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Karina Pia Lucid, Esq., LLC

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United States
Bridgewater, NJ
Karina Pia Lucid, Esq., LLC

Debt relief law firm - helping individuals and businesses solve debt problems.

As a solo practitioner, Karina Lucid brings together the know-how of a successful small business owner, the skills and experience of a big firm bankruptcy litigator, and the balanced approach of a seasoned negotiator. This unique combination makes Karina Lucid the perfect choice for a client seeking a highly skilled, experienced attorney that will represent their interests with uncompromising lega

l standards as well as respect, compassion and consideration for the client’s individual circumstances. Karina Lucid is a New Jersey attorney licensed to practice in both State & Federal Court.

07/13/2026

We’re Hiring: Associate Attorney! ⚖️💼

Lucid Law is looking for a dedicated Associate Attorney to join our consumer bankruptcy and debt resolution team in Bridgewater, NJ.

If you have a strong background in Chapter 7 practice and out-of-court debt settlements, we want to hear from you!

👉 Click here to view the full job description and apply today: https://www.karinalucidlaw.com/careers/

07/12/2026

Life is full of unexpected shifts. If you are expecting an inheritance, a life insurance payout, or a property settlement, the exact timing of your bankruptcy filing becomes crucial. Lucid Law Bankruptcy Attorneys carefully analyze your financial timeline to ensure unexpected assets are handled strategically.

⚠️ Did you know? An inheritance received within 180 days after filing a Chapter 7 case can still be pulled into the bankruptcy estate if it isn't legally planned for.

We help financially overwhelmed families to get a fresh start and build a better future—contact Lucid Law Bankruptcy Attorneys today.

07/11/2026

A major source of anxiety for many families is the fear that a court officer will arrive to inventory and liquidate their household furniture, electronics, or clothing. The reality under bankruptcy exemptions is vastly different. At Lucid Law Bankruptcy Attorneys, we protect your everyday necessities so your life transitions smoothly.

🏡 Federal and state exemptions are designed specifically to keep your household goods, clothing, and personal items completely safe.
🏡 The vast majority of personal filings are classified as "no-asset" cases, meaning you keep everything you own.

Find out how can clear your slate while keeping your home intact by reaching out to Lucid Law Bankruptcy Attorneys.

07/06/2026

When financial pressure mounts, it’s natural to want to pay back family members or close friends who loaned you money. However, making large payments to loved ones right before seeking debt relief can accidentally create legal issues. Lucid Law Bankruptcy Attorneys can guide you on the rules surrounding what the court calls "preference payments."

🔹 The Rule: The court looks back at payments made to "insiders" (like relatives) within a year before filing to ensure all creditors are treated fairly under the law.

Ensure your path to relief is legally sound by scheduling a strategy session with Lucid Law Bankruptcy Attorneys.

07/03/2026

Mid-year is a great time to review financial health metrics. Many New Jersey residents mistakenly assume that earning a steady paycheck automatically disqualifies them from Chapter 7 debt liquidation. At Lucid Law Bankruptcy Attorneys, we look closely at how state median income rules apply to your unique household size.

✨ Tip: The "Means Test" evaluates your income against the New Jersey average, but it also heavily factors in mandatory expenses like taxes, health insurance, and secured debt payments.

Say goodbye to debt and hello to your financial fresh start by contacting Lucid Law Bankruptcy Attorneys for a personalized assessment.

06/24/2026

Moving debt from one high-interest credit card to a 0% introductory rate card feels like a win. However, if you are just shifting balances without a realistic plan to pay them off, you may be delaying a necessary solution. At Lucid Law, we help families stop the exhausting game of moving numbers around.

🌟 Reality Check: Shifting debt often incurs balance transfer fees that actually increase your total liability over time.

We help financially overwhelmed families to get a fresh start and build a better future—contact Lucid Law to break the cycle.

06/23/2026

Medical bills frequently cause severe financial distress. If you've been using a Health Savings Account (HSA) or a Flexible Spending Account (FSA) to manage medical costs, you might wonder if those funds are safe during debt reorganization. Lucid Law helps you navigate the intersection of healthcare accounts and bankruptcy laws.

💡 Fact: While retirement accounts have broad protections, HSA funds require specific legal exemptions to keep them safe from creditors during a filing.

Let Lucid Law help you manage your financial grief and protect your healthcare safety net.

06/20/2026

Life can change in an instant. If you are expecting an inheritance, a life insurance payout, or a property settlement, the timing of a bankruptcy filing is critical. At Lucid Law, we analyze your specific timeline to ensure unexpected assets do not disrupt your path to relief.

⚠️ Did you know? An inheritance received within 180 days after filing a Chapter 7 bankruptcy can still become part of the bankruptcy estate if not planned for correctly.

Ensure your family's future is legally protected by consulting with Lucid Law today.

06/15/2026

A very common worry is that filing for bankruptcy means a court official will come to your house and take your furniture, electronics, or clothes. The reality under New Jersey and federal guidelines is much more reassuring. Lucid Law utilizes specific property exemptions to keep your everyday life completely intact.

🏡 The law allows you to protect standard household goods, clothing, and personal items up to specific dollar limits.
🏡 The vast majority of consumer filings are "no-asset" cases, meaning clients keep everything they own.

Discover how can clear your slate while keeping your home intact by reaching out to Lucid Law.

06/12/2026

When you ask a family member to co-sign a loan, your financial grief can easily become theirs. If you are struggling to make payments on a co-signed debt, it is vital to know how bankruptcy affects both parties. At Lucid Law, we provide clear guidance on how different bankruptcy chapters protect or impact your loved ones.

🔹 Chapter 13 Protection: This chapter includes a "co-debtor stay," which can temporarily stop creditors from going after your co-signer while you complete your plan.

Protect your relationships and your future by discussing your options with Lucid Law.

Address

1065 U.S. 22 West
Bridgewater, NJ
08807

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+19083507505

Website

http://www.KarinaLucidLaw.com/

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