Springfield, Massachusetts, Bankruptcy Attorney
You may be overwhelmed by credit card debt or rising mortgage interest rates. You may have been laid off, or facing unexpected medical bills. If you are unable to pay your bills, why do the collection agencies keep harassing you? Is bankruptcy the answer? We invite you to contact our Springfield office for a free consultation with attorney Dennis Desmarais.
Consumer debt relief through Chapter 7 and 13 bankruptcy
As soon as your lawyer files Chapter 13 or Chapter 7 bankruptcy, the relief from creditor harassment is immediate. Your creditors will no longer be allowed to call you and try to collect payment. Repossession and foreclosure come to a halt. You wages will not be garnished.
Chapter 7 bankruptcy
Chapter 7 bankruptcy is commonly called the "fresh start" bankruptcy, since unsecured loans such as credit card debt and some medical bills are discharged (wiped out) during the process. Debts that cannot be discharged include child support payments and most taxes. An attorney will explain benefits and disadvantages a Chapter 7 filing would have for you.
Chapter 13 bankruptcy
If you have a reasonable income, but are unable to pay your bills, Chapter 13 bankruptcy, or debt reorganization, can offer you the opportunity to keep your house and reschedule payment of your debts over several years. Your lawyer may be able to negotiate reductions of some debts. The court supervises the process and approves your pay-off plan.
Free initial consultations
Hiring a bankruptcy lawyer is a serious decision that might have a long-lasting effect on your economic welfare. If you would like to speak with Mr. Desmarais and discuss our services, we invite you to contact our Springfield office Link to Contact Us and arrange a free initial consultation.
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