Waltham Bankruptcy Lawyer
Helping You Find Peace of Mind Through Debt Relief
Filing for bankruptcy is an important decision that has significant implications for your life. But when your debt becomes too much for you to handle, you should consult a professional to explore your options for debt relief. With our help, we can stop foreclosures and repossessions, stop harassing phone calls, stop aggressive collection agencies and aggressive collection lawyers who are trying attach your hard earned wages, or put a lien on your home. Leave the worrying to us, we will assist you through every step of the bankruptcy process. If Bankruptcy is your last resort, we shall provide confidential expert legal advice and give you the best opportunity for a new beginning.
Negotiators of Debt Relief Options
Bankruptcy is not your only option. We often work with creditors to develop out-of-court solutions that avoid bankruptcy. Frequently, we can negotiate a smaller debt amount payable in more manageable monthly installments.and often we can offer alternatives to filing bankruptcy, such as debt consolidation, debt settlement, and debt avoidance.
Experts in Debt Analysis
We have been assisting clients with overwhelming debt for 30 years. We shall analyze your case to determine if filing bankruptcy will advance your immediate and long-term financial goals. We review your debts, income and expenses, and explain the full effects of bankruptcy on your family, business, home ownership and access to credit. If bankruptcy is the right choice, we provide detailed information about filing for bankruptcy and a complete picture of the outcome you should expect. Our upfront approach to bankruptcy gives you confidence in your financial future.
Reprieve Through Automatic Stay
Filing a bankruptcy petition automatically triggers a stay, meaning creditors must immediately stop collections letters and phone calls. We correspond with your creditors from the moment you file for bankruptcy and act entirely on your behalf.
Your Bankruptcy Options:
- Chapter 7 Bankruptcy
For individuals and their spouses who own fewer assets and earn smaller incomes, Chapter 7 bankruptcy grants you relief from debts through liquidation of your assets. You have to qualify to file Chapter 7 bankruptcy by passing the Means Test, we can expertly use the federal law to your benefit.
- Chapter 13 Bankruptcy
An option for families facing foreclosure or whose incomes are higher, and who don’t pass the Means Test, Chapter 13 bankruptcy permits you to pay off debts under a court-ordered installment plan extending three to five years. This option provides numerous advantages, including the possibility of keeping your home.
Contact an Experienced Bankruptcy Attorney.
Call Attorney Marchese at (781) 894-6248 or contact us online to schedule your free bankruptcy consultation.