Steven A Serna, Bankruptcy Attorney in West, New Jersey

Steven concentrates on bankruptcy, business, chapter 13, chapter 7, and divorce. Each area below outlines the kind of case Steven handles, typical outcomes to expect, and how the intake process starts.

• Bankruptcy

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• Business

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• Chapter 13

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• Chapter 7

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• Divorce

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• Foreclosure

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• Real Estate

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Steven's primary office is at 5300 Bergenline Ave., Ste. 300, West New York, NJ, 07093. In-person meetings are by appointment; a phone intake usually comes first.

Working with a new bankruptcy attorney should feel structured. Here's how the first two conversations with Steven usually go, from the moment you request a consult to the day representation begins.

Steven discusses fees during intake so the arrangement fits the matter. Contingency, hourly, and flat-fee options are all common in bankruptcy practice — ask which fits.

• How much does it cost to hire Steven for a bankruptcy case?

  Cost depends on the type of matter, the fee model (contingency, flat, hourly), and how contested the case becomes. Steven walks through the likely range during the consult so there are no surprises.

• Does Steven offer a free consultation?

  Steven charges for the initial consult; that fee is credited toward representation if you retain Steven's office. Some bankruptcy attorneys offer free consults — check Steven's current terms during booking.

• How long do bankruptcy cases in New Jersey typically take?

  Simple bankruptcy matters can wrap in a few weeks; disputed cases can run 6–18 months from intake to resolution, longer if the matter goes to trial. Steven gives a realistic estimate for your facts at the consult — vague answers here are a red flag.

• Can Steven take my case if I'm outside West?

  Steven is licensed in New Jersey. Matters governed by New Jersey law are the natural fit. Out-of-state matters are handled case-by-case, sometimes with local co-counsel. Ask during intake — Steven will tell you if the case is a fit or refer you to someone closer to your court.

• What should I bring to my first meeting with Steven?

  Bring every document that touches the dispute: contracts, correspondence, police or medical reports, filed pleadings, invoices, photographs, insurance letters. Also bring a written timeline of what happened, in your own words. Steven will filter what matters — over-preparing at intake is always cheaper than needing a second meeting.

• Is Steven accepting new bankruptcy clients right now?

  Steven's intake status shifts week to week. Submit the form; the office will confirm availability or refer the matter out.