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 16 - 17 of 17 reviews | Practice Area Knowledge

Posted by Nick | October 31, 2014 | Landlord & Tenant

THE lawyer for you

I have needed legal council for various things over the years, and Karl has always gotten the job done. I assumed my current mortgage through Karl, when countless other attorneys and my mortgage company were unable to get the job done. I see him annually when I set up new tenants at my property, an...d call him several times a year with any legal questions I have about ANYTHING. If (and it is an extreme rarity) he does not already know the answer, he FINDS OUT and calls me back the same day. He is not the kind of lawyer who sits there quietly - he speaks up, is very assertive, and gets the job done time and time again. I have gotten to know Karl out side of the office as well, and he is also a good person - something that is rare in the field of money-grubbing lawyers. I have had other experiences prior to calling Karl, and I regret not knowing of him sooner. I will be a client for life with anything I ever need legal counsel on. I'd recommend Karl in a heartbeat.

Posted by anonymous | July 09, 2019 | Hired Attorney | Foreclosure

DECEPTIVE. $24,000 billed for partial foreclosure defense

Originally, I engaged an associate of the Norgaard firm named Cassandra, An Attorney who has been practicing for around six or seven years. The matter was a foreclosure defense. Cassandra was efficient, straightforward, candid and honest. I paid a retainer of $2500 and three subsequent payment...s for a total of $6500 over a few month period. After the representation began, I was informed that Cassandra was pregnant and was soon to take leave for maternity. This was a bit upsetting because despite comprehensive notes left for the succeeding attorney, the new lawyer still needed to be brought up to speed on the strategies and nuances regarding the case. Had I known from the get-go that the original attorney would be leaving in midstream, I probably would have either not hired the firm or requested a different attorney who would stay with the case. When Cassandra took leave, my case was turned over to senior partner Karl Norgaard. I found him to be excitable, controlling and moody, however, I assumed that his experience would out weigh what I felt to be a lack of compassion and understanding. In addition, Karl’s rate was $75 per hour higher than that of Cassandra‘s and he started billing me at $400 per hour as opposed to $325 per hour. Cassandra had told me that winning a foreclosure case was very difficult if not impossible for a defendant. Just a way to ease the process. However, when Karl took over, he started to reinforce that my defenses were valid and would be taken seriously by the court. Several other attorneys have now verified that this was his exploiting my desperation to save my home. In addition, after Cassandra left, my monthly itemized invoices stopped coming despite my requests. Now, I allege that it is because Karl did not want me to see his billing practices. Despite my requests. Each time I would request taking more economically feasible routes in my case, Karl would convince me to proceed otherwise. But, I had no idea of what was about to come. I should also mention that every effort that was taken on my behalf lost miserably. Here is a outline of what was and was not done: First, I answered the foreclosure complaint myself. Mr. Norgaards firm did not assist in or submit a modification package for me. They did file a motion to add to my answer, propounded discovery on my adversary, answered/objected to my adversaries cross motion for summary judgment, attended one hearing and had Conversations with me (a good deal of which were spent rehashing the same information with Mr. Norgaard as originally presented to Cassandra) Before hiring Mr. Norgaards firm I had consulted other attorneys. One quoted me a flat rate of $1500 for a foreclosure defense. The other one quoted me a flat rate of $4000 for a foreclosure defense. I chose the one in the middle. I never expected to exceed the original $2500 retainer asked by the Norgaard firm. On many occasions, I related to Karl Norgaard that we were losing horribly and to simply make a deal with the mortgage company so I could give up the property amicably and resume my life. I had suffered a heart attack and other vascular issues which led me to fall behind in the mortgage. But, despite these requests, Mr. Norgaard always suggested reasons to delay. He stated that he had lenders that may step in or investors that may buy the property and re-mortgage it to me. He never produced anyone. The mortgage company offered to reinstate or to discount reinstatement but Mr. Norgaard never contacted them to determine the option, despite my request for him to do so. Well, then came the blow that led me to write this review. Today, after insisting that I be apprised of my bill, I was told that my balance was $22,000 but discounted to $17,000. This is in addition to the $6500 already paid in. I called and complained and he hung up on me. $24,000 for a partial foreclosure defense? I allege fraud on a senior trying to save his home.

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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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