338 Elm Street, Gardner, MA 01440
LaRoche Law

Providing Debt Relief Through Chapter 13 Bankruptcy in Orange, Fitchburg and Gardner for More Than 20 Years

Satisfying clients throughout Worcester County

Chapter 13 bankruptcy was created to help individuals with debt to get back on track by reorganizing their financial obligations. At LaRoche Law, our Massachusetts Chapter 13 bankruptcy attorneys offer more than 20 years of experience helping individuals completely eliminate debt. If you currently have a stable income but also have sizable debts to pay, Chapter 13 bankruptcy may be the optimal solution for you. Under the supervision of a bankruptcy court and with the fierce advocacy of our experienced, skilled Chapter 13 bankruptcy attorney, you can adopt a financial strategy to extinguish your debt.

Chapter 13 bankruptcy immediately stops foreclosure proceedings

If like countless other Americans, you are behind on your mortgage payments and face foreclosure, Chapter 13 may be for you. Filing bankruptcy under Chapter 13 immediately stops all foreclosure proceedings and allows you to repay your mortgage arrears in three to five years.

The benefits of a Chapter 13 bankruptcy filing

Filing bankruptcy can save you and your family time, money and aggravation. Our dedicated Orange bankruptcy legal team will analyze your finances and explain the differences between bankruptcy filings. Under a Chapter 13 bankruptcy plan, a debtor develops a plan to repay debts over a period of three to five years. In contrast, under Chapter 7 some debts are immediately discharged. One benefit of filing under Chapter 13 is that the debtor may hold onto all personal property during the bankruptcy procedure. In Chapter 13, you satisfy debts by restructuring payment schedules. Ways of reorganizing your debt under Chapter 13 include:

  • Loan modification
  • Credit counseling
  • Prevention of collection activities
  • Debt prioritization
  • Budgeting assistance

If you think a Chapter 13 bankruptcy filing may suit your needs and want to learn how to file for bankruptcy in Massachusetts, contact a qualified attorney at LaRoche Law today. Our firm is eager to explain your rights and help you get a fresh financial start.

Benefits of Chapter 13 bankruptcy

By filing a Chapter 13 bankruptcy in Massachusetts you can:

  • Stop foreclosure immediately
  • Pay your back taxes
  • Reinstate your license (if revoked for non-payment)
  • Pay mortgage arrears
  • Pay child support arrears

LaRoche Law is here for you

At LaRoche Law, our attorneys take care of you throughout the bankruptcy process. We promptly return phone calls and emails and Attorney LaRoche personally meets with every client. Whether you are contemplating bankruptcy, need a loan modification or would like credit counseling advice, we are here for you. Contact us online or call our offices today at 978-754-3564 to set up a free first appointment.

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