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McOmber McOmber & Luber, P.C.

Business & Employment Lawyers Red Bank & Marlton New Jersey

732-842-6501
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Collections | Header Image | McOmber McOmber & Luber

Collections

 Red Bank, NJ, Marlton, NJ, Newark, NJ, New York, NY, and Philadelphia, PA Collections Lawyers Serving Businesses Throughout New Jersey And Nationally

At McOmber McOmber & Luber, P.C.,we have garnered a strong reputation for providing proactive and zealous representation for individual and commercial debt collection matters. Our firm has successfully collected millions of dollars for our debt collection clients. We serve a diverse range of industries, including manufacturers, distributors, wholesalers, service providers, equipment leasing firms, financial lending institutions, and contractors. Whatever the business, you can rely on our attorneys and staff to take swift and decisive action to maximize debt recovery. Where other firms can only obtain a judgment, our firm focuses on obtaining financial recovery through exhaustive asset investigation and execution proceedings.

Our accomplished attorneys represent companies and businesses within the state including Cherry Hill and Middletown, as well as national and international firms seeking to collect on personal and commercial debts within New Jersey. Through a national network of local collection associates, our firm also handles nationwide and international collection matters. As an example, we have handled complex collection matters in such far-away locations as Alaska and Saudi Arabia.

Relentless Advocacy In Debt Collections

Our lawyers are focused on recovering overdue business and personal debts. Our work is characterized by persistence and tenacity. As a result, we have been uncharacteristically successful in these matters and are highly regarded among business owners, commercial circles, and individuals for our ability to deliver superior results. Many collection clients return to us for additional business and commercial law guidance.

For each matter, we carefully investigate the debt, fully understand all circumstances, carefully review all documents, and develop a personalized strategy to maximize debt recovery. Unlike many other debt collection attorneys, we perform an exhaustive asset search on the debtor before undertaking recovery efforts, which saves time and money.

Our attorneys handle all types of commercial and individual collections and are prepared to negotiate each debt and recover the fullest amount possible in an efficient manner. Should the matter require litigation, we are prepared to try the matter and bring maximum leverage against the debtor. At all times, we recognize our clients’ needs for a cost-effective approach, and will provide candid, practical counsel throughout the process. Where other attorneys fall short, we push forward to track down and seize debtor assets.

Collections FAQs

  • Can I Uncover a Debtor’s Assets?

    When a debtor is not only recalcitrant, but attempting to conceal funds and assets, your attorney can use an information subpoena to gain information about the debtor’s income and income sources, their personal property, and if they own real estate or vehicles. Should the debtor refuse to answer, a request to the court can be made to open post judgment discovery. Here, the debtor or a third party may be forced to testify about his/her assets and income.

    Read More
  • How Does a Judgement Lien Work?

    Any judgment obtained in New Jersey Superior Court automatically creates a judgment lien on a debtor’s property that holds for 20 years, even if the ownership of the property changes. This means that the debtor cannot sell or refinance the property without first satisfying the judgment lien and also applies to any jointly held properties. Judgments that were obtained in Special Civil Part (small claims court) must have the judgment recorded in the Office of the Superior Court Clerk in Trenton to create a lien on the debtor’s real estate. It is essential to have an attorney do this quickly so that your judgment lien is recorded before any other competing recorded judgments and you can recover payment first.

    Read More
  • What Can and Cannot Be Confiscated to Pay a Judgement?

    The first step in judgment enforcement in New Jersey is obtaining a writ of execution which allows for the seizure of property to satisfy the judgment. This can include:

    • Personal property such as cars and equipment
    • Business interest such as stocks
    • Rental income that the debtor may receive
    • Money in bank accounts

    Some assets are excluded by law from confiscation to pay a judgment. These are the following:

    • Disability payments
    • Workers’ Compensation and retirement benefits
    • Insurance policies
    • $1000 of personal property
    Read More

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Related Practice Areas

  • Collections
  • Commercial Collections
  • Debt Collections
  • Judgment Enforcement
  • Personal Guarantee
  • Promissory Notes

Team Members Involved

  • R. Armen McOmber | Blog | McOmber McOmber & Luber
    R. Armen McOmber
    Managing Partner
  • Christian V. McOmber | Blog | McOmber McOmber & Luber
    Christian V. McOmber
    Managing Partner
  • Stephen J. Caccavale | Blog | McOmber McOmber & Luber
    Stephen J. Caccavale
    Senior Counsel
  • Robert J. Malloy | Blog | McOmber McOmber & Luber
    Robert J. Malloy
    Of Counsel

Red Bank Office

  • 54 Shrewsbury Avenue, Red Bank, NJ 07701
    732.842.6500
    732.530.8545

Marlton Office

  • 50 Lake Center Drive Suite 400, Marlton, NJ 08053
    856.985.9800
    856.263.2450

Newark Office

  • 60 Park Place Suite 307, Newark, NJ 07102
    973.878.9040
    973.310.5216

New York Office

  • 11 Broadway, Suite 615 New York, NY 10004
    929.566.1300

Philadelphia Office

  • 1650 Market Street, Suite 3600 - No. 973 Philadelphia, PA 19103
    267.777.7800

Office Locations

Red Bank Office

  • 54 Shrewsbury Avenue, Red Bank, NJ 07701
  • 732.842.6500

Marlton Office

  • 50 Lake Center Drive Suite 400, Marlton, NJ 08053
  • 856.985.9800

Newark Office

  • 60 Park Place Suite 307, Newark, NJ 07102
  • 973.878.9040

New York Office

  • 11 Broadway, Suite 615 New York, NY 10004
  • 929.566.1300

Philadelphia Office

  • 1650 Market Street, Suite 3600 - No. 973 Philadelphia, PA 19103
  • 267.777.7800

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McOmber McOmber & Luber, P.C.

McOmber McOmber & Luber, P.C. is focused on delivering exceptional representation and responsive client service. We tailor innovative and cost-effective solutions for each matter we handle.

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