Chapter 13 Bankruptcy Lawyer in Massachusetts, Helping Clients Wipe Out Bad Debt!
STOP Lawsuits & KEEP Your Wages
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Chapter 13 Bankruptcy Lawyers
Proudly Serving Framingham, MA and Beyond
STOP Lawsuits & KEEP Your Wages
STOP Repossessions & KEEP Your Car
STOP Foreclosure & KEEP Your Home
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781-277-0411
Let Our Massachusetts Bankruptcy Lawyers Protect You Today!
Chapter 13 is a powerful mechanism for the reorganization of debts to help property owners keep their cars, homes, and other valuable assets – while getting a handle on debts. Among other important benefits, by filing for Chapter 13 bankruptcy, you may be able to stop wage garnishment, foreclosures, repossession, and reduce or eliminate credit card debt, all under the protection of the bankruptcy court. Most importantly of all, bankruptcy gives you the opportunity for a fresh start! Let our years of experience, help you decide if bankruptcy is right for you. We handle Chapter 13 cases near and surrounding Framingham MA, as well as cities nearby and throughout Middlesex County and Worcester County.
Is Debt Making it Difficult to Pay Your Bills?
Bankruptcies in Massachusetts are generally described as either liquidation or reorganization, here we will discuss the option for reorganization/repayment. A Chapter 13 Bankruptcy is designed to help married couples or individuals consolidate, reduce or eliminate, repay, and prioritize old debts – while receiving protection against creditors. This method affords the opportunity to create a single repayment plan that is managed by the court, vs. dealing with multiple bills and creditors. The reorganization or repayment of debt allows the debtor, to enter into an interest-free debt repayment plan to pay back all or some of the debts over a period of time – typically three – five years. During this time, creditors are not permitted to collect or contact you, and must abide by the plan approved by the court.
Chapter 13 is a powerful mechanism for the reorganization of debts to help property owners keep their cars, homes, and other valuable assets – while getting a handle on debts. Among other important benefits, by filing for Chapter 13 bankruptcy, you may be able to stop wage garnishment, foreclosures, repossession, and reduce or eliminate credit card debt, all under the protection of the bankruptcy court. Most importantly of all, bankruptcy gives you the opportunity for a fresh start! Let our years of experience, help you decide if bankruptcy is right for you.
SPEAK WITH AN EXPERIENCED BANKRUPTCY ATTORNEY REGARDING CHAPTER 13 TODAY!
Let us help you start your new financial life
781-277-0411
Let Our Knowledgeable Bankruptcy Attorneys Help You For Chapter 13 in Massachusetts
An important point to note, is that the individual must have regular/recurring income, as they will be required to pay both monthly living expenses and repayments to the court for the consolidated debts.
One of the most advantageous reasons for filing a Chapter 13 Personal Bankruptcy Petition, is to enable homeowners avoid foreclosure which ultimately leads to the loss of their home. Further, the court will prevent foreclosure if a homeowners can continue making their regular mortgage payments, insurance and property taxes. And in most cases, the homeowner is required to make arrangements to make up the arrears on their mortgage over a period of time.
Have You Already Received a Foreclosure Notice?
It’s not too late to get right back on track! Another important benefit of Chapter 13 Bankruptcy in Massachusetts, is the prevention of creditors from collection activities. Creditor harassment, wage garnishment, auto repossessions, and law suits, can be stopped. We work with our clients to develop a beneficial plan based on their unique situation. Depending on the type of debt you owe, your assets and income, the plan filed with the court may consider that other debts/or a percentage, be repaid at no interest over the life of the plan. In some cases, no repayment is required at all.
We understand that drowning in debt can seem overwhelming, however, you have options. When you eliminate your debt obligations through Ch 13, you immediately simplify your life. Let us help you eliminate living paycheck to paycheck, let’s stop creditors from their harassing phone calls, remove the fear that your mailbox will include a foreclosure notice. Our commitment is to our clients by providing a debt-free future. Our legal team in Massachusetts is available to make your financial independence a reality. Don’t wait until it is too late. The quicker you file for Ch 13 bankruptcy, the sooner you will feel the relieved – knowing that your finances are in order and your possessions are protected. We encourage you to contact us today, and receive a personal debt evaluation!
Below are some pointers to keep in mind:
Typically, individuals are allowed 3-5 years to pay off their debts. Once the payment plan is completed, the person will receive a discharge from the court.
Yes, you can file for debt relief under Chapter-13 if you are behind on your car loan or mortgage payments, if you would like to make-up the payments you missed. This will also allow individuals in MA to reinstate the original agreement with the financial institution/creditor
Persons seeking for reorganization under the protection of the courts, are allowed to consolidate their debt while making monthly payments that are beneficial to the applicant. These payments are made to the trustee assigned to your case. As mentioned prior, a payment schedule is presented that allows for the repayment of the debt over a 3-5 year time frame. In most cases, the amount of the monthly payment and the term is based on the following factors: monthly income, monthly expenses, and amount and nature of the debt
Chapter 13 in Massachusetts, is known as reorganization bankruptcy
If you are an individual who earns too much to qualify for Chapter 7, or if you are ineligible for Chapter 7 because of a previous filing, then Chapter-13 is a good option. Also keep in mind that secured debts are typically paid in full, however, unsecured debts are usually settled for much less.
The most common benefits involve the following: Repayment of mortgage arrears, ability to restructure car loans (ultimately save your vehicle).
Immediately halt actions by creditors, including foreclosure. Massachusetts law provides for a legal action knows as the “automatic stay.” Individuals are allowed to work out a payment plan that fits their financial situation. You can find out more information on the United States Bankruptcy Court website here
Do you have questions? We can Help you!
Is your medical debt at levels where you can never pay it?
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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
781-277-0411
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