Manchester Township Legal Services

Bankruptcy & Real Estate Representation for Ocean County's Historic Community

Do you need a bankruptcy or real estate attorney who understands Manchester Township's established communities? Regina L. Gelzer, Attorney-at-Law, LLC provides skilled legal representation to residents throughout this historic Ocean County township. Home to the Lakehurst Naval Air Station and numerous well-established residential communities including Whiting, Crestwood Village, and Leisure Village West, Manchester Township presents unique legal needs—particularly for the mature population that has made this community home for decades.


Manchester Township's 45,000 residents include a significant number of retirees and seniors who have invested their life savings in comfortable homes throughout the township's distinctive communities. With a median age of 62, many Manchester residents face financial challenges specific to their life stage—healthcare costs, fixed income constraints, and the desire to protect assets accumulated over a lifetime of hard work. Our practice understands these priorities and provides bankruptcy and real estate strategies tailored to preserve what matters most.


Whether you're facing unexpected medical debt, concerned about protecting your home from creditors, or need legal assistance with property matters in Manchester's active real estate market, our experienced team is ready to help. Route 70 provides convenient access to our Toms River office. Call Regina L. Gelzer, Attorney-at-Law, LLC at (732) 608-0560 for your confidential consultation.

Why Manchester Township Trusts Our Expertise

Manchester Township's residential communities—from Pine Lake Park to Cedar Glen Lakes to the active adult neighborhoods throughout—house residents who value stability, security, and straightforward communication. Our practice provides exactly that: honest legal counsel that respects your life experience while offering practical solutions to financial challenges that can arise at any stage of life.


• Retirement-conscious bankruptcy planning that protects pensions, Social Security, and IRA accounts

• Home equity protection strategies for Manchester's established homeowners facing foreclosure

• Real estate services for downsizing, estate sales, and property transfers within families

• Chapter 7 bankruptcy for qualifying residents seeking complete debt elimination

• Chapter 13 options that accommodate fixed income budgets while resolving debt obligations


Many Manchester residents have lived in their communities for years or even decades, building equity in their homes while enjoying the township's convenient access to Route 70 and the Garden State Parkway. When financial difficulties threaten that stability, you need an attorney who will fight to protect your investment. Contact us at (732) 608-0560.

Compassionate Service for Manchester Residents

Regina L. Gelzer provides respectful, thorough legal representation to Manchester Township residents facing difficult financial decisions. We recognize that many clients in this community have never faced bankruptcy before and may feel uncertain about the process—that's why we take extra time to explain every option, answer every question, and ensure you feel confident in the path forward.


Our practice has helped Manchester residents from every background: retired military personnel connected to nearby Lakehurst, healthcare workers from area medical facilities, educators, tradespeople, and professionals who chose Manchester for its established communities and reasonable cost of living. Whatever your situation, we provide personalized attention and strategic advocacy designed to achieve the best possible outcome for your circumstances. We handle all aspects of bankruptcy and real estate matters, from initial evaluation through final resolution.


You've worked hard to build a stable life in Manchester Township. Don't let debt undermine everything you've achieved. Residents throughout this community have found relief and renewed financial confidence through skilled legal representation. Call Regina L. Gelzer, Attorney-at-Law, LLC at (732) 608-0560 today to schedule your free consultation and take control of your financial future.