Chapter 7 Bankruptcy Attorney in Massachusetts
If you’re buried in debt with no way to catch up, Chapter 7 bankruptcy may give you the clean break you need. We help people across New Bedford, Brockton, Fall River, and Cape Cod file Chapter 7—quickly, clearly, and with no judgment.
What Is Chapter 7 Bankruptcy?
A Fast, Legal Way to Eliminate Unsecured Debt
Chapter 7 is often called “liquidation bankruptcy,” but most clients keep everything they own. It’s designed for people who can’t afford to repay their debts, and it works by wiping out unsecured debts like:
- Credit cards
- Medical bills
- Personal loans
- Old utility bills
- Payday loans
- Some older tax debts
Once your case is filed, you’re legally protected from collections, lawsuits, and garnishments. Most cases are discharged in about 4–6 months.
Do I Qualify for Chapter 7?
You may qualify if:
- You have mostly unsecured debt
- Your income is below the state median (or you pass the means test)
- You haven’t filed Chapter 7 in the past 8 years
- You don’t have enough income to reasonably support a repayment plan
We’ll walk through this with you during a free consultation. Even if you make decent money, you may still qualify depending on your expenses.
What Happens to My Stuff?
You Probably Keep It
Massachusetts bankruptcy law allows exemptions to protect your property—including your home, car, clothes, tools, and more. Most of our Chapter 7 clients keep everything.
If you have property that isn’t protected (like a second home or valuable assets), we’ll discuss your options—including Chapter 13 if needed.
The Chapter 7 Process
Free consult
We review your situation & explain your options
Credit counseling
Required online session before filing
Filing your case
Once filed, collections stop immediately
Trustee meeting
One brief hearing, typically done virtually
Discharge
Most debts are wiped out within a few months
We handle the paperwork, deadlines, and court filings so you can focus on moving forward.
Common Myths About Chapter 7
“It’ll ruin my credit forever.”
Your score may drop initially, but most clients rebuild quickly. Many even qualify for a car loan or credit card within a year.
“I’ll lose everything I own.”
Not true. Most people keep their home, vehicle, and personal belongings under Massachusetts exemptions.
“Everyone will know I filed.”
Unless you tell them, probably not. Bankruptcy filings are public, but they’re not published.
Who We Help
We represent clients across:
- New Bedford, Fall River & Dartmouth
- Brockton, Taunton & Wareham
- Mashpee, Hyannis & the Cape
- Norfolk & Suffolk Counties, including Boston
Whether you’re facing garnishment, lawsuits, or just can’t keep up, we’re ready to help.
Common Questions
FAQs About Chapter 7 Bankruptcy
How long does Chapter 7 take in Massachusetts?
Most cases are discharged within 4–6 months of filing.
Can I keep my house and car?
Yes, if you’re current on payments and protected by state exemptions.
Can I include tax debt?
Some older income tax debt may be dischargeable. We’ll review your tax records to find out.
What’s the means test?
It compares your income to state median levels. If you're under the limit or your expenses are high enough, you may qualify.
What happens after my case is discharged?
You’re no longer legally responsible for the debts. We’ll help you start rebuilding credit right away.
Ready to File or Just Exploring?
We’ll Walk You Through It
Chapter 7 works—but only if you file before things get worse. If your wages are at risk or you’ve been sued, let’s talk now.
Call:
774-205-1984
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