Massachusetts Personal Bankruptcy

Our Bankruptcy Specialties

Personal Bankruptcy Protection

Personal Bankruptcy Options for Individuals and Families

Bankruptcy Means Test

Anyone can file bankruptcy; however, not everyone qualifies for a Chapter 7 Bankruptcy. To determine if you can file a Chapter 7, your attorney will perform a "means test." The means test analyzes your income, expenses and family size to determine whether you have enough disposable income to repay your debts. Those who don’t qualify for Chapter 7 can choose instead to restructure their debts and pay them off through Chapter 13 bankruptcy.

FAQs 2

Once you file for bankruptcy, the court issues an order--known as an “automatic stay." The Automatic Stay prohibits creditors from contacting you, or otherwise pursuing any type of collection activity.  The automatic stay can stop your house from being sold at auction, prevent your employer from deducting wages from your paycheck, and excuse you from a mandatory attendance at a deposition or other lawsuit-related appearance. 

FAQs 3

In most cases, the goal of a personal Bankruptcy is to receive a "discharge" of your unsecured debts.

A discharge is a court order in your bankruptcy case that releases you from personal liability for most debts. Once a debt has been discharged, a creditor is no longer allowd to try to collect the debt. However, not all debts are dischargeable. Certain debts, such as alimony, child support, and student loans, cannot be discharged. Contact us for more information about what debts can and cannot be discharged.


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Keep an eye out for personal bankruptcy scams

Whenever people are in trouble and feeling desperate, you can be sure to find scam artists who are eager to take advantage of them; even if the “assistance” being offered isn’t illegal, the individual or business offering it may be dubious or known for throwing their clients under...

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I often hear clients tell me that they no longer owe xyz credit company a debt because the company “charged off” the debt. However, this is simply not true. Your lenders will generally “write off” a delinquent account as a bad debt after 180 days, or six months...

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