7 bankruptcy attorneys are listed in Freehold. They file Chapter 7 liquidations, Chapter 13 repayment plans that can stop a foreclosure and cure arrears, and business reorganisations under Chapter 11.
Filing triggers an automatic stay: collection calls, wage garnishment and repossession stop while the case is pending. What you keep depends on exemptions, which are set by state law and differ sharply.
Ask which chapter fits and why, and what the quoted flat fee covers once court filing fees and mandatory credit counselling are added.