Experienced Counsel in Chapter 7 Bankruptcy Filings in Massachusetts
Financial problems can affect anyone. You may have lost your job, experienced a divorce or had an unexpected illness or injury. The federal bankruptcy laws are designed to stop the threatening calls and letters from creditors and allow you to obtain a fresh start. You want an experienced Salem Chapter 7 bankruptcy attorney to guide you through the process, one who understands the law including the changes brought about by the 2005 bankruptcy reforms.
At the law office of Cohen & Associates, P.C., we work closely with individuals who are considering filing for protection under federal bankruptcy laws. We have a comprehensive understanding of the options available for filing personal bankruptcy. To arrange a free initial consultation, contact our Salem law firm or call us at 978-338-4236 or toll-free at 866-606-0238.
Our Chapter 7 Bankruptcy Practice
In a Chapter 7 bankruptcy, you are allowed to discharge certain debts, and in most cases, keep your assets. Under the new bankruptcy laws, you must qualify to obtain protection under Chapter 7 by submitting to a means test. The means test requires that you demonstrate to the bankruptcy court that you do not have the means to repay your debts over a three-to-five-year period, as required in a Chapter 13 bankruptcy proceeding.
When you hire us to help you with a bankruptcy filing, we will provide you with a checklist of the information we need to move forward. Based on your situation, we will help you determine whether you can file under Chapter 7. If you qualify, we will make certain you understand those debts that may not be discharged, including student loan payments, child support arrearages and certain tax obligations. We will also help you identify those assets that may be exempt from sale in bankruptcy, including your principal residence, motor vehicle and retirement assets. We will then help you prepare and file your bankruptcy petition.
We will act as your advocate with creditors, the bankruptcy trustee and the bankruptcy court. In most situations, we can complete a Chapter 7 proceeding for you in less than six months.
Free Initial Consultation With a Massachusetts Debt Liquidation Attorney
To schedule your free initial consultation, contact our bankruptcy lawyers online or call us at 978-338-4236 or toll-free at 866-606-0238. We maintain flexible office hours to accommodate the needs of our clients, offering evening and weekend appointments upon request.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
