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Desmond Law P.A. is a boutique New Jersey Law Office dedicated to helping consumers achieve financial freedom and fighting back against predatory corporate practices. With over 30 years of legal experience, Attorney Leo W. Desmond provides compassionate, clear-cut guidance to individuals facing overwhelming debt, personal bankruptcy, and abusive corporate tactics throughout Morris and Sussex Counties.

 

Strategic Chapter 7 Bankruptcy Solutions

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If you are struggling to stay afloat financially, New Jersey bankruptcy laws offer a legal mechanism to wipe the slate clean. Morris County Attorney Leo W. Desmond files exclusively in Chapter 7 bankruptcy, helping individuals eliminate unsecured debts and secure a true "Fresh Start".

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• Immediate Protection: Invokes the automatic stay to instantly halt vehicle repossessions, pending lawsuits, bank levies, and foreclosure actions.

• Debt Elimination: Discharges qualifying credit card balances, medical bills, and personal loans permanently.

• Asset Preservation: Uses state and federal bankruptcy exemptions to protect your personal belongings, vehicles, and home equity.

• Stop Wage Garnishments: Ends court-ordered paycheck deductions to restore your immediate monthly cash flow.

• Comprehensive Representation: Guides you through every step of the process, from completing the mandatory means-testing calculations to defending your interests at the Chapter 7 meeting of creditors.

 

Aggressive Consumer Law & Federal Litigation

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Beyond bankruptcy relief, Morris County Consumer Law Attorney Leo W. Desmond is a fierce advocate for consumer rights in federal and state courts. He sues debt collectors, credit bureaus, and telemarketers when they violate your federal consumer protection rights.

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• Fair Debt Collection Practices Act (FDCPA): Stops abusive collector behavior dead in its tracks. Leo prosecutes companies that subject you to profane language, illegal threats, or harassing phone calls.

• Fair Credit Reporting Act (FCRA): Holds credit bureaus accountable for damage to your credit score. He litigates identity theft mixed-file errors, outdated public records, and systemic failures to fix reported inaccuracies.

• Telephone Consumer Protection Act (TCPA): Fights back against invasive corporate intrusions. He secures statutory financial damages for consumers targeted by illegal automated robocalls, unsolicited text messages, and prerecorded voice spam.

• Junk Debt Buyer Defense: Defends clients against aggressive collection lawsuits filed by third-party debt buyers, demanding strict proof of the alleged debt.

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