Bankruptcy Help for Massachusetts Residents

If you’re struggling to keep up with debt, falling behind on payments, or facing calls from creditors, bankruptcy might be the right step forward. We help individuals & families across Massachusetts file Chapter 7 & Chapter 13 bankruptcy—before things get worse—and take control of their future.

What Bankruptcy Can Do for You

Relief That’s Built Into the Law


Bankruptcy exists to help honest people who’ve hit a financial wall. When filed in time, it can:


  • Stop wage garnishment

  • Stop foreclosure & repossession

  • Wipe out credit card & medical debt

  • Pause or eliminate lawsuits

  • Give you breathing room & a path forward

But timing matters. Waiting too long can mean losing your home, paycheck, or options. If you’re on the edge, now’s the time to talk

Chapter 13 vs. Chapter 7

Which Type of Bankruptcy Is Right for You?


 We’ll walk you through your options in the first consultation. Here’s a basic outline:

Chapter 13 Bankruptcy

For people with regular income who want to keep their home or car, stop foreclosure, or pay down back taxes over time.


Learn more →

Chapter 7 Bankruptcy 

For people who need fast relief from credit cards, personal loans & medical debt. A clean slate in just a few months.


Learn more →

If you're not sure which one fits, that’s what we’re here for

What to Expect When You File

The Process Is Simpler Than You Think


We make it easy to move forward—especially if you're feeling stuck or stressed.


Here’s what it looks like:

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Free consultation

We go over your income, debts, assets & concerns.

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Recap by email

You get a clear summary of next steps.

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DocuSign & payment

Sign online & pay in a way that works for you.

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Prep & file

We prepare your petition, handle the documents, & file the case.

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Court

Usually just one short hearing, which we attend with you.

We’ve filed cases in just a few days for clients who needed immediate relief. If you’re facing foreclosure, wage garnishment, or court action, don’t wait until it’s too late.

What Bankruptcy Can’t Do

It’s Powerful—But Not a Magic Wand


Bankruptcy doesn’t fix everything, but it can still make a major impact. It usually won’t erase:


  • Student loans (in most cases)

  • Recent tax debts

  • Child support or alimony

  • Criminal fines or restitution

That said, it can eliminate a huge amount of unsecured debt—and protect what matters most.

Common Questions

FAQs About Bankruptcy in Massachusetts

  • Can I keep my house or car if I file?

    Often, yes. Especially if we file before a foreclosure or repossession happens. Massachusetts law protects certain property through exemptions.

  • Will filing ruin my credit?

    It will affect your score, but many people bounce back quickly. We’ll give you clear steps to rebuild after your case.

  • Will everyone know I filed?

    Unless you tell them, probably not. Bankruptcy filings are public, but they’re not advertised.

  • How much does it cost?

    We offer fair, flat fees and flexible payment plans. No surprise charges—just straight answers.


Who We Help

Serving Clients Across Southeastern Massachusetts

We represent individuals & families in:

  • New Bedford

  • Fall River

  • Brockton

  • Mashpee

  • Hyannis, Wareham, Taunton, & nearby towns

Appointments available by phone, video, or in person—whatever works best for you.

Don’t Wait Until It’s Too Late

If You’re Behind, Now Is the Time to File
You may still have options—but they shrink fast once a foreclosure starts, wages are garnished, or a judgment hits your account.


Let’s talk now, while there’s still time to protect what matters.



Call: 774-205-1984
Or use our Contact Form →