Debtor Representation

Forman Holt has assisted hundreds of individuals and businesses facing financial distress.  Our attorneys are available to answer the many questions and concerns clients may have about bankruptcy and all other alternatives available to address their financial difficulties, and whether a bankruptcy filing is the correct course of action. 

“I am proud of our unique offering to work with our clients to look at all alternative courses of action before deciding to proceed with a bankruptcy filing. Financially distressed businesses often aren’t aware of all their options besides a Chapter 11 filing.” – Charles M. Forman

Our firm has assisted all types of people in financial distress – even the seemingly well-to-do and affluent.  Our attorneys understand that it is often an event such as losing a job, falling ill, or getting a divorce that drives individuals who have generally been financially secure to seek bankruptcy relief. 

After consultations with our firm – which don’t always result in bankruptcy filings – “there’s a huge sense of relief” among many individuals.

We are a debt relief agency.  
We help people file for bankruptcy relief under the Bankruptcy Code.

It may be that bankruptcy is not the desired or best option.  Whatever the issue, as schooled as we are in filing bankruptcy, if the facts warrant, we are equally capable in avoiding bankruptcy for our clients.

Contact us to start a conversation.

  • Provide solutions to financial distress
  • Inform businesses and individuals about their options
  • Help businesses and people get a fresh start to move beyond debt

3 Tips For Small Business Owners In Financial Difficulty

Charles M. Forman is featured in the online column “Triple Play”, a weekly NJBIZ feature that asks top executives in New Jersey to talk about three things related to their industry.

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3 Tips For Small Business Owners In Financial Difficulty

Wall Street Journal: Using Bankruptcy To “Rebirth” Companies

“Master of Disaster” Charles M. Forman uses a bankruptcy filing unconventionally, bringing businesses back to life while awaiting a sale.

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Wall Street Journal: Using Bankruptcy To “Rebirth” Companies

NJ Law Journal: When Money Problems & Marital Problems Collide

Exploring the implications of Erin Kennedy’s ground-breaking Third Circuit decision in the Ruitenberg case and still-unanswered “divorce colliding with bankruptcy” questions.

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NJ Law Journal: When Money Problems & Marital Problems Collide

Charles M. Forman Appointed To Register Of Mediators

“This honor is an opportunity for me to help litigants to resolve their sometimes complicated bankruptcy issues” says Charles Forman of his Mediation Program appointment.

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Charles M. Forman Appointed To Register Of Mediators

New Jersey Bankruptcy Lawyers Foundation Names Charles Forman President

Charles M. Forman has been named President of the New Jersey Bankruptcy Lawyers Foundation (NJBLF).

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New Jersey Bankruptcy Lawyers Foundation Names Charles Forman President