Charles Juntikka & Associates, LLP (CJA Law) was founded by Charles Juntikka on July 3, 1984.
Mr. Juntikka graduated from the University of Michigan in 1978 and from New York Law School in 1982.
As a member of the Association of the Bar of the City of New York, he has served on the Committee on Judicial Ethics.
Since Mr. Juntikka's
firm was founded 28 years ago, it has grown into the largest filer of personal bankruptcies in the New York City area.
The firm has filed the most personal bankruptcies in New York City for approximately twenty years in a row and has represented over twenty thousand clients.
CJA Law's guiding spirit remains to protect struggling families from the greedy credit card industry and other consumer frauds.
has explained his
view on this subject in the media on many occasions:
"While no one wants not to pay their debts, it has become clear to everyone during these bad economic times that the banks have been intentionally lending money in the hopes that financially strapped families will borrow too much.
Once individuals are trapped in debt, the banks raise interest rates astronomically.
When this happens, the bankruptcy law is the help our society gives to everyone - including companies themselves - when hard times happen."
From the beginning, Mr. Juntikka's
firm has been well known for the spirit with which it represents its' clients.
, along with his
associate attorneys and staff enjoy using the bankruptcy law to eliminate their clients' debts and to help them get a "fresh start.
They also encourage clients to rebuild their credit after bankruptcy.
The staff at Mr. Juntikka's
firm derives real satisfaction from protecting financially pressed individuals that are being taken advantage of by high interest credit card companies and predatory lenders.
himself is also well known for his
has been consulted by and quoted on bankruptcy issues and credit reporting issues by media outlets including the New York Times, Wall Street Journal
, Washington Post
, and CNN
, among others.
A few highlights of his
career include the following:
Here are some of the details of Mr. Juntikka's
campaigns that have improved the lives of New York and New Jersey residents and millions of others who have been the victims of predatory bankers, credit card companies, credit reporting agencies and other consumer fraud perpetrators:
? Successfully Fighting to Improve New York State's
In December of 2010, Charles Juntikka
successfully organized a coalition of law professors, consumer and good government groups, and bankruptcy attorneys to the fight to improve New York State's
Public Radio, NBC
Albany and other news outlests all covered Mr. Juntikka's
Here is what consumer advocates said in email's to Charles
? New York Time's editorial writer, David Firestone, in response to my email thanking him: "Thanks for your note, Charles, but it sounds like the fine work you guys did had far more effect than our phone calls.
Mr. Juntikka, along with former NY Attorney General Oliver Koppel, sued four major credit counselors/credit managers (The InCharge Institute of America, American Financial Solutions, Genus Credit Counseling and Cambridge Credit Management).
In 2005, Mr. Juntikka
instigated a class action lawsuit against Experian, Equifax and Trans Union
for failing to clean up debtors' credit reports after bankruptcy.
From 2000 to 2005, Mr. Juntikka
helped organize the effort to stop the credit card companies from lobbying the politicians in Washington, DC to destroy the bankruptcy law.
Although a new law did pass in 2005, the worst parts of the new law were intercepted by the efforts of Mr. Juntikka
and other consumer advocates.
As a result, most people can still file bankruptcy.
office is a place where I feel welcome and I know when I entered his
office I was unsure about what would happen but left feeling as if Mr. Juntikka
would help me with anything i needed.
is very caring and walks you through every step of the case so you don't feel out of the loop in whats going on.
I could not recommend anyone else other than Charles Juntikka."
Testimonial by Mareta W.
"I would recommend Charles Juntikka & Associates
to anyone who is in need of excellent representation during bankruptcy.
They let me know what to expect from the beginning to the end, my worries were put to rest once everything was explained.
Thank you, Mr. Juntikka
and your staff for your patience and excellent service on a job well done.
Testimonial by Sandra H.
"My experience with Mr. Juntikka
I recommend them considering Juntikka
honestly cares about his
"Mr Juntikka is a excellent lawyer and his team is also, very professional and a plus to have for these difficult times in my life personally.
has explained in great detail what filing for bankruptcy is all about, and i strongly recommend it to any one that has been under so much debt for many years, its worth it and within 18 months you will have your pride back to be able to buy a home again, a car and any thing else in life you desire.
Just make sure you can afford it according to your salary so you don't end up in debt again, this is what i will be doing personally.
Thank you so much Mr Juntikka
for all your help."
Testimonial by Shelldean G.
"Wonderful customer service.
I was treated very well.
is very personable and sees his
clients personally to explain their bankruptcy to them.