Bankruptcy or Credit Counseling: Which Makes Sense?
Bankruptcy and credit counseling are two of the most effective means of taming or eliminating debt that has resulted in insolvency. Insolvency occurs when income has fallen or debt has risen to the point that paying all essential bills and expenses has become...
Why Older Americans are Filing for Bankruptcy
Bankruptcy can and does affect anyone at any time. All it takes is debt that cannot be paid back based on your current assets and income. But there’s been a disturbing trend recently of Americans over 65 declaring bankruptcy at an increasing rate, compared to younger...
What is Chapter 13 Bankruptcy? | MA
Debt is difficult. Declaring bankruptcy is even more difficult. But the common misconception is that bankruptcy is inherently a bad thing. It’s, in fact, designed to help you. While there’s a lot of shame that can go into the decision, bankruptcy is designed to give...
Personal Bankruptcy and Financial Literacy
When it comes to your finances, how ‘literate’ do you feel? If you’re like most Americans today, probably not at all. Financial literacy is the catch-all term that describes educating oneself about finances and financial preparedness. Although financial literacy is...
Life After Personal Bankruptcy | MA
You’re not alone. If you’re like the millions of Americans who file bankruptcy every year, there is hope. Life after bankruptcy is different, difficult, but definitely possible. The bottom line is your life will heal. With a little perseverance and even more patience,...
What Financial Hardships do Millennials Face? | MA Bankruptcy
While it’s a highly politicized issue currently, there is a truth to the financial hardships faced by Millennials that is, in many ways, completely unlike anything faced by previous generations. Millennials inherited an unstable economic market, a world of entirely...
What Is Wage Garnishment? | MA Debt Solutions
You may be hearing the phrase wage garnishment for a couple of different reasons. It could be because you owe back taxes, student loans, child support, or owe general debt towards an entity. What is wage garnishment? It’s when a court withholds your pay in order to...
What Are Common Mistakes to Avoid When Filing for Bankruptcy?
Bankruptcy can be scary. It can also be complicated. Deciding to file for bankruptcy is a big step and will help you get back on your feet financially. But it can also come back to bite you if you make avoidable mistakes. Some of them may be tempting, but the point of...
The Foreclosure Process | MA Bankruptcy
Surviving foreclosure does not necessarily mean keeping the property. In many cases, especially when negative equity has become insurmountable, getting out from under the mortgage provides the best path to healthy finances. The key is planning and knowing all your...
What are Some Financial Resolutions for the New Year?
Everyone wants the same thing New year after New year; to be happy and live prosperous. For the most part saving money often makes people happy; and happy people find happiness in more than just money. So, truthfully these ideals go hand in hand. While we want these...
Common Bankruptcy Myths
The vast majority of Americans are under a certain degree of financial stress and pressure at any given time. For many people, our liabilities outweigh our assets by so much that filing for bankruptcy seems like the only solution to manage out of control debt....
What is the Role of the Bankruptcy Trustee?
Filing for bankruptcy requires more than just you and your bankruptcy attorney. There are several people involved such as the creditors, a judge and a trustee. It seems intimidating but with an experienced and knowledgeable bankruptcy attorney, it doesn’t have to be....
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!
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