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Welcome to Our Personal Bankruptcy Blog

Ordinary Wage Garnishment and Federal Laws

Wage garnishment is a legal procedure where a portion of a debtor’s earnings are withheld by the employee to repay creditors. This is regarded as a severe consequence and is usually used only when an employee is seriously behind on their debts. Wage garnishment is the...

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The Basics of Chapter 7

Filing for bankruptcy is overwhelming. Although the laws vary from state to state the general process is the same. If you are thinking about filing, obtaining a bankruptcy attorney is always a good idea. The bankruptcy attorneys at Hines Law have been helping clients...

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The Process of Foreclosure

The bottom line with foreclosure, it means losing your home. It’s a legal process to recover the balance of a loan from the borrower who has stopped making payments. When people purchase a home, we refer to them as homeowners, but they really aren’t. They are...

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Financial Exposure and Bankruptcy

Debt issues can lead to a world of emotional stress and mental anguish. Being aware of your finances and taking control of your “financial exposure” can reduce your risk of insolvency. The bankruptcy attorneys at Hines Law serving the surrounding Boston area can help...

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Rcovering from Bankruptcy

It takes a lot of time and patience to bounce back from bankruptcy, but it can be done. Your path to recovery could take seven to ten years, but your credit can become great again. You just need to truly understand how this came about, set realistic goals, and take it...

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Tips to Rebuild Credit After Bankruptcy

Coupled with the gift of time, soul-searching, and new spending goals, you can obtain a new beginning after experiencing bankruptcy. It is possible for your credit score to become great again. It will take discipline and commitment, but you can do it! The first thing...

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How to Avoid Financial Exposure

Financial exposure occurs when a debtor allows himself to be at high risk of losing money. There are many reasons for this, and more often than not, leads to overwhelming debt and a loss of financial control.  How does this happen? Many factors can contribute to debt...

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Filing for Bankruptcy?

People file for bankruptcy for a number of different reasons. Job loss, illness,  and divorce are three most common. They hit hard and quick and if you don’t have a backup plan your finances can spin out of control fast. Although bankruptcy can help, depending on your...

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Advantages of Chapter 7 Over a Short Sale

Do you owe more on your home than it is worth? Do you really want to stay in your home but think you need to sell? Think again. People often contemplate a short sale when they are underwater on their home mortgage and are having a hard time making ends meet. It may...

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The Challenges of Young Adult Debt in Massachusettes

Hundreds of thousands of young adults owe more money on their credit cards than they have in their savings. People between the ages of 30 and 50  are the ones hit the hardest.  A savings account stocked with emergency funds can be quite challenging for a young adult....

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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