inside the gray-brick building, a practice focuses on the kinds of legal issues that follow job loss or medical debt. Chapter 7 and 13 filings are the most common paths clients take, but the attorneys also advise on lien avoidance and reaffirmation agreements. Creditor harassment letters can be addressed before a filing ever lands in court—something worth remembering when deadlines feel tight.

Across the county line in Hudson, personal bankruptcy isn’t rare; it’s one of the services that keeps law offices busy year-round. Debtors here often juggle medical bills, student loans, and credit-card balances that snowball after a single missed paycheck. Automatic stays are explained early, because the moment a petition is filed, most collection calls stop overnight. If a client owns a home, the firm reviews homestead exemptions and mortgage modifications to see which route keeps the roof over their head. For sole proprietors, the conversation can turn to business debt and how to separate personal assets from business liabilities.

The entrance is on the ground floor, no elevator required. When you’re ready to open the door, the map will drop a pin at 649 Newark Ave, Jersey City, NJ 07306. Once inside, call (201) 533-1100 to arrange a first meeting. Reach the office via the maps listing here: directions.