338 Elm Street, Gardner, MA 01440
LaRoche Law
CALL FOR A FREE CONSULTATION 978-632-1633

How to File for Bankruptcy in Orange, Fitchburg and Gardner, MA

More than 20 years helping people file for bankruptcy

The process of filing bankruptcy is complex and time-consuming. At LaRoche Law, your dedicated bankruptcy attorneys guide you through the process from beginning to end. We work with you to collect all relevant financial records and develop a strategy to present to a bankruptcy court judge asserting your rights and requesting reasonable accommodations. We are your voice in loan modification negotiations and work with top credit counseling agencies. We help speed the legal process, providing you with the debt relief you need as quickly as possible.

Steps for filing bankruptcy

Bankruptcy offers Americans an alternative to sinking deeper and deeper in debt. If you have  financial difficulties, filing bankruptcy may be your best option. Learn how to file for Massachusetts bankruptcy from the largest filer in Worcester County. Each client's situation is different, and we give you the personal attention you need throughout the process.

  • Make sure bankruptcy is right for you. The Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA) requires individuals to take a credit counseling course. To ease your burden, we offer this course in our office and are happy to assist you in any way we can.
  • Consider Chapter 7 and Chapter 13. The two most common types of bankruptcy are Chapter 7 and Chapter 13. Chapter 7 quickly wipes out debt. Chapter 13 is a reorganization plan to alter financial commitments and pay off debts within a five-year time-span.
  • Get an automatic stay. From the moment your creditors are notified of your filing, an automatic stay goes into effect. The stay forbids them to contact you about your debts. If they violate the automatic stay, they are held responsible for their illegal actions.
  • Participate in a 341 meeting. A 341 meeting is a short meeting where you acknowledge your intention to file bankruptcy. The bankruptcy trustee discusses your matrix and confirms your debts and assets.
  • Wipe out debt under Chapter 7. In a Chapter 7 bankruptcy case typically takes four months and most debts are eliminated.
  • Reorganize under Chapter 13. In a Chapter 13 bankruptcy case, a debtor creates a plan to pay off debts over three to five years.
  • Discharge your debt. Finally, your debts are officially discharged, and you are granted a fresh start.

It is prudent to obtain effective legal counsel from the onset of your financial concerns. Your attorney will explain the details of exempt property in Massachusetts so you know what your creditors may not touch.

Set up a free meeting today

Our competent Massachusetts bankruptcy lawyers at LaRoche Law are here to guide you through the process one step at a time. Attorney LaRoche personally meets with every client and keeps you updated and informed from beginning to end. We promptly return phone calls and emails and offer appointments around your schedule, including on evenings and weekends. If you have a bankruptcy law question, contact us online or call 978-632-1633 today.

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