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LAKE LAW, PLLC
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Robert Braverman Law Offices in Philadelphia, PA
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New Jersey bankruptcy law firm specializing in Chapter 7, 13, and 11 filings with 30+ years of experience. Serves South Jersey and Greater Philadelphia.
Data compiled from public sources
Robert Braverman Law Offices Review
Robert Braverman Law Offices is a bankruptcy-focused legal practice based in New Jersey with office locations in Maple Shade and Sicklerville. The firm has operated for over 30 years with a concentrated focus on bankruptcy and debt relief law. Robert Braverman is listed in the Super Lawyers Top 5% for Bankruptcy in NJ Monthly Magazine, holds an adjunct professor position at Rutgers School of Law, and maintains Better Business Bureau approval with 5-star client ratings.
The firm provides bankruptcy filing services under Chapters 7, 13, and 11, alongside alternatives to bankruptcy when appropriate. Beyond filing mechanics, they address ancillary debt problems including credit card debt elimination or restructuring, medical bills, tax liabilities, foreclosure prevention, vehicle repossession defense, wage garnishment, collection lawsuits, and creditor harassment cessation. The firm explicitly markets to both individuals and businesses in financial distress.
What distinguishes this practice is Braverman's direct client involvement from initial consultation through case completion, rather than delegating to junior attorneys. The firm emphasizes that experience and proven credentials differentiate outcomes, noting that not all bankruptcy filers receive full benefits available under law. Braverman's specific experience spanning foreclosure defense and debt restructuring over three decades has relevant comparison signals as rare among attorneys who recently entered the field.
The main caveat is that this firm operates solely as a bankruptcy and debt relief legal practice—they cannot help with credit repair, credit building, or credit monitoring. Their services are appropriate only for clients whose debts genuinely warrant legal reorganization or discharge, not for minor credit issues. Geographic service is limited to New Jersey and Greater Philadelphia regions.
Services & Features
Chapter 11 business bankruptcy and reorganization
Chapter 13 bankruptcy filing and representation
Chapter 7 bankruptcy filing and representation
Collection lawsuit defense
Credit card debt elimination and restructuring
Creditor harassment and collection activity cessation
Evaluation of bankruptcy alternatives
Foreclosure prevention and defense
Medical debt resolution
Tax liability management and discharge
Vehicle repossession and asset protection
Wage garnishment cessation
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Attorney has 30+ years focused experience in bankruptcy and debt relief—not a recent pivot
- Direct consultation and representation by named attorney Robert Braverman, not associates
- Listed in Super Lawyers Top 5% for Bankruptcy in NJ Monthly Magazine
- Adjunct professor at Rutgers School of Law, indicating academic-level experience context
- Evaluates alternatives to bankruptcy rather than only pushing chapter filings
- Addresses multiple debt types: credit card, medical, tax, foreclosure, wage garnishment, liens
- Better Business Bureau approved with documented 5-star client reviews
Cons
- Limited geographic service area (New Jersey and Greater Philadelphia only)
- No online intake or documentation tools mentioned; requires phone contact and in-person meetings
- Pricing structure not disclosed on website; no cost transparency or fee schedules provided
- Services require legal representation, making them more expensive than self-filing or credit counseling alternatives
- Only appropriate for serious financial distress requiring bankruptcy—not suitable for minor debt issues
State Consumer Finance Context
This is state-level context for Bankruptcy Services consumers in Philadelphia, PA. It does not confirm that Robert Braverman Law Offices or this specific location is licensed.
State regulator
Pennsylvania Department of Banking and Securities
Consumer protection
Credit and debt help rules in Pennsylvania
Relevant law: Pennsylvania Credit Services Act (73 P.S. § 2181 et seq.)
Registration: Required with Pennsylvania Department of Banking and Securities
Upfront fees: Listed as prohibited in the current CreditDoc state summary
- Credit services organizations must provide written contracts in plain language disclosing all material terms and conditions
- Prohibition on charging fees before performing promised services; all fees must be fully earned
- Cooling-off period of 5 days from contract date to cancel without penalty or obligation
Key state rules to check
- Payday lending is banned; the state's usury cap of 6% (24% for licensed lenders) prevents it.
- Licensed consumer discount companies regulated under the Consumer Discount Company Act.
- The Pennsylvania Unfair Trade Practices and Consumer Protection Law prohibits deceptive lending.
Complaint resources
- Pennsylvania Department of Banking and Securities - State Regulator
- Pennsylvania Attorney General - Bureau of Consumer Protection - State AG
- Federal Trade Commission (FTC) - Federal
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Frequently Asked Questions
What services does Robert Braverman Law Offices offer?
Robert Braverman Law Offices offers 12 services including Chapter 7 bankruptcy filing and representation, Chapter 13 bankruptcy filing and representation, Chapter 11 business bankruptcy and reorganization, Credit card debt elimination and restructuring, Medical debt resolution, and 7 more.
What profile signals are listed for Robert Braverman Law Offices?
Robert Braverman Law Offices has profile signals associated with Individuals or business owners in South Jersey/Philadelphia with unmanageable debt requiring Chapter 7, 13, or 11 bankruptcy, Homeowners facing foreclosure or individuals dealing with wage garnishment and collection lawsuits, Business operators needing financial reorganization and Chapter 11 restructuring.
What are the strengths and weaknesses of Robert Braverman Law Offices?
Key strengths: Attorney has 30+ years focused experience in bankruptcy and debt relief—not a recent pivot; Direct consultation and representation by named attorney Robert Braverman, not associates; Listed in Super Lawyers Top 5% for Bankruptcy in NJ Monthly Magazine. Areas to consider: Limited geographic service area (New Jersey and Greater Philadelphia only); No online intake or documentation tools mentioned; requires phone contact and in-person meetings.
How does Robert Braverman Law Offices compare to similar companies?
In the Bankruptcy Services category, comparable providers include LAKE LAW, PLLC, Saedi Law Group, LLC, Fonfrias Law Group, LLC. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
Quick Facts
- Headquarters
- 7909 Bustleton Ave, Philadelphia, PA 19152
- BBB Accredited
- No
CreditDoc Profile Note
Research Note on Robert Braverman Law Offices
This firm is profile signals for individuals or business owners in the New Jersey and Greater Philadelphia region with unmanageable debt requiring formal bankruptcy restructuring or discharge. Primary caveat: legal representation is expensive and only justified when debts are severe enough to warrant bankruptcy filing; consumers with manageable debt should first explore non-legal credit counseling or consolidation options.
Profile Signals
- Individuals or business owners in South Jersey/Philadelphia with unmanageable debt requiring Chapter 7, 13, or 11 bankruptcy
- Homeowners facing foreclosure or individuals dealing with wage garnishment and collection lawsuits
- Business operators needing financial reorganization and Chapter 11 restructuring
Updated 2026-04-29
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Quick Summary
- Robert Braverman Law Offices is listed as a Bankruptcy Services provider in Philadelphia, PA on CreditDoc.
- Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
- If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
- For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.
Next Steps
Find contact or location Check phone, address, map, and website availability. Check specific services See whether the provider lists the help you need. Review fit context Use the quiz to compare category, service, and public-rating fields. Compare alternatives Review similar providers before making contact. Improve your position What Your Credit Score Actually Means: Number-by-Number Breakdown Learn the basics Start the free Credit Fundamentals course.
Financial Wellness Guides
What Your Credit Score Actually Means: Number-by-Number Breakdown
A plain-English breakdown of every credit score range — what each number actually means for your loans, cards, and daily life, plus exactly what to do about yours.
Read guide →What You Qualify For at Every Credit Score Range (2026)
A plain-English breakdown of what credit products, loans, and cards you can realistically get at every credit score level — from deep subprime to excellent.
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Learn exactly how to check your credit score for free using legitimate sources, understand the difference between soft and hard inquiries, and know your rights under federal law.
Read guide →Financial Terms Explained (14 terms)
New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
How Loans Work
Default — Loan Default
When you fail to repay a loan according to the agreed terms — usually after 90-180 days of missed payments. It's the point where the lender gives up on collecting normally.
Why it matters
Default triggers severe consequences: credit score drops 100+ points, the debt may be sent to collections, you could be sued, and your wages or assets could be seized.
Example
You miss 4 consecutive car payments. The lender declares your loan in default, repossesses your car, sells it at auction for $8,000, and you still owe the remaining $5,000 (called a deficiency balance).
Legal Terms
CFPB — Consumer Financial Protection Bureau
A federal agency created in 2010 to protect consumers from unfair financial practices. They write rules, supervise financial companies, and handle consumer complaints.
Why it matters
The CFPB is your most powerful ally against high-cost lenders. Filing a complaint with them gets a response from the company within 15 days — companies take CFPB complaints seriously.
Example
A debt collector calls your workplace after you told them to stop. You file a CFPB complaint online. Within 15 days, the collection agency responds and agrees to stop. The CFPB tracks complaint patterns across all companies.
FDCPA — Fair Debt Collection Practices Act
A federal law that limits what debt collectors can do. They can't call before 8am or after 9pm, can't harass you, can't lie, and are required to stop contacting you if you request in writing.
Why it matters
Knowing your FDCPA rights stops abusive collection tactics. If a collector violates the law, you may have a right to sue for up to $1,000 per violation plus attorney fees.
Example
A collector calls your workplace 3 times after you told them not to. That's 3 FDCPA violations. You hire a consumer attorney (free — they get paid by the collector). The collector settles for $3,000.
Garnishment — Wage Garnishment
A court order that requires your employer to withhold part of your paycheck and send it directly to a creditor. Usually happens after a creditor sues you and has obtained a judgment.
Why it matters
Federal law limits garnishment to 25% of disposable income. Some states have lower limits. Student loans and taxes can be garnished without a court order.
Example
You owe $8,000 on a defaulted credit card. The bank sues, gets a judgment, and garnishes your wages. On a $3,000/month net paycheck, they take $750/month until the debt is paid.
Statute of Limitations — Statute of Limitations (Debt)
A time limit (typically 3-6 years, varies by state) after which a creditor can no longer sue you to collect a debt. The debt still exists, but they lose the legal power to force payment.
Why it matters
Knowing your state's statute of limitations prevents you from being tricked into paying debts that are legally uncollectable. Beware: making a payment can restart the clock.
Example
You have a $3,000 credit card debt from 2019. Your state has a 4-year statute of limitations. In 2024, a collector calls demanding payment. The statute has expired — they cannot sue you.
Debt & Recovery
Chapter 13 Bankruptcy — Chapter 13 Bankruptcy (Reorganization)
A type of bankruptcy where you keep your assets but follow a court-approved 3-5 year repayment plan to pay back some or all of your debts. Stays on credit for 7 years.
Why it matters
Chapter 13 may be more relevant than Chapter 7 if you have a home or assets you want to keep. It can stop foreclosure and let you catch up on mortgage payments over 3-5 years.
Example
You're 3 months behind on your mortgage and have $30,000 in credit card debt. Chapter 13 stops foreclosure and puts you on a 5-year plan: you pay $600/month to catch up on the mortgage and pay 40% of the credit card debt.
Chapter 7 Bankruptcy — Chapter 7 Bankruptcy (Liquidation)
A type of bankruptcy that wipes out most unsecured debts (credit cards, medical bills) by liquidating non-exempt assets. It stays on your credit for 10 years.
Why it matters
Chapter 7 gives you a fresh start but at a steep cost: 10 years on your credit, difficulty getting loans, and you may lose assets. Income is generally required to be below your state's median to qualify.
Example
You have $45,000 in credit card debt and earn $35,000/year. Chapter 7 erases the debt. You keep exempt property (basic car, household items). Your score drops to ~500 but you're debt-free.
Charge-Off
When a creditor declares your debt a loss after 180 days of nonpayment and removes it from their books. But you still owe the money — they just stop expecting to collect it themselves.
Why it matters
A charge-off is one of the most damaging entries on your credit report and stays for 7 years. The debt is usually sold to a collection agency who will pursue you for it.
Example
You stop paying your $4,000 credit card. After 180 days, the bank charges it off and sells the debt to a collector for $800. The collector now contacts you demanding the full $4,000 (they profit from what they collect above $800).
Collections — Debt Collections
When an unpaid debt is transferred or sold to a third-party collection agency that specializes in recovering the money. Collection accounts appear on your credit report for 7 years.
Why it matters
Even a $50 collection account can drop your score 50-100 points. Some newer FICO models (FICO 9) ignore paid collections, but many lenders still use older models.
Example
An old $200 gym bill goes to collections. It appears on all 3 credit reports and drops your 720 score to 640. Paying it helps with newer scoring models but under FICO 8 (still widely used), a paid collection still hurts.
Debt Consolidation
Combining multiple debts into one single loan with one monthly payment, ideally at a lower interest rate. It simplifies repayment and can reduce total interest.
Why it matters
Consolidation is generally most useful when you get a lower rate than your existing debts. But it doesn't reduce what you owe — and extending the term can mean paying more total interest.
Example
You have: $5,000 at 22% (credit card), $3,000 at 18% (store card), $2,000 at 25% (payday loan). A $10,000 consolidation loan at 11% saves you ~$2,100 in interest over 3 years.
Debt Settlement — Debt Settlement / Negotiation
Negotiating with creditors to accept less than the full amount you owe — typically 40-60 cents on the dollar. Usually done after you've already fallen behind on payments.
Why it matters
Settlement can save thousands, but it severely damages your credit (settled accounts show for 7 years) and the IRS may tax the forgiven amount as income.
Example
You owe $15,000 on a credit card and negotiate a settlement of $7,500 (50%). You save $7,500 but: your credit drops 100+ points, the account shows 'settled' for 7 years, and you may owe taxes on the $7,500 forgiven.
DTI Ratio — Debt-to-Income Ratio
The percentage of your monthly gross income that goes toward paying debts. Lenders use it to judge whether you can afford another loan payment.
Why it matters
Most lenders want DTI below 36% for personal loans and below 43% for mortgages. Above that, you're considered overextended and likely to be denied.
Example
You earn $5,000/month gross. Your debts: $1,200 mortgage + $300 car + $200 student loans = $1,700/month. DTI = 34%. A new $400/month loan would push you to 42% — risky for lenders.
Judgment — Court Judgment (Debt)
A court ruling that says you legally owe a specific amount to a creditor. It gives the creditor power to garnish wages, freeze bank accounts, or place liens on your property.
Why it matters
Judgments are enforceable for 10-20 years (varies by state) and can be renewed. They give creditors far more collection power than a simple unpaid debt.
Example
A credit card company sues you for $8,000 and has obtained a judgment. They can now garnish 25% of your paycheck ($750/month on a $3,000 net salary) and freeze your bank account.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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