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Chapter 7 and Chapter 13 Personal Bankruptcy Lawyers!
We Offer Legal Solutions for Families and Individuals In Framingham
Experience and extensive knowledge is at the core of our practice. At Hines Law Offices, we handle Chapter 7 and Chapter 13 cases near and beyond Framingham MA, as well as neighboring cities throughout our Middlesex County and Worcester County. Rest assured that we will stand by your side, no matter what specific issues you may be facing, our commitment is to safeguard your interests and your future by providing the right solution for your case.
Representing Personal Bankruptcy Clients Throughout Massachusetts
Our Full-Service Legal Firm handles all types of personal debt relief matters. Throughout the years, we have been privileged to serve clients in Framingham, Watertown, Westborough, Worcester, Leominster, and beyond. Our expertise includes Chapter 7 and Chapter 13 filing as well as assisting our clients implement a plan to rebuild their future.
ARE YOU LOOKING FOR A BANKRUPTCY LAWYER IN MASSACHUSETTS?
Call Us Daytime or Evening, We Can Help!
ARE YOU CONSIDERING A NEW FINANCIAL START?
We Can Help!
Let our Legal team help you STOP creditor harassment, and get a fresh financial start in life!
We acknowledge that personal bankruptcy situations are complicated, confusing, and many times difficult to embrace. Frequently, the results of these circumstances impact you as well as your loved ones for the rest of your lives. You deserve the most trusted and knowledgeable lawyer that will fight for your rights! Our attorneys specialize in Chapter 7 and Chapter 13 filing.
Is your credit card debt overwhelming? Are you struggling to keep up with your bills? Are you facing foreclosure or repossession? We can help you! We aid our clients with supportive as well as compassionate advice when it is required most. In addition to our vast experience in legal matters, we have a high degree of success in helping our clients obtain lasting debt relief in a timely and effective manner.
5 Office locations throughout Worcester and Middlesex Counties including the cities of:
Worcester, Framingham, Watertown, Westborough, and Leominster.
Holly Hines is a graduate of Anna Maria College, B.A., and a graduate of Massachusetts School of Law. Holly Hines has been licensed to practice law for over 11 years, and established her own Law Firm in 2005, specializing in Chapter 7 and Chapter 13 bankruptcy cases.
Attorney George N. Piandes graduated from Stone Hill College and Massachusetts Law School. In 1998, he was admitted to the Bar of the Commonwealth of Massachusetts. George N. Piandes, has been licensed to practice law for over 10 years. His expertise is bankruptcy and real estate law, as well as litigation.
Chapter 7 vs Chapter 13 Bankruptcy Protection in Massachusetts
Choosing whether to file for Chapter 7 or Chapter 13 can be a little confusing. Deciding which is the right choice for you depends on your debts, assets, and your income. Our Lawyers locally here in Massachusetts understand the bankruptcy laws and can help guide you through the process, so that you avoid problems and benefit the full protection you deserve.
Why Choose Chapter 7 Bankruptcy Protection
What is Chapter 7 bankruptcy? Chapter 7 bankruptcy is a liquidation proceeding is the most common form of protection for an individual a person to eliminate debt. Often people can completely discharge unsecured debts, including medical bills, personal loans, credit card bills, foreclosures, and car repossessions to name a few. To qualify for Chapter 7 in Massachusetts, you must have little or no disposable income. The courts will consider your median income, and household expenses. Even though there are barriers to filing for debt relief, Chapter 7 is still a viable option for many individuals. The experienced attorneys at our law firm can help.
Chapter 7 offers immediate relief and debt forgiveness by preventing creditors from:
Proceeding with Foreclosure
Repossessing Your Car or Other Assets
Harassing You with Collection Calls
Garnishing Your Wages
Filing Lawsuits to Collect on Your Debt
Why Choose Chapter 13 Bankruptcy Protection
Chapter 13 bankruptcy is a low-interest, and sometimes interest-free debt repayment plan that consolidates your debt for repayment over a period of years. Chapter 13 is helpful for debtors who have regular income and can pay back a portion of their debts through a repayment plan. This can be an advantage as individuals can restructure their debts and keep their property, without the fear of repossession or foreclosure. This debt relief option is often referred to as reorganization bankruptcy.
Stop Garnishment of Wages. By restructuring your debts through bankruptcy protection, you can avoid the stress of garnishment. We understand the anxiety with having trouble paying your bills and restructuring your debt as soon as possible is the first step to a new financial beginning.
Eliminate 2nd and 3rd mortgages. Many individuals and families in Massachusetts owe more on their mortgages than their homes are worth. These added liabilities can be removed as unsecured debt. Unsecured debt is given a low priority in a Chapter 13 proceeding, and is paid as part of your payment plan with the court.
Keep your car! Filing for Chapter 13 will afford you the opportunity to retain your vehicle and stop the finance company from taking your car away from you. Often the court will recalculate a reduced balance that will be owed to reflect the current value of your vehicle.
Chapter 13 will immediately stop foreclosure on your home. This will give your the ability to make payments towards your mortgage arrears, without the fear of foreclosure.
Read More About Personal Bankruptcy on Our Blog!
There is a lot to know before you make a decision about any type of bankruptcy filing. The two most common bankruptcy filings are Chapter 7 and Chapter 13, with Chapter 7 being the option chosen the most.1 The most basic difference between the two types of filings is...
American households face a tsunami of debt. Prior to the pandemic, credit card balances were already at record levels, as were auto loans. Just 12 years after the housing crisis, mortgage debt has eclipsed pre-recession levels. Then the pandemic arrived. Though the...
When you are thinking about filing for bankruptcy a common concern is what your financial life will be like after your bankruptcy is approved by the courts. Having accurate information on the effects of a bankruptcy is a vital piece of the whole picture when you are...
We are a debt relief agency. We help people file for bankruptcy relief under the bankruptcy code.
*0 Down and $995 Offer Details
*$0 Down and/or payment plan is based on your ability to pay. Prior to filing your bankruptcy case, all fees must be paid in advance. $995 represents our attorney fee for the filing of your Chapter 7 case. In situations where additional legal services are required, this fee may increase. You are also responsible for paying the court filing fees of approximately $350, plus the credit report fee, along with two financial management courses that are required by the State of Massachusetts.
Framingham, MA 01702
Hines Law Office
Worcester Professional Center
120 Stafford Street
Worcester, MA 01603
Framingham Law Offices
Watertown Law Offices
Westborough Law Offices
Worcester Law Offices
Leominster Law Offices
Hines Law Offices offers personal bankruptcy protection including Chapter 7 Bankruptcy and Chapter 13 Bankruptcy. We help individuals, families, and clients eliminate debt through the bankruptcy laws afforded in the state of Massachusetts. Individuals who are facing foreclosure, wage garnishment, home repossession, auto repossession, creditor harassment, medical bill debt, credit card debt, utility shutoff notices, mortgage debt, and more can benefit from our legal services. Call Today!
Service Areas Include: Westborough MA, Natick MA, Hopkinton MA, Southborough MA, Marlborough MA, Worcester MA, Waltham MA, Boston MA, Sudbury MA, Wellesley MA, Framingham MA, Norwood MA, Leominster MA, Franklin MA, Shrewsbury MA, Milford MA, Watertown MA, Wayland MA, Brookline MA, Hudson MA, Northborough MA, Worcester MA, Concord MA, Maynard MA, Lincoln MA, Needham MA, Lexington MA, Arlington MA, Acton MA, Stow MA, Weston MA, Cambridge MA, Littleton MA, Lowell MA, Bedford MA, Canton MA, Dedham MA, Everett MA, Malden MA, Newton MA, Somerville MA, Westwood MA, Northbridge MA, Serborn MA, Upton MA, Middlesex County MA, Ashland MA, Norfolk MA, Mendon MA