Will You Lose Your Retirement Savings in a Bankruptcy?
It has never been easy to save for retirement with so many demands on our paychecks throughout the years. Getting married, buying a home, raising children, and sending those children to college are just a few of the things that have a major impact on the money we have...
Bankruptcy Basics
A lot of people considering bankruptcy believe it’s a financial option that is always available to them and all it takes is some quick paperwork to make it happen. In reality, bankruptcy is a very strict process which only a few who meet certain financial and life...
What Are Some Warning Signs You’re Headed for Bankruptcy?
In May of 2021, the United States Courts published an article stating that bankruptcies filed in March 2021 totaled 473,349 compared to 764,282 from the previous year. However, some believe this could be because the courts shut down in-person proceedings. Another...
What Are 4 Debts That Are Non-Dischargeable When Filing for Bankruptcy?
When you file for bankruptcy, you expect all of your debts to be discharged. However, this is not always the case. Non-dischargeable debts are debts you can’t eliminate in bankruptcy because the U.S. Bankruptcy Code doesn’t allow it. If you have non-dischargeable...
How Does Your Bankruptcy Affect Your Loan Co-Signer?
When a person co-signs for a loan they agree to pay the debt if the borrower isn't able to make the payments. The reason why a co-signer is required is because the lending institution doesn't have full faith, based on their analysis of the borrower's finances, that...
4 Reasons When Personal Bankruptcy is the Answer
Filing for personal bankruptcy is never anyone’s first choice when it comes to rectifying a person’s finances but there are times when it becomes necessary. There are times when the negative aspects of filing for personal bankruptcy are outweighed by the benefits...
Student Loans and Bankruptcy Protection
In March 2020, federal student loan payments were suspended through September 2020 and then the Biden administration extended that date through January 31, 2022. This moratorium affected nearly 42 million people and the Federal Reserve estimated that in the second...
Are You Responsible for Your Deceased Spouse’s Debts? | MA Bankruptcy
The death of a loved one is always traumatic. The trauma can be compounded when you are faced with a reduction in the income needed to pay your bills and those incurred by your late spouse. Knowing which bills you are obligated to pay, and which debts should be...
Tips to Reduce Debt and Why Bankruptcy May be an Option
Many Americans are in debt. In the second quarter of 2021, consumer debt in America reached a new high, totaling $14.96 trillion dollars.1 The average debt balance for individual consumers in America reached almost $93,000 in 2020.2 This debt balance included...
Personal Bankruptcy in 2021
While filings for Chapter 7 and Chapter 13 bankruptcy are ultimately down in 2021, the situations that often lead to bankruptcy are on the rise. Bankruptcy doesn’t happen in a vacuum, nor does it happen overnight and plenty of those underlying bankruptcy causes were...
The Eviction Process and Debt Relief Options
In September 2020 the Centers for Disease Control and Prevention (CDC) issued an Eviction Moratorium which was overturned by a U.S. Supreme Court ruling on August 26, 2021. While in effect the moratorium, issued because of the pandemic, banned landlords from evicting...
3 Reasons People Need to File for Personal Bankruptcy
Chances are, you’ve never said the word “bankruptcy” to anyone outside your immediate household. In fact, there’s a good chance you’ve avoided that word within the walls of your own home. While shame surrounding financial mistakes or mishaps is understandable, forging...
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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