Hackensack is the county seat of Bergen County and a major commercial and medical center in northern New Jersey. It is home to Hackensack University Medical Center, one of the largest hospitals in the state.
New Jersey uses federal bankruptcy exemptions exclusively -- one of the few states in the nation that does so. Federal exemptions under 11 U.S.C. section 522(d) apply: Homestead: $27,900. Vehicle: $4,450. Jewelry: $1,875. Tools of trade: $2,800. Wildcard: $1,475 plus up to $13,950 of unused homestead. Household goods: $700 per item, $14,875 total. Retirement accounts: fully exempt.
Exemptions determine what property you can keep in bankruptcy. See the full exemptions guide.
These organizations may offer free or low-cost assistance. Contact them directly to verify current services and eligibility requirements.
Hackensack residents file in the District of New Jersey at 50 Walnut St, Newark, NJ 07102. The drive from Hackensack is approximately 25-30 minutes south on NJ-17 and I-280.
Yes. All medical debt is fully dischargeable in bankruptcy, including debts owed to Hackensack University Medical Center and other hospitals. Medical debt is the single largest category of collections debt and is treated as general unsecured debt in bankruptcy.
Court filing fees are $338 for Chapter 7 and $313 for Chapter 13. Attorney fees in northern New Jersey typically range from $1,500-$3,000 for Chapter 7 and $3,000-$5,000 for Chapter 13. Fee waivers are available for those below 150% of the poverty line.
Use the free 1328(f) screener to check whether a prior discharge affects your eligibility.
Free Discharge Screener