Massachusetts Chapter 7 Bankruptcy Attorneys
Filing for personal bankruptcy under Chapter 7 allows individuals in financial trouble to eliminate certain debts, and liquidate their property and other personal assets to pay off debts they cannot legally discharge. Bankruptcy also provides relief from creditor harassment, wage garnishments auto repossessions and more. Chapter 7 bankruptcy can be complex and create even more problems if not handled properly.
As a community-focused law firm, Dane Shulman Associates, LLC will evaluate your needs and help you determine if pursuing Chapter 7 bankruptcy is right for you. Contact us for experienced help taking advantage of existing bankruptcy protection and discuss other options to your financial troubles.
Most bankruptcy attorneys limit their practice to only bankruptcy. They are unaware of the interplay with other legal matters you may have. We have the knowledge and resources of a team that works together for your optimal results.
Changes to bankruptcy laws and the means test
Persistent rumors and misinformation about recent changes in bankruptcy laws have lead many people to believe bankruptcy is no longer a viable form of debt relief. While the process to determine who is eligible and certain other requirements have changed, Chapter 7 bankruptcy alive and well, and definitely still available.
As a debtor filing for Chapter 7, you must pass a "means test" that compares your average income six months prior to filing with the median income established for Massachusetts. Those who fall below the median can file for Chapter 7 bankruptcy, those above must generally use Chapter 13.
Assistance with debt liquidation under Chapter 7
The Chapter 7 process can be complicated and our bankruptcy lawyers pride themselves on standing by your side at every step. We will educate and guide you, answering your questions and keep you up to speed on the progress of your case regarding:
- Handling secured debts involving homes, cars and other real property
- Discharging unsecured debts for credit cards, utility bills and more
- Paying debts that can't be discharged, including student loans and child support payments
Bankruptcy can affect other matters for individuals and families, from a divorce to personal injury awards and taxes. We see the bigger picture. With our help you can learn how a Chapter 7 bankruptcy can impact all other areas of your life, and create a strategy that fits your goals and objectives. Once you file, an automatic stay goes into effect against all creditors that prevents any further collection action against you, effectively putting an end to harassment
If filing for bankruptcy is not your best option, we can instead help you clear debt by negotiating with creditors to arrange payment plans, make lump sum payments, etc. You may be surprised by the results of our negotiation skills.
Get a fresh start on a better financial future
Helping you make informed and sound legal decisions about how to proceed with your financial and personal concerns is important to us. Contact our Chapter 7 bankruptcy attorneys at Dane Shulman Associates for a free consultation. Call us to make an appointment.
Federally Designated Debt Relief Agency
