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Justin M. Gillman

Justin M. Gillman

New Jersey Bankruptcy and Foreclosure Defense Lawyer since 1997
  • Bankruptcy, Foreclosure Defense
  • New Jersey
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Justin M. Gillman, Esq. has practiced in the area of consumer and small business bankruptcy law, foreclosure prevention and related matters since 1997. He is admitted to the New Jersey and New York State Bars, the United States Supreme Court, the United States Court of Appeals for the Third Circuit, and the United States District Court for the District or New Jersey. Mr. Gillman received his B.A. degree from Trinity College, Hartford, Connecticut and his J.D. degree from the Marshall-Whythe School of Law at the College of William & Mary, Williamsburg, Virginia. Mr. Gillman serves as a member in the New Jersey Bar Association, Bankruptcy Law Section and the National Association of Consumer Bankruptcy Attorneys (NACBA). He recently presented seminars on Bankruptcy and Foreclosure topics at the Bankruptcy Bench Bar Conference of the New Jersey Bar Association on issues related to the Bankruptcy Code and for the National Business Institute on topics in Residential and Commercial Foreclosure and Bankruptcy. He has appeared on New Jersey Channel 12 News on the subject of consumer mortgage foreclosure and bankruptcy-related issues in residential home development.

Practice Areas
  • Bankruptcy
  • Foreclosure Defense
  • Free Consultation
    Free Consultations are offered via Phone or Office Conference for Personal Bankruptcy cases.
  • Credit Cards Accepted
    Debit Cards are accepted on any case. Credit Cards may be accepted. We cannot accept payments via credit card for attorney’s fees from a client who intends to list such payment of fees on a credit card as a debt in a bankruptcy proceeding.
Jurisdictions Admitted to Practice
New Jersey
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3rd Circuit
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Professional Experience
Gillman, Bruton & Capone, LLC
- Current
In 2019, Gillman & Gillman, LLC merged into Gillman, Bruton & Capone, LLC, with Justin M. Gillman, Esq., acting as a Chair of the Bankruptcy, Foreclosure and Litigation Groups.
Gillman & Gillman, LLC
In 2019, Gillman & Gillman, LLC merged into Gillman, Bruton & Capone, LLC, with Justin M. Gillman, Esq., acting as a Chair of the Bankruptcy, Foreclosure and Litigation Groups.
William & Mary Marshall-Wythe School of Law
J.D. (1997)
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Trinity College
B.A. (1994)
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Professional Associations
National Association of Consumer Bankruptcy Attorneys
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New Jersey State Bar Association
- Current
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New Jersey State Bar Association - Bankruptcy Section
- Current
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Speaking Engagements
BOOT CAMP: Foreclosure and Loan Workout Procedures , Foreclosure Boot Camp , Princeton, New Jersey
National Business Institute, Inc.
This program is intended to review the options available when a client faces mortgage default and guide professionals through the mechanics of options including, loan modifications, short sales, deed-in-lieu of foreclosure, and the foreclosure process.
Legal Answers
24 Questions Answered

Q. What if someone is guilty of non-compliance with multiple civil court orders prior to bankruptcy filing?
A: First, you should consult an experienced bankruptcy attorney. This is a very complicated fact situation and how that interplays with the laws in your state and jurisdiction are important. A good lawyer should also review costs with you and give you experienced advice on likelihood of success, etc. That said, as a "party-in-interest" or "creditor", you may contact the appointed trustee in the case and attend the creditors meeting. You would be better served hiring a lawyer to do this who practices regularly in your area. If this is either a Chapter 7 or Chapter 13 bankruptcy, you would have the right to object to the debtor's discharge - 60 days from the creditors meeting. Further, in Chapter 13, you can file a Proof of Claim with the Court and an objection to confirmation of any plan filed.
Q. What type of lawyer do I need?
A: I am not an attorney in Florida but believe your recommended course of action is the same. First, if a company filed bankruptcy, it is public information and therefore accessible. That would be the easiest starting point to determine if the company has filed. Sometimes, companies say they "filed" when they indicate that they "will be filing". Second, its not clear the type of service or product for which you made the deposit or the contract that you signed. Depending on these answers, your rights may be different. I would suggest you contact an attorney who may have familiarity with both bankruptcy and consumer rights and review the contract and situation to learn how best to proceed.
Q. Is curing a default by the date in a notice of intention to foreclose letter in NJ using the once every 18 month renstmt
A: Your question is a little hard to understand but let me try to answer what I think you are asking. First, under NJ foreclosure law, a mortgage company may not file a foreclosure complaint for at least 30 days after the Notice of Intent (NOI) is sent. So this gives you 30 days to cure before a complaint can be filed. After a foreclosure complaint is filed, you may cure mortgage arrears at any point up to entry of a final judgment by right under NJSA §2A:50-57. That provision does state that a "debtor may exercise the right to cure a default as to a particular mortgage and reinstate that mortgage only once every 18 months" with the time period beginning from the "date of cure and reinstatement". I am not aware of any case where a plaintiff has rejected a cure/reinstatement payment based on the argument that the debtor has cured more than once in the 18 month period. However, if you are a defendant in an active foreclosure, I would strongly recommend you consult with experienced counsel.
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Contact & Map
Gillman, Bruton & Capone, LLC
770 Amboy Ave.
Edison, NJ 08837
Telephone: (732) 661-1664
Monday: 9 AM - 5 PM (Today)
Tuesday: 9 AM - 5 PM
Wednesday: 9 AM - 5 PM
Thursday: 9 AM - 5 PM
Friday: 9 AM - 5 PM
Saturday: Closed
Sunday: Closed
Notice: All GBC Office Locations remain open via remote work with necessary appointments maintaining compliance with NJ rules. Every client or prospective client will have access to telephonic and/or video call for all meetings.
Gillman, Bruton & Capone, LLC
Monmouth County - Freehold - Office
54 Hudson Street
Suite 202
Freehold, NJ 07728
Toll-Free: (732) 661-1664
Telephone: (732) 333-0905
Gillman, Bruton & Capone, LLC
Union County - Cranford - Office
23 North Avenue E
Cranford, NJ 07016
Telephone: (732) 661-1664