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Edward Hanratty is your trusted Consumer Protection and Consumer Bankruptcy Attorney in Central New Jersey

Working for people since 1998.

(732) 866-6655
$259,470.56
HUNTER V NJHESAA Hunter filed an adversary complaint in the bankruptcy court against NJHESAA to discharge $259,470.56 in Student Loans.
$167,779.77
ARNHOLD V NJHESAAArnhold filed an adversary complaint in the bankruptcy court against NJHESAA to discharge $167,779.77 in Student Loans.
$86,702.54
FIELDS v NJHESAANJHESAA sued Fields after the Statute of Limitations had expired. Mr. Hanratty argued that the time to enforce the debt had expired. The judge agreed and dismissed the case, relieving Ms. Fields and her daughter of $86,702.54.
$40,610.23
GOEHRIG V NJCLASSGoehrig filed an adversary complaint in the bankruptcy court against NJCLASS to discharge $40,610.23 in Student Loans.
$75,940.10
MEDLEY V CITIBANK N.AMedley filed an adversary complaint in the bankruptcy court against CitiBank and KeyBank to discharge $75,940.10 in Student Loans.
$25,625.67
FENNEY V NAVIENT Fenney filed an adversary complaint in the bankruptcy court against Navient to discharge $25,625.67 in Student Loans.
$20,350.16
FENNEY V NJHESAA Fenney filed an adversary complaint in the bankruptcy court against NJHESAA to discharge $20,350.16 in Student Loans.
$18,000.00
CORBETT V NCLS 2007-1 & 2007-4Corbett filed an adversary complaint in the bankruptcy court against NCLS 2007-1 & 2007-4 to discharge $18,000.00 in Student Loans.
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Our Firm

At our law firm, we have been protecting people from financial ruin for 25 years. We can help you get out of debt, get out of a bad deal, get your student loans under control, stop foreclosure and repossessions, wage garnishments and bank levy, get your mortgage back on track and help you with many other problems. We can help you get treated fairly.

Years of Experience
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Practice Areas

Bankruptcy

Bankruptcy can provide relief from creditor harassment, wage garnishments, and foreclosure.

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Mortgage

Understanding what is, and what is not, a mortgage is the key to knowing your rights.

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Students Loans

Knowing if a student loan is from a private or government lender is important when you are dealing with a student loan problem. Different laws govern the different types of student loans.

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Consumer Protection

Every time you do anything involving money, buy, sell, borrow or loan, you are protected by the consumer protection laws. There are hundreds of state and federal laws that protect you if you find yourself in a bad deal.

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Why Choose Us?

Why choose The Law Office of Edward Hanratty?

Our attorney has more than two decades of experience assisting consumers with debt-related matters.

We understand that financial challenges are stressful, and we work alongside you to find the best options for resolution.

We are aggressive advocates for your legal rights and best interests. We will fight to keep you secure in your home.

From mortgage debt to student loans, warranty issues to bankruptcy, we have the skills and resources our clients need for success.

Testimonials

Take a look at what our clients have to say about our services.

Mr Hanratty is a very competent attorney. He was hired to represent me during a lawsuit post bankruptcy and did extremely well. I would hire Mr Hanratty again if the need arose. To add, his office is very good at returning phone calls and getting answers to questions.
Christopher R.
Christopher R.
Mr. Hanratty and his staff were great. They handled my case with such professionalism. The outcome of my case was better than I expected. I can’t thank him and his staff enough for such great work.
Milagros A.
Milagros A.
Mr. Hanratty and his staff are exceptional. They answer any questions you may have and also don't sugar coat the answers. They deal in facts which I like and they will research and go above and beyond to get the answers. I like the fact that they were able to put me very much at ease with the process. Which can be very stressful. They always make it look easy. Thank you and I highly recommend this firm.
Peter C.
Peter C.
I recommend Mr. Hanratty and his team!!! My story: I was referred to Mr. Hanratty and his team by another attorney and let me tell you. They are nothing but AMAZING. Arely, Maria and Mr. Hanratty were professional, kind, understanding and sympathetic to our situation. They kept us up to date on our case and WE WON!!! Please if you're ever having problems with student loans this is the attorney you want to represent. He knows his stuff!!
Del F.
Del F.
Mr. Hanratty and the entire office and staff were simply amazing. From the very beginning, they helped me every step of the way and were always courteous and professional. Mr. Hanratty is so knowledgeable and helpful, he along with Arely handled everything so quickly and efficiently. They always kept in contact with me and truly made even the worst situation feel painless and hopeful. I appreciate everything they’ve done for me and definitely recommend it.
Sandi V.
Sandi V.
I came to Atty Hanratty when I felt hopeless and fearful of what will happen to me due to my situation. Edward and his legal assistant Arely were able to answer every question I had. The process was stress free and I am grateful I hired them. I strongly recommend hiring Atty. Edward Hanratty if you are looking for a reliable attorney. I had a great experience with them from start to finish. Thank you Edward and Arely for the job well done.
Alfredo C.
Alfredo C.
The guy for student loans and BK! The front office (Arely) down to Mr. Hanratty is kind, professional, and always available when you need them. He helped me win my case twice with NJ Class, even after they pulled all sorts of stunts and got the case reopened. I'm forever grateful for their help!
Julia A.
Julia A.
I have been working with Mr. Hanratty and his lovely assistant, Arely, for nearly two years and they have been absolutely incredible. Mr. Hanratty is extremely knowledgeable and patient; he has always been able to answer all of my questions with a clear and understandable explanation. His assistant Arely is simply the best. She is very diligent and always proactively provided updates. I highly recommend Mr. Hanratty to anyone who has any mortgage/bankruptcy problems. He was instrumental in helping me and solving my mortgage issue. Thank you very much, Mr. Hanratty - you have been a life-saver!
Yana K.
Yana K.
Mr. Hanratty and his assistant Arely Aguirre have provided my family with excellent service and have shown exceptional knowledge and professionalism throughout a very challenging situation. They have been accessible and thorough with every single question or concern I have presented. They truly go above and beyond to make you feel like they are with you every step of the way and we are grateful! I would recommend them to anyone!
Loren J.
Loren J.
I have been a client of Mr Hanratty since 2017. His law firm had worked on my home loan modification with Wells Fargo Bank. His secretary Arely is the most wonderful person to work with. She was my light at the end of the tunnel that helped me endure during the process. Very friendly, knowledgeable, professional, lovely. I finally got my modification done and without them it would be impossible. Very happy with the way Mr Hanratty office is conducting business and I would highly recommend his firm to anyone that needs professional services.
Jadranka K.
Jadranka K.
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Attorney Edward Hanratty has focused 20 years of legal experience on the needs of consumers with financial challenges.

(732) 866-6655

This is how it works

  • Contact us for a free consultation to discuss your needs and goals.
  • Mr. Hanratty will thoroughly explore your situation and identify all possible options for relief.
  • Together, we will collaborate to determine the best options to resolve your problem and maintain your security.
  • We pride ourselves on being communicative and transparent throughout the legal process. Lawyers and clients have a relationship. Like any relationship, everyone has to be honest, forthcoming and transparent. Have questions? Don’t hesitate to contact us at any time
  • We will work with you and give you the best advice we can to achieve your goals.

Frequently
Asked Questions

Bankruptcy is a legal process where a specialized court decides what debts must be paid, and what will not be paid, when a person becomes unable to keep up with their financial obligations.

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Mortgages are loans with the repayment of the loan guaranteed by land. If the loan is not paid, the land is seized. Mortgages are regulated by state and federal laws to protect borrowers.

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A consumer is anyone who buys something, borrows money, or spends money on anything. Consumers are protected by hundreds of state and federal laws, like warranty laws, lending laws, and fair practice laws.

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Student loans are loans used to pay for education. They are governed by complex state and federal laws.

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Our Blog

Want to learn more about bankruptcy and consumer protection? Check out our blog.

Our Office

57 West Main Street, Suite 2D
Freehold, NJ 07728

Phone

(732) 866-6655

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Contact Information

Office Address
57 West Main Street, Suite 2D
Freehold, NJ 07728

Phone
(732) 866-6655

Email
info@centralnewjerseybankruptcylawyer.com

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This is an attorney advertisement in compliance with the Rules of Professional Conduct. This website is intended to provide general information. This website and its content are not intended to create an attorney-client relationship. Any testimonial or endorsement on this website does not constitute a guarantee, warranty, or prediction regarding the outcome of your legal matter.

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