A Bankruptcy Lawyer for Clients Throughout Southeastern Massachusetts
Filing for bankruptcy is an opportunity for individuals and business owners to clear or reorganize their debts. For homeowners, bankruptcy is a way to stop foreclosure and may allow them to keep their home. Divorces and medical bills are the two leading causes of personal bankruptcy in Massachusetts and there is no shame in asking for help.
If you cannot afford your debt payments, it is time to call Hearth Law, P.C. Our lawyer has bankruptcy law experience and is an advocate for clients who are unable to pay their debts. He will efficiently guide you through the bankruptcy process and stop creditor harassment. We charge flat rates for bankruptcy cases, which include court costs and filing fees. People leave our New Bedford office with a feeling they have possibly not felt in years — hope.
Bankruptcy Guidance for Individuals and Families
Our law firm helps individuals and families file for both Chapter 7 and Chapter 13 bankruptcy. If you are having trouble paying the full amount of your debt payments, then you will most likely qualify for bankruptcy. Talking to our lawyer in a free consultation is the best option for determining which bankruptcy filing is the right choice.
Chapter 7 bankruptcy filings allow you to clear away unsecured debts, such as credit card debt, by showing that you cannot afford payments. This type of filing gives people a chance to wipe away many types of debts and get a fresh start. Chapter 7 filings do require debtees to sell their property except for assets with exemptions such as a home or vehicle. Our lawyer can help you navigate the exemptions to protect as much of your property as possible.
In a Chapter 13 bankruptcy filing, the courts will review your living expenses and income to show precisely how much you can afford to pay debtors. The courts will then put the debtor on a monthly payment depending on their expenses and income. To file for a Chapter 13 bankruptcy a person’s income and total amount of debt must meet certain limits.
Business Bankruptcy Advocacy
Bankruptcy may be the right option for businesses overburdened with debt. We can guide businesses through restructuring their finances and debts with a Chapter 11 bankruptcy filing. If you are a farm owner or commercial fishing operation, our attorney can review your unique situation and determine if a Chapter 12 bankruptcy filing is possible.
Talk to A Skilled Attorney for Free
Our law firm serves clients throughout Bristol County Massachusetts, including New Bedford, Fall River, Fairhaven, and Dartmouth. To schedule your free consultation with a bankruptcy lawyer, call (508) 542-3510 or Contact Us online.
Hearth Law, P.C. is a “Debt Relief Agency” under §528 of the new Bankruptcy Code.
Initial 45-minute consultation by phone or office visit to gather relevant information. Additional time may be purchased with advanced notice.
Chapter 13 Bankruptcy allows you to pay off all or a portion of your debts over 3-5 years with payment allocations being handled by the courts. We will help you initiate this plan and assist you with any changes that may be needed during the course of the payment process.
Starting at $2,000.00 (Initial payment of $1,200.00)
Chapter 7 is the Bankruptcy plan traditionally thought of. The Chapter 7 Bankruptcy will allow you to retain many of your personal assets (House, Car, and personal property) while discharging most of your debts. Our attorney will help determine if you meet the qualifications for Chapter 7 Bankruptcy and will handle your case through the process.
Starting at $1500 *
The Hourly Rate would be utilized for matters outside of those in the menu above or for court appearances. You will be informed if the rate is going to apply and given an estimate of hours expected in advance.