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Bankruptcy & financial restructuring · New Jersey

A ClearPath Forward Starts Here.

When debt becomes overwhelming, whether it is weighing on your family or on a business you have spent years building, we help good people across New Jersey understand their real options and choose the clearest way forward.

Call direct (201) 502-2241
Schedule a consultation View practice areas
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I understand you are nervous right now. Take a breath. This is what I do every single day. You are going to be okay.

David L. Stevens, Esq.
Practice Areas

Serious debt work, handled with precision.

ClearPath takes on the complicated debt matters that deserve real attention and a clear strategy, for the people and businesses carrying the debt, not a rubber stamp.

1
Consumer & Business Bankruptcy

Chapter 7 and Chapter 13 representation for people and businesses who need a genuine fresh start. We handle the filing, the deadlines, and the court from day one.

Chapter 7 Chapter 11 Chapter 13 Debtors & creditors
2
Small Business Reorganization

Subchapter V and Chapter 11 reorganization for businesses carrying merchant cash advance debt or other financing that has spiraled. Keep the business running while the balance sheet gets fixed.

MCA SBA EIDL Subchapter V
3
SBA Loan Default & Debt Resolution

Behind on an SBA 7(a), 504, or EIDL loan? We negotiate directly with lenders and the Treasury Department and know when a settlement, a reorganization, or bankruptcy is the right call.

SBA 7(A) 504 LOAN EIDL PERSONAL GUARANTY
4
Tax Debt Resolution & Insolvency

IRS and New Jersey tax debt, liens, and levies, plus the insolvency planning that can keep a settlement or foreclosure from turning into a surprise tax bill.

IRS LEVY TAX LIEN OFFER IN COMPROMISE 1099-C
5
Foreclosure Defense & Loss Mitigation

Keep the home in the conversation. We use the automatic stay, arrears cures, loan modification, and other loss mitigation tools to stop a scheduled sale.

Automatic stay Loan workout
6
Bankruptcy Litigation & Adversary Proceedings

Adversary proceedings, dischargeability disputes, and collection lawsuits, handled by a lawyer who has actually litigated inside a bankruptcy case, not just filed one.

Collection actions Creditor disputes
Why Clear Path

A focused practice, not a filing factory.

ClearPath was built to do one thing well: serious bankruptcy and restructuring work for clients across New Jersey.

3
Bar admissions · NY, NJ, FL
1:1
Direct attorney access
Both sides
Debtor and creditor matters
N.J.
New Jersey focus

ClearPath brings experience across restaurants, medical practices, trucking companies, and the households behind them. These are rarely simple filings, and they are never treated that way here. Every matter starts by understanding the whole picture, protecting what you have built, and explaining the honest options before a single form is signed.

Attorney

You are hiring a person, not a call center.

Professional middle-aged bald man with beard wearing dark blue suit and patterned tie.

Admitted

New York, New Jersey, Florida

Focus

Bankruptcy & restructuring

Serving

New Jersey

David Stevens

Founding Attorney, ClearPath Law

David founded ClearPath Law to give debt matters the attention they deserve, the kind that is too easily lost in a high-volume practice. He has built the firm around New Jersey, keeping his focus squarely on the individuals and businesses he serves across the state.

He works with individuals protecting a home and the savings behind it, and with business owners, restaurants, medical practices, and trucking companies among them, facing merchant cash advance, SBA, and EIDL debt that has outgrown any quick fix. He represents both sides of a debt matter, debtors seeking relief and creditors protecting their interests.

The approach is the same in every matter: understand the full picture first, explain the honest options in plain language, then build the clearest path through.

  • Chapter 7, 11, and 13, including Subchapter V reorganization
  • Merchant cash advance, SBA, and EIDL workouts and restructuring
  • Foreclosure defense, collection actions, and creditor disputes across New Jersey
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Talk with David
Client Voices

What people say after the weight lifts.

  • Two large orange quotation marks on a white background, centered in the image.

    One of the most knowledgeable and brilliant lawyer I ever had !

    David is is an unbelievable person professionally and also on a personal leve that really cares for his clients that when you see him and tal to him and you leave his office you feel 100% comfortable and good about everything that he is working on one word to describe him again is just one word “brilliant” at what he does !

    Posted by ️Dr. Peter Tichy
  • Two large orange quotation marks on a white background, centered in the image.

    WONDERFUL ATTORNEY

    David Stevens was wonderful with our case. When I left his office after meeting him, I knew we were in good hands. He and his staff were very informative . I WOULD recommend them highly.

    Posted by Lynda
  • Two large orange quotation marks on a white background, centered in the image.

    Honest and Very Professional

    David Stevens is one of the most knowledgable Attorneys my family were able to find out there in the big world of scammers and people trying to make money from our hardship. David Stevens was a breath of fresh air, he was completely honest with us and extremely professional. His advice gave my family a fresh start. He answered all our phone calls and emails same day and I never once felt that he was too busy for us even when I might have been asking a simple question. His support team were extremely helpful and friendly and to this day years later, I called with a question he still returns my calls immediately. If your in distress and need advise on how to work out what your next step should be to protect your home and stop those collection calls then I recommend you go meet with David Stevens.

    Posted by MD
  • Two large orange quotation marks on a white background, centered in the image.

    Fantastic Experience

    For me – David was a beautiful surprise – he sets the bar as far as excellence and character

    Posted by Frank
  • Two large orange quotation marks on a white background, centered in the image.

    Knowledgeable and validates excellent reputation with services

    Mr. Stevens is a very knowledgeable, thorough and competent professional who made me feel he had my best interests in mind. His expertise has helped me manage a very difficult situation as his knowledge in this area is excellent. He made me feel confident my unique situation would be handled in the best way and it was. I am grateful for his services and highly recommend him. My friend saw how relieved I was my situation was being taking care of in the best way and now my friend is using his services. Best lawyer ever!

    Posted by Sandra
  • Two large orange quotation marks on a white background, centered in the image.

    Highly recommend!

    Worked with David Stevens who was referred by a friend for my bankruptcy case. It was easy to make an appointment. David was friendly, professional and very knowledgeable and I was very satisfied. I highly recommend this firm for your needs.

    Posted by anonymous
  • Two large orange quotation marks on a white background, centered in the image.

    Most amazing experience ever!

    David Stevens and his amazing team have been able to support and guide me through some of the most difficult experiences of my life. I do not exaggerate when I state that I do not believe I could have survived without them. They are professional, fast, caring, thoughtful, non-judgmental. I didn’t think it was possible to have such support available. I highly recommend David Stevens and his team to anyone seeking support or legal council in this area.

    Posted by Carla
Questions

Answers before you pick up the phone.

Common questions from New Jersey individuals and business owners weighing their next move.

Yes. Earning above the median does not close the door, it changes the analysis. Higher earners often move through the means test into Chapter 13, or use Chapter 11 for larger or business-related debt. We map the right chapter to your income, assets, and goals rather than forcing you into a template.

Not automatically. Qualified retirement accounts are broadly protected, and New Jersey filers may elect federal exemptions to shield equity in a home. Protecting what you have built is a central reason to work with counsel instead of filing alone.

Options range from out-of-court negotiation to Subchapter V reorganization, which lets many owners restructure while staying in control of the company. We evaluate merchant cash advance, SBA, and EIDL obligations together before recommending a path, because they rarely can be solved in isolation.

Filing triggers an automatic stay that halts a scheduled sale in most cases. From there we work to cure arrears, restructure the mortgage, or defend the foreclosure so the home stays part of the conversation instead of slipping away on a court calendar.

Chapter 7 discharges qualifying debt through liquidation. Chapter 13 reorganizes personal debt into a repayment plan. Chapter 11, including Subchapter V, reorganizes businesses and higher-debt individuals. The right chapter depends on your income, your assets, and whether a business is involved.

Yes. EIDL and other SBA-backed obligations are a routine part of the business cases we handle, alongside merchant cash advances and trade debt. They are often the reason an otherwise healthy business needs to restructure.

Our Northern New Jersey office is at 2 University Plaza, Suite 400, Hackensack, NJ 07601, and is by appointment only. Call (201)502-2241-HELP to schedule a confidential consultation at a time that works for you.

Call (201) 502-2241 -HELP or write to info@clearpath.law. We start with a confidential review of your income, assets, and debt, then lay out the honest options in front of you before you commit to anything.

Resources

Plain-language reading on hard decisions.

Contact

Start with a confidential conversation.

By appointment only. Tell us a little about your situation and David will follow up directly.

Phone
(201) 502-2241
Email
info@clearpath.law
Office
2 University Plaza, Suite 400, Hackensack, N.J. 07601

Temporary New Jersey office

Serving
New Jersey

Individuals and businesses statewide