My question involves collection proceedings in the State of: NJ

I was curious to find out how much notice you have to give a non jury trial to get an adjournment. The case involves a defaulted loan from a credit union. We need time to explore options such as bankruptcy. In order to file for bankruptcy, you need to go through credit counseling which is, I believe, at least six months.

How long an adjournment can you get? I think we'd be looking at over a year to get this situated. And, if it turns out you can't or aren't eligible to file for bankruptcy, can you be held liable for ongoing interest on the account?

And, if you go to the hearing and they want to collect (either through garnishment of wages or a payment plan), is there a way to only pay the original amount that was owed and get rid of all the interest and penalties?

Thanks for any help