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Karl J Norgaard
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About Karl
Biography
Karl J. Norgaard is a well-sought-after bankruptcy attorney known for his dedication to pushing through all hardships and helping clients. He primarily serves people residing in and around Bergen, Hudson, and Passaic counties and Morristown through the New Jersey-based law firm Norgaard, O’Boyle & Hannon in Englewood, where he is also a partner. He primarily handles cases involving foreclosure law, creditors’ and debtors’ rights, and civil litigation and real estate litigation as well. Norgaard, O’Boyle & Hannon represents individuals as well as business entities and, routinely prosecutes foreclosure cases for both institutional and private lenders, as well as representing defendants in the foreclosure litigation.
Mr. Norgaard received his Bachelor of Arts degree in political science from Rutgers College and graduated in the early 2000s. Later, he attended the Seton Hall University School of Law in Newark and obtained his Juris Doctor in 2004. He was admitted to practice law in New Jersey the same year and in New York a year later.
Right after graduating from law school, Mr. Norgaard joined Norgaard, O’Boyle & Hannon and has been representing the people of New Jersey through the firm for the past 20 years. Throughout his career, he has worked closely with debtors and creditors in New Jersey and New York and has advised and assisted them in asserting their legal rights and remedies. Mr. Norgaard has extensive experience and knowledge in both state's bankruptcy laws. He has also worked with clients to resolve their mortgage delinquencies through the loan modification process.
Described as a reliable and responsive attorney by one of his previous clients, Mr. Norgaard always maintains open communication with his clients and earnestly helps them with any ordeal that arises during the case. His legal proficiency and work have been lauded by his peers and he was rated AV Preeminent* through Martindale-Hubbell. He also holds a 10/10 score on Avvo.
Mr. Norgaard is well-known in his legal community not only for his day-to-day work but also for numerous lectures given through the Institute of Continuing Legal Education. A barrister at the American Inns of Court, he holds memberships in other organizations such as the New Jersey Bankruptcy Bar Foundation, the Bergen County Bar Association and the Association of the Federal Bar of New Jersey.
Karl J. Norgaard is a debt relief agent. He helps people file for bankruptcy relief under the Bankruptcy Code.
*AV®, AV Preeminent®, Martindale-Hubbell Distinguished and Martindale-Hubbell Notable are certification marks used under license in accordance with the Martindale-Hubbell certification procedures, standards and policies. Martindale-Hubbell® is the facilitator of a peer-review rating process. Ratings reflect the anonymous opinions of members of the bar and the judiciary. Martindale-Hubbell® Peer Review Ratings™ fall into two categories – legal ability and general ethical standards.
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%
22 years
Foreclosure
21%
20 years
Real Estate
16%
22 years
Chapter 13 Bankruptcy
12%
Fees and Rates
Cost
Hourly Rates
$ 250-425 per hour
Payment Methods
- Cash
- Check
Awards
2025 2024 2021
...
+
5
Licenses
Licensed in New York for 21 years
State: New York
Acquired: 2005
No misconduct found
Licensed in New Jersey for 21 years
State: New Jersey
Acquired: 2004
No misconduct found
Location
Karl J Norgaard's Reviews
Avvo Review Score
58 Client Reviews
Filter Avvo Reviews (58)
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Practice Areas
Lawsuits & Disputes (12)
Bankruptcy & Debt (9)
Foreclosure (9)
Real Estate (8)
Debt Settlement (5)
Landlord & Tenant (5)
Business (3)
Debt & Lending Agreements (2)
Chapter 13 Bankruptcy (1)
Commercial (1)
Contracts & Agreements (1)
Debt Collection (1)
Family (1)
Financial Markets and Services (1)
Litigation (1)
Probate (1)
Residential (1)
What Clients Mention
Showing 1 - 5 of 12 reviews | Communication Style
Posted by Daniel | February 03, 2025 | Hired Attorney | Real Estate
A rarity among attorneys
I have been a real estate professional for over 20 years now. During this time, I have hired (and fired) many attorneys. I find Mr. Norgaard to be not only professional but extremely competent, responsive and knowledgeable. He's solution based and the type of attorney that thinks outside of the box w...
Posted by Pradip | January 23, 2025 | Hired Attorney
Great Talent, Great understanding of law
Well Has done a lot of work for us. Always helped us to understand the issues and helped us to resolve it.
Posted by HK | December 18, 2023 | Hired Attorney | Landlord & Tenant
Honest, Direct and Efficient!
Karl provided excellent legal representation in protecting me from a very difficult and aggressive tenant who would not vacate my home at the end of the lease, and even had the audacity to sue me for not renewing the lease, when it was within my legal rights. This whole ordeal, along with the bull...
Posted by Louis & Joan | July 08, 2019 | Hired Attorney | Bankruptcy & Debt
Norgaard/OBoyle To The Rescue !!
When our financial situation deteriorated to the point of imminent collapse, a good friend referred me to Karl Norgaard. The words I remember him saying were ..."Karl will systematically review your entire situation, recommend a course of action, and never ever steer you wrong". Soothing words, but f...
Posted by anonymous | November 21, 2018 | Hired Attorney | Bankruptcy & Debt
Private Lender
Karl is an excellent attorney with excellent communication skills. We give him our foreclosure/bankruptcy work and rest easy knowing we're in good hands. He is also thorough in his DD for note acquisitions, both non-performing and performing.
Karl J Norgaard's Lawyer Endorsements
"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."
"I endorse this lawyer."
"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."
"I endorse Karl J. Norgaard, having known him for many years to be an effective and client-centric advocate."
"I endorse this lawyer. Mr. Norgaard is a very effective advocate for his clients and is exceptionally knowledgeable."
"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."
"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."
"I endorse this lawyer."
"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."
"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."
"I confidently endorse Karl! He is an asset to the Bankruptcy Bar."
"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"
"I endorse this lawyer. Karl is very professional, yet easy to work with. He represents his client thoroughly. Excellent attorney."
"I endorse this lawyer."
"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."
"I endorse this lawyer."
"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."
"I endorse this lawyer."
"I endorse this lawyer."
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Experience
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 FoundationTrustee
2013 - Present
American Inns of CourtBarrister
New Jersey Bar Association
Member
Bergen County Bar Association
Member
New Jersey Bankruptcy Bar Association
Member
2008 - 2010
Borough of LeoniaCouncilman
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
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
Legal Answers
Legal Answers
Q&A
I sued a medium sized company, no judgment yet, they filed for bankruptcy. Can I file an adversary proceeding to contest discha
16 Mar 2022
Q&A
How can a mortgage company change my terms
18 Mar 2022
Q&A
What happens after I pay off my mortgage in NJ?
17 May 2021