Karl J Norgaard

PRO

Karl J Norgaard

4.9
Rating: 10.0

Licensed for 21 years

Bankruptcy and debt Lawyer at Englewood, NJ
Practice Areas: Bankruptcy & Debt, Foreclosure, Real Estate ... +3 more

184 Grand Ave, Englewood, NJ

Free Consultation

About Karl

Biography

I represent debtors as well as creditors in all aspects of New Jersey bankruptcy/foreclosure law.

Whether you are a debtor or a creditor my team of attorneys can help. Initial consults are free.

Whether you are a debtor or a creditor my team of attorneys can help. Initial consults are free.

I can assist you in your commercial/residential real estate transaction. Initial consults are free.

Practice Areas

6

Practice Areas

Bankruptcy and Debt 31%

Our firm represents both debtors as well as creditors and has extensive experience in all aspects of New York and New Jersey Bankruptcy Law.

22 years

31%
Foreclosure 21%

Our firm represents both debtors as well as creditors and has extensive experience in all aspects of New Jersey Foreclosure Law.

20 years

21%
Real Estate 16%

Our firm represents both residential as well as commercial buyers and sellers in real estate transactions.

22 years

16%
Chapter 13 Bankruptcy 12%

12%
Chapter 7 Bankruptcy 12%

12%
Landlord or Tenant 8%

8%

Fees and Rates

Cost

Free Consultation

$0 first 60 minutes

Hourly Rates

$ 250-425 per hour


Payment Methods

  • Cash
  • Check

Awards

Client's Choice
Client's Choice
2025 2024 2021
...
+ 5
AV Preeminent Peer Review Rating

Licenses

Licensed in New York for 21 years

State: New York

Acquired: 2005

Currently Registered

No misconduct found

Licensed in New Jersey for 21 years

State: New Jersey

Acquired: 2004

Active

No misconduct found

Location

NORGAARD O'BOYLE

184 Grand Ave, Englewood, NJ, 07631-3578

norgaardfirm.com/

NORGAARD O'BOYLE

810 Asbury Ave, Suite 206, Ocean City, NJ, 08226

norgaardfirm.com/

NORGAARD O'BOYLE

1025 Westchester Ave, Suite 215, White Plains, NY, 10604

norgaardfirm.com/

Karl J Norgaard's Reviews

Avvo Review Score

4.9 /5.0

58 Client Reviews

Showing 6 - 10 of 16 reviews | General Knowledge

Posted by Jennifer | June 13, 2019 | Hired Attorney | Chapter 13 Bankruptcy

Pure Professionalism

Karl Norgaard glimmer of hope to myself at a time when my options appeared limited and the likelihood of a satisfactory resolution seemed impossible. As one can imagine, one is not in the greatest of states when looking for a bankruptcy attorney. From the onset Karl allayed our fears and anxieties by... his caring professionalism and precise knowledge of what it would take to put my life back together through a Chapter 13 Bankruptcy. Karl also helped negotiate a settlement with an ex-partner who had a hand in my debt. His honesty, guidance and knowledge always put me at ease. I would highly recommend Karl to anyone who is in need of an attorney. I am forever grateful to Karl and his team.

Posted by NR | November 23, 2018 | Hired Attorney | Lawsuits & Disputes

Great lawyer

I am very grateful to have been referred to Norgaard O'Boyle law firm. Karl Norgaard jointly handled my case which involved filing a civil lawsuit . My situation was not straightforward and easy to build a case on. Nevertheless, Karl and Cassandra were able to figure out the best way to approach t...he case in order to achieve its successful resolution without it advancing to the court. Karl was very supportive throughout the process which meant a lot to me. His positive attitude put me at ease. He and his team really care about their clients. I am thankful to have found Karl and his team to help me resolve my difficult situation.

Posted by Amy G. | March 01, 2017 | Hired Attorney | Real Estate

Straight Forward, Honest, Fair

I have hired 3 lawyers prior to this review to help me fix a series of errors that occurred with my mortgages that put me in an unspeakable bind financially. I was referred to Karl by another lawyer, Jeremy Wallace, who kindly said the complexity of my case deserved the best counsel. Karl and his fam...ily will be the 4th firm I have hired in my attempts to remedy these issues. In my short time dealing with his firm - I am already a thousand times more confident of Karl's skill than with any other of the former attorneys I retained. He is a straight talker, no time waster, fair, and has a very broad scope of practice that I pray will serve to finally end a long and arduous mortgage mess. He openly answered all my questions and when it went beyond what we know at this time- he didn't make up any nonsense and lie to me or brush me off. More to be written when these issues are put to bed, but at this moment I can honestly say- I am very grateful for his professionalism and laser focus. I have no idea what the outcome will be, but I believe that it will be handled with care to the best outcome possible.

Posted by Jonathan | April 15, 2016 | Hired Attorney | Business

Credit where it's Due

I want to tell everyone who is looking for an attorney who is the most responsive, productive, straight shooting, no bs, caring about you and your family's worries throughout the stressful times that you face unfortunately when seeking his counsel, to absolutely use Karl Norgaard. He is off the chart...s awesome!! Being worried and confused with the process and procedure of the collapse of my business, I had many questions, needed everything explained and relied on Karl and his team to take my life into their hands. They did just that and then some. Then some meaning they went way above and beyond the caliper of professionalism and expertise I needed. I highly recommend anyone to seek out Karl and his team. They are the best of the best and I don't say that lightly. I can't say thank you enough to him for his excellence in every area of law and the field he represents.

Posted by Michael | June 10, 2015 | Foreclosure

Complicated and stressful mortgage foreclosure action

Karl and his team have done a masterful job at handling not only the legal aspects of my family's situation, but the incredibly stressful and emotional aspect of our financial situation. I was referred to Karl by a professional colleague that highly recommended him. I echo that recommendation. I...n 2013, my wife and I found ourselves in foreclosure with an investor that was unwilling to modify our loan terms after 2 attempts, multiple appeals and multiple complaints to the CFPB, the OCC, our congressman and senator. Our only option was to get advice on how to stay in our home long enough to allow our son to finish the school year and give us time to find a new place to live. From the very first meeting and over the course of the year that has transpired, Karl and his team have consistently given us advice that was legally sound but was also crafted based on up-to-the-minute information regarding what the bank and their attorneys were doing or had done. Karl and his team are anything but "cookie cutter" when it comes to their law practice. And with the complexities of our situation, their approach has allowed us to stay in our home 6 months longer than expected with no imminent need to find a new place to live in sight. On top of having the burden of losing our home, our financial situation was worse than dire. I worked in a profession that over the course of 3 years from 2009 to 2012 my income had dropped to 1/4 of what I earned previously. We had liquidated all savings and retirement keeping up with our housing payments. This left us with very little money to commit towards legal expenses. We had no expectation that Karl and his firm would work for free or even reduced fees, but they were more than willing to work with us regarding retainer and ongoing costs. They are currently still working on our case and will continue to do so. If anyone is looking for a law firm with laser-sharp legal experience that hasn't lost it's sense of compassion, I cannot recommend Karl Norgaard's firm enough. Without hesitiation.

See All Client Reviews

Karl J Norgaard's Lawyer Endorsements

Endorse Karl
John Matthew Shari headshot
John Shari

Bankruptcy and debt lawyer | Jan 15

Relationship: Fellow lawyer in community

"Karl is thorough, loyal, and has unparalleled knowledge of the technicalities of bankruptcy and foreclosure. I have known Karl for 20 years, and would recommend Karl to any of my friends and family who need legal advice."

Joel M. Ferdinand headshot
Joel Ferdinand

Litigation lawyer | Jun 09

Relationship: Fellow lawyer in community

"I endorse this lawyer."

David Stevens headshot
David Stevens

Bankruptcy and debt lawyer | Jan 28

Relationship: Fellow lawyer in community

"I am a fellow attorney and have had the opportunity to work with Karl on a many matters. He is always prepared, well informed, and a vigorous advocate for his clients. I have even turned to him when I needed a second opinion. He is a superb professional and I recommend him."

Richard E Weltman headshot
Richard Weltman

Bankruptcy and debt lawyer | Jan 21

Relationship: Fellow lawyer in community

"I endorse Karl J. Norgaard, having known him for many years to be an effective and client-centric advocate."

Leonard Roy Boyer headshot
Leonard Boyer

Bankruptcy and debt lawyer | Jun 13

Relationship: Fellow lawyer in community

"I endorse this lawyer. Mr. Norgaard is a very effective advocate for his clients and is exceptionally knowledgeable."

John V Carrino headshot
John Carrino

Bankruptcy and debt lawyer | May 21

Relationship: Worked together on matter

"Karl is a tremendous man of integrity and honest in all his professional dealings. I highly endorse Karl Norgaard to handle your bankruptcy needs. Great man."

Frank T. Luciano headshot
Frank Luciano

Bankruptcy and debt lawyer | Dec 09

Relationship: Worked together on matter

"I endorse this lawyer. I have worked with Karl Norgaard on a number of debtor/creditor issues. He is a consummate and disciplined lawyer. I have referred a number of clients to him and each and every one have been pleased with his assistance."

Christian K. Lassen II headshot
Christian Lassen

Unknown lawyer | Jan 25

Relationship: Fellow lawyer in community

"I endorse this lawyer."

Roberto Cuan headshot
Roberto Cuan

Bankruptcy and debt lawyer | Oct 31

Relationship: Fellow lawyer in community

"I strongly endorse Karl. Karl is an excellent negotiator and has a deep knowledge of the law. He is especially well versed in matters involving bankruptcy and creditor's rights. Karl will handle your matter with skill and care and is always focused on the best interests of his clients."

Anthony D. Seymour headshot
Anthony Seymour

Bankruptcy and debt lawyer | Oct 20

Relationship: Worked together on matter

"I endorse this lawyer. I have worked closely with Karl Norgaard on a number of matrimonial, debtor-creditor and bankruptcy matters over the past five years and have referred several clients to him for debtor/creditor and bankruptcy matters. His analysis, legal advice and client representation has been outstanding across the board, and I am pleased to recommend him and to refer clients to his firm."

Virginia Elizabeth Fortunato headshot
Virginia Fortunato

Bankruptcy and debt lawyer | Oct 14

Relationship: Worked together on matter

"I confidently endorse Karl! He is an asset to the Bankruptcy Bar."

Charles, J Rabolli headshot
Charles, Rabolli

Foreclosure lawyer | Oct 12

Relationship: Worked together on matter

"I have been a court appointed rent receiver in matters where Karl was plaintiff's counsel. I have always found him responsive to my calls and reasonable in his positions while still being an advocate for his client"

Daniel Ray Lasar headshot
Daniel Lasar

Commercial real estate lawyer | Oct 06

Relationship: Opposing Counsel on matter

"I endorse this lawyer. Karl is very professional, yet easy to work with. He represents his client thoroughly. Excellent attorney."

Thomas J Orr headshot
Thomas Orr

Bankruptcy and debt lawyer | Oct 04

Relationship: Opposing Counsel on matter

"I endorse this lawyer."

Alex A Pisarevsky headshot
Alex Pisarevsky

Foreclosure lawyer | Oct 03

Relationship: Opposing Counsel on matter

"I strongly endorse Karl. We have been adversaries in two matters. Karl forcefully pursues his clients' interests, has a deep knowledge of the law, and is an excellent negotiator. He gets the job done in an area of the law where it is often difficult to do so."

Sam Della Fera headshot
Sam Della Fera

Chapter 11 bankruptcy lawyer | Oct 03

Relationship: Fellow lawyer in community

"I endorse this lawyer."

David G Beslow headshot
David Beslow

Bankruptcy and debt lawyer | Oct 03

Relationship: Fellow lawyer in community

"I strongly endorse Karl. His broad range of bankruptcy knowledge and experience gives him the ability to represent both creditors and debtors at an extremely high level. He can think outside the box and as such can provide his clients with reasonable work out solutions. He is well respected by both the bench and bar for being honest, intelligent and an extremely good attorney."

Casey Thomas Chamra headshot
Casey Chamra

Bankruptcy and debt lawyer | Oct 03

Relationship: Fellow lawyer in community

"I endorse this lawyer."

Gary K Norgaard headshot
Gary Norgaard

Chapter 11 bankruptcy lawyer | Nov 12

Relationship: Family member

"I endorse this lawyer."

View All Endorsements
John Matthew Shari headshot
John Shari

Real estate lawyer

William Robert Marth headshot
William Marth

Personal injury lawyer

Richard E Weltman headshot
Richard Weltman

Bankruptcy and debt lawyer

Jaclynn McDonnell headshot
Jaclynn McDonnell

Bankruptcy and debt lawyer

John V Carrino headshot
John Carrino

Contracts and agreements lawyer

Galit Moskowitz headshot
Galit Moskowitz

Divorce and separation lawyer

Ian J Hirsch headshot
Ian Hirsch

General practice lawyer

Mark Evan Norgaard headshot
Mark Norgaard

Real estate lawyer

Brian G. Hannon headshot
Brian Hannon

Bankruptcy and debt lawyer

Frank T. Luciano headshot
Frank Luciano

Criminal defense lawyer

Roberto Cuan headshot
Roberto Cuan

Criminal defense lawyer

Daniel Ray Lasar headshot
Daniel Lasar

Real estate lawyer

David G Beslow headshot
David Beslow

Bankruptcy and debt lawyer

Gary K Norgaard headshot
Gary Norgaard

Bankruptcy and debt lawyer

Experience

Rating:  10.0 (Superb)

Honors

2025

Super Lawyer, Super Lawyers

2024

Super Lawyer, Super Lawyers

2023

Super Lawyer, Super Lawyers

2022

Super Lawyer, Super Lawyers

2021

AV Peer Review Rating- Preeminent, Martindale-Hubbell

2021

Super Lawyer, Thomson Reuters

2019

Rising Star, New Jersey Super Lawyer

2018

Rising Star, New Jersey Super Lawyer

2017

Rising Star, New Jersey Super Lawyer

2016

Rising Star, New Jersey Super Lawyer

2015

Rising Star, New Jersey Super Lawyer

2014

Rising Star, New Jersey Super Lawyer

2010

Client Rating, Martindale-Hubbell

Work Experience

2004 - Present

Partner, NORGAARD O'BOYLE

Associations

2013 - Present

New Jersey Bankruptcy Lawyers Foundation

Trustee

2013 - Present

American Inns of Court

Barrister

New Jersey Bar Association

Member

Bergen County Bar Association

Member

New Jersey Bankruptcy Bar Association

Member

2008 - 2010

Borough of Leonia

Councilman

Sample of Legal Cases

One New Alliance et. als. v. Pai-CHun Lin, et. als. BER-C-144-19

We prevailed and the contract was enforced

See More Legal Cases

Education

2004

Seton Hall University School of Law

JD - Juris Doctor

2001

Rutgers College

BA - Bachelor of Arts

1997

Saint Joseph Regional High School

Speaking Engagements

2015

Bergen County Bar Association

Introduction to Insolvency Proceedings: Bankruptcy or Assignments for the Benefit of Creditors?

2015

Bergen County Bar Association

Learn and Earn with Reverse Mortgages

2014

Bergen County Bar Association

Reverse Mortgages: Creative Strategies

2012

Bergen County Bar Association

Ethics & Social Media

2011

Bergen County Bar Association

Assignments for the Benefit of Creditors or Bankruptcy

Publications

Languages

English

Activity

Avvo Rating

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  • Legal community recognition Peer endorsements, associations, awards
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Avvo Rating Levels
10.0 - 9.0 Superb8.9 - 8.0 Excellent7.9 - 7.0 Very Good6.9 - 6.0 Good5.9 - 5.0 Average4.9 - 4.0 Concern3.9 - 3.0 Caution2.9 - 2.0 Strong Caution1.9 - 1.0 Extreme Caution