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Javier Luis Merino

Consumer protection Attorney at North Brunswick, NJ

4.5   11 reviews
  • State Years
    New York - NY 9 years
    New Jersey - NJ 10 years
  • Licensed for 9 years
    State NY
    Acquired 2014
    Currently Registered No misconduct found
  • Licensed for 10 years
    State NJ
    Acquired 2014
    Active No misconduct found

We have not found any instances of professional misconduct for this lawyer.

About Javier

Learn Javier’s areas of practice.

Attorney Javier  Merino began his legal career as an associate at Fuster Law, P.C. after receiving his Juris Doctorate from St. John's University School of Law.  He also volunteered his time assisting in the preparation of bankruptcy petitions while working at the St. John's Bankruptcy Advocacy Clinic.  He is currently a Board Member of the Metropolitan Latino Law Student Association.  He founded Dann & Merino, P.C. to continue his pro-consumer work.  His practice is focused on bankruptcy, foreclosure defense, and negotiating mortgage loan modifications.  



Photos and videos


The Dann Law Firm
1520 U.S. Highway 130
Suite 101
North Brunswick, NJ, 08902

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4.5 / 5.0
  11 customer reviews
Posted by Benigno and Maria | November 30, 2021
This review is from a person who hired this attorney.
| Hired Attorney
Dental Lab Owner/Technician and Registered Dental Hygienist
Mr. Merino and his team fulfilled our needs of a financial fresh start. His dedication throughout the bankruptcy process made us feel at ease and convinced that we had made the right decision. Having his support and advice during these difficult times in our lives, was a blessing.
Posted by Anatole | March 15, 2021
This review is from a person who hired this attorney.
| Hired Attorney
Understands your needs
Since March 2020 a team of DannLaw of Javier Merino and Alison May provided legal help with Deed-in-Lea for our property in Fair Lawn, NJ. They always displayed high standards in dealing with endless documentation and, most important, supported us on a personal level during difficult times. We are grateful for that very much, Lillian and Anatole
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Posted by anonymous | January 31, 2021
This review is from a potential client who consulted with this attorney.
| Consulted Attorney
Javier Merino is truly a consumer advocate and puts the client first. He is the consummate professional and has great ideas about strategy and execution.
Posted by Iris | April 12, 2018
This review is from a person who hired this attorney.
| Hired Attorney
Excellent Attorney
I hired Javier Merino to represent me on a bankruptcy case. I found Javier to be very courteous and professional. He has a beautiful personality as well which made it easy to work with him. There was a lot of paperwork which at times can be very confusing and overwhelming but Javier made sure that I understood everything that was going on and that made my whole experience stress free. I would definitely hire Mr Merino again and will recommend him as well. Thank you for all your help. You are the best!!
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Posted by Nancy Votra | December 13, 2017
This review is from a person who hired this attorney.
| Hired Attorney
The Best Laywer ever
Javier Merino has been a huge help in solving a long-standing problem I have had!! I am grateful and highly recommend him for your attorney needs he is the best!!
Posted by Eric | December 11, 2017
This review is from a person who hired this attorney.
| Hired Attorney
Javier Merino
Javier negotiated with my lender and got me an awesome settlement. He made the entire process stress free. This is the attorney to hire.
Posted by Pilar | December 7, 2016
This review is from a person who hired this attorney.
| Hired Attorney
Loan Modification
Mr Merino, Help me with the transaction of my loan modification, to save my home, dealing with Bank process, other attorneys and else that I was trying for more than 3 years, Now I can say I am less stressed thanks to him.
Posted by anonymous | July 18, 2016
This review is from a person who hired this attorney.
| Hired Attorney
Mr. Javier Merino
Javier helped my family negotiate through constant redundant paperwork from our lender. The Bank which held our mortgage passed along our case for months and months, changing service employees and departments in a never ending stressful cycle. We weren't getting anywhere when a friend recommended Mr. Merino. He professionally moved the process towards a deed in lieu in a timely manner. We closed and moved on with our lives without spending endless hours wondering how or when we could move forward. Time is truly of the essence in all financial transactions. Javier put an end to the madness while always representing our best interests. Thank You!
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Posted by Julie | July 18, 2016
This review is from a person who hired this attorney.
| Hired Attorney
Excellent Attorney!
I could not have asked for a better attorney to represent me than Javier. He is courteous, personable, and simplified the bankruptcy process for me. Thanks to his help, I was able to discharge a large tax liability. I strongly recommend him!
Posted by Sandi | June 22, 2022
This review is from a person who hired this attorney.
| Hired Attorney
Excellent - no delays in communication and I got the results that I needed to keep by home. Kind and understanding always!!!!
Posted by Baron | March 25, 2021
This review is from a person who hired this attorney.
| Hired Attorney
Sour Taste In My Mouth
A horrendous experience and one I wish I had ended long before today. I reached out in May of last year for help with a home loan modification. I already had an agreement in place, which I clearly explained, but I hoped for something more flexible considering the pandemic and some other health issues I was going through. I figured legal help might get me what I was hoping for, so I hired Mr. Merino. I was told it would be a 3-4 month long process...that was 9 months ago. My term was "zero sum game", meaning I wanted to be at a point where I could make standard payments without having to tack on thousands monthly to cover arears. I wasn't looking for waivers or forgiveness, or even lower payments. What I wanted was to take the arears and tack it to the principle, if possible, understanding as well that there might be a penalty involved. During the time this was being worked on paperwork constantly disappeared and I was always told it never arrived. The final use of that excuse, I pointed out that it had been sent Certified, requiring a signature: those papers appeared within literal minutes. This went on for 3 months, until I finally insisted on a face-to-face meeting, in the middle of the Covid shutdown, and me with a compromised immune system, to pass the information: there would be no more lost paperwork. I was given a list of things to bring...and when I got there I was asked to supply two more items that weren't on the list. I will say that some was my fault. There were times it would take me a week to get the correct information together, but constantly being requested to provide new and different information, or the same information in a different form, was tiresome, and I work 50hrs to 60+hrs a week. I was told that the bank required it all, but I don't believe for an instant the lender wouldn't know what to ask for from the very start. I asked to be copied on all e-mail correspondence with the lender, and was not. I asked to be e-mailed recaps of all telephone conversations with the lender, and was not. Only at the end of our relationship were most of the e-mail correspondences sent to me, and even then I've been told that there isn't a certainty that all of them were sent, just the ones he could find. Phone calls were sporadic (partly my fault because at first I wasn't diligent, as I should have been), but when they did occur I was very clear on what I wanted, and to his credit there were some calls with good information. Finally, in late October, 4 months after this 3-4 month process should have already concluded, things finally started to move. Of course, because of the holidays, it was early January before we could really push...and it slogged in to March. About 2-3 weeks back, I am going to get some great news! After 8 months and thousands of dollars, I was presented with...the EXACT SAME OPTION I ALREADY HAD IN PLACE! Not a single difference from what I had already worked out prior to my relationship with Mr. Merino. 100% identical. I was presented with an option that I had already explained from the very beginning wasn't feasible. And to my perception it was presented as though it was a huge win for him and his team. When I noted that they had worked all those months to get to the same point I was already at, and ignored what I wanted to try and do, an assistant advocated for the bank about how great the proposal was, and continued to advocate for the bank even after I requested several times that such not be done. NOTHING was done to pursue the goal I put forth 9 months ago, until a few days recent, by which time I had already decided to terminate the relationship. Nine months with nothing to show for it. I cannot begin to relate how disappointed and upset this process has made me.
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Response from Javier Merino March 26, 2021
Baron, First and foremost, I am sorry that you are so frustrated with our services. While we strive for zealous representation, we cannot always achieve the specific outcome a client desires. This is particularly true when it comes to loan modifications, and because of this, we always advise each new loan modification at the very beginning that we cannot guarantee any outcomes. Here, we tried working with you to gather the necessary documents for the application. Unfortunately, after the USPS failed to deliver several of your mailings, we agreed to meet in person. I understand this can be frustrating for you, however, we cannot control what the USPS can/cannot deliver. After we submitted your package to the bank, we maintained consistent communication and kept you updated as to what was happening. Ultimately, we could not obtain the specific result you wanted. However, that does not mean we did not do our job. Again, I am sorry we could not help you obtain the specific outcome you desired. I wish you the best.
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  • Free Consultation 60 minutes
  • Hourly Rates $ 325-325 per hour
  • Contingency 20%-40%
  • Retainer Always
Payment methods
Cash, Check, Credit Card


AVVO RATING 8.2 (Excellent)

Work Experience

  • Partner
  • Dann & Merino, P.C.
  • 2016 - Present
  • Managing Partner
  • Merino Law, P.C.
  • 2015 - 2016
  • Associate
  • Fuster Law, P.C.
  • 2013 - 2015


  • St John's University School of Law
  • JD - Juris Doctor
  • 2013
  • Rutgers University, New Brunswick/Piscataway
  • BA - Bachelor of Arts
  • 2010


  • Hispanic Bar Association of New Jersey
  • Member
  • 2016 - Present
  • Metropolitan Latina/o American Law Students Association
  • Alumni Director
  • 2016 - Present

Languages Spoken

  • English
  • Spanish


Attorney endorsements

Received (8)
Given (4)
Endorse Javier
Bankruptcy and debt Attorney | Feb 14
Relationship: Worked together on matter
"Javier has been very professional and responsive to emails and calls. He is very knowledgeable and patient with clients. We have worked together on several matters and his input has been outstanding."
Foreclosure Attorney | Jul 26
Relationship: Co-worker
"Javier Merino is an excellent attorney who does not cut corners and cares deeply about his clients. I would highly recommend him. I worked with him and was able to see his legal prowess as well as his deep commitment to see great outcomes for his clients."
Foreclosure Attorney | Jul 21
Relationship: Co-worker
"I worked closely with Javier on a number of cases. He is professional, knowledgeable, and hard working. Javier is dedicated to his clients and will do everything he can to help his clients through their difficult times."
Unknown Attorney | Jul 18
Relationship: Fellow lawyer in community
"Javier is a diligent, intelligent, hard working individual who will guide you through your legal issue with integrity and confidence. I highly recommend him firm and can assure you that Javier handling your matter, you will be in very good hands."
Consumer protection Attorney | Jul 18
Relationship: Fellow lawyer in community
"I endorse this lawyer."
Foreclosure Attorney | Jul 18
Relationship: Worked together on matter
"Javier is a force of energy in the consumer legal community. I have worked with Javier on several matters, and often discussed evolving areas of law and legal issues on the forefront of consumer rights. The bar is stronger having Javier fight for the side of consumers. He is intelligent, aware, and results-oriented in his approach to assisting his clients, whether he is resolving their issues or advocating for their rights as consumers and individuals. I am pleased to endorse Javier Merino."
Foreclosure Attorney | Jul 18
Relationship: Other
"Javier is a very detailed and results oriented attorney. I have enjoyed working with him and watching his manner with his clients. If you are facing any sort of issue related to foreclosure or bankruptcy in New Jersey, I'd highly recommend Javier."
Bankruptcy and debt Attorney | Jul 15
Relationship: Fellow lawyer in community
"Javier Merino, Esq. is an excellent attorney. He gives each client personalized attention and is highly responsive to client needs. You are in good hands with Javier and I highly recommend him!"
View more endorsements
Consumer protection
Bankruptcy and debt