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If you have debts that you cannot pay, you may be considering filing bankruptcy. A bankruptcy gives you a discharge from your debts. That means you do not have to pay, and you get a fresh start. I help people file for bankruptcy in Massachusetts. I help you all the way through this process, from the first consultation, to the filing, to representing you before the bankruptcy court, to the final order of discharge. I am ready to rescue you from drowning in debt.
Call my office at (617) 523-0712 to receive a free consultation for your case. I will be happy to listen to your personal story, give you an overview of possible solutions, and help you determine whether bankruptcy is right for you. Sometimes bankruptcy is the best or even the only way out of a bad situation, but it is a serious procedure and it is not for every situation.
Anyone can find themselves in an bad financial situation. Bad things happen to good people. All it takes is losing a job, a business failure, an illness, or a tough family situation. Before you know it, your debts have piled up and you get phone calls every day, or worse. Many people struggle for a long time, and finally decide they have had enough. I understand what you have been through, and I want to help you get back on your feet.
In most bankruptcies, you will be able to keep your property. People often falsely believe that they will have to sell everything to pay their creditors if they file bankruptcy. Nothing could be further from the truth. The law allows exemptions for the most common pieces of property. You cannot be forced to sell valid exempt property. Some property is exempt up to a dollar value, such as your house, car, bank accounts, and home furnishings. Other property is exempt no matter what it is worth, such as retirement accounts. The exemptions are usually enough to cover what you own, allowing you to keep it when you discharge your debts.
Bankruptcy stops all debt collection and puts you back in control. Debt collectors may be constantly calling you for payment. You may have been sued, maybe even more than once. You may have settled a law suit, then fallen behind on your payment agreement, leading to more obnoxious calls and threatening letters. A bankruptcy filing can end all this uncertainty and misery. Your case creates an automatic stay of any attempt to collect a debt, no matter what it is, including pending law suits and foreclosure. Everything is consolidated into the Bankruptcy Court. While the automatic stay is in effect, your creditors cannot take further action against you, except through the Bankruptcy Court. Many simply give up and go away. After your bankruptcy case is over, they cannot collect debts that were discharged.
You are eligible for bankruptcy relief. Many people still incorrectly think that the 2005 amendments to the Bankruptcy Code deny them a chance at discharging their debts. While there were some changes to the process in 2005, the number of bankruptcy filings has increased steadily since then, and is now at a high level. There are requirements for eligibility; you may have to be in a Chapter 13 payment plan instead of a Chapter 7 liquidation. I can help you meet the eligibility requirements for the best possible result.
You should have an attorney do your bankruptcy. Bankruptcy filings are complicated, and many special rules apply. There are lots of traps for the unwary. Your bankruptcy is likely to be your first and only experience in the Bankruptcy Court, but I manage these cases all the time. Let me guide you through the process. Your case is too important to risk having it dismissed.
When you have decided to hire me to file your bankruptcy, call to schedule your appointment. Once you have scheduled your appointment, you need to get your paperwork ready for me. Bankruptcy is a complex process and I need to see many financial records to do it correctly. See my guide, Your First Appointment.