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Best Bankruptcy Attorneys in Lawrence

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Donahue, Tucker & Ciandella, PLLC logo
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Donahue, Tucker & Ciandella, PLLC

16 Acadia Lane, Exeter, NH 03833
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  • Chapter 13 Bankruptcy
  • Debt Settlement

Business Description

Donahue, Tucker & Ciandella, PLLC, is a general practice law firm serving Lawrence. This firm offers legal representation in areas such as bankruptcy, real estate, estate planning, and employment. Its bankruptcy lawyers seek to defend creditors' rights in pre-bankruptcy workouts and bankruptcy proceedings. They also advocate for creditors' interests using legal remedies such as automatic stay relief. In addition, they are well-versed in chapter 11 and chapter 13 bankruptcies, dealing with objection litigations, plan analyses, valuations, and negotiations.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.9
Google
3.9 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
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Finneran & Nicholson, P.C. logo
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Finneran & Nicholson, P.C.

30 Green Street, Newburyport, MA 01950
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Debt Settlement

Business Description

Finneran & Nicholson, P.C., is a law firm that has been catering to both individual and business clients since 1984. The firm offers a variety of legal services including bankruptcy. Its team of bankruptcy lawyers near Lawrence analyzes clients' finances and situations to derive suitable strategies. They also look for various solutions and assist them in filing for chapters 7, 11, or 13 bankruptcy. Moreover, they help them prevent foreclosures, repossession, and creditor harassment. Finneran & Nicholson works with both domestic and international clients.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
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Detail
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Law Office of Robert H. Prince, J.D. logo
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Law Office of Robert H. Prince, J.D.

289 Main Street, Salem, NH 03079
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

The Law Office of Robert H. Prince, J.D. has been offering legal assistance in Lawrence since 1991. Its practice areas include personal injury, estate planning, criminal defense, and bankruptcy. Robert H. Prince, the firm's bankruptcy attorney, helps clients navigate the bankruptcy process, verifying their eligibility and guiding them on required documentation. He also files bankruptcy petitions, considering clients' debt situations and following chapter 13 or chapter 7 guidelines. Prince has also worked as a prosecutor and a police officer.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Rosenberg & Weinberg logo
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Rosenberg & Weinberg

805 Turnpike Street, North Andover, MA 01845
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Rosenberg & Weinberg is a bankruptcy law firm in Lawrence with attorneys who have over 70 years of combined legal experience. These attorneys help consumers and businesses through chapter 7, chapter 11, and chapter 13 bankruptcies and offer alternatives in cases where bankruptcy is not the best option. For business clients, the firm also helps them liquidate their assets or reorganize as needed. It also recommends non-bankruptcy options like trust mortgages or assignments for the benefit of creditors.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Avvo
5.0 / 5 (37)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Sandau Legal, P.C. logo
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Sandau Legal, P.C.

360 Merrimack Street, Lawrence, MA 01843
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Debt Settlement
  • Student Loan Debt

Business Description

Sandau Legal, P.C., offers debt relief assistance in Lawrence. Established in 2018, this firm handles cases concerning evictions, foreclosures, student loans, and vehicle repossessions. Dara Sandau is a bankruptcy attorney providing consultations to assess whether bankruptcy is the best possible option. Apart from filing bankruptcy petitions, she assists clients in debt negotiation and restructuring processes and advocates for consumer rights. Moreover, she seeks to stop creditor collection. Sandau also founded a consulting business prior to starting this law company.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Avvo
5.0 / 5 (19)
Google
4.9 / 5 (7)
Facebook
5.0 / 5 (4)

(+1 additional source)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Zanni & Pesce Law Office logo
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Zanni & Pesce Law Office

235 Merrimack Street, Methuen, MA 01844
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Debt Settlement

Business Description

Zanni & Pesce Law Office is a bankruptcy law firm that services clients from Lawrence. The firm guides clients in the whole process of filing for bankruptcy to relieve their financial difficulties. Its team of bankruptcy lawyers is led by Vincenzo S. Pesce, who has been in the industry since 2006. He built the firm together with his partner Jana A. Zanni, who is deeply interested in handling cases around civil litigation such as personal injury law.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Friendliness
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Frequently Asked Questions

What does a bankruptcy attorney do?

Bankruptcy attorneys help clients understand whether they qualify for bankruptcy and what their best options are. They also prepare and file petitions, answer questions during the proceedings, and educate clients about potential best steps for a positive bankruptcy outcome. Bankruptcy attorneys might also file motions or paperwork if creditors dispute the bankruptcy, or to stop creditors from taking collections actions forbidden by the bankruptcy.

What happens when you file bankruptcy?

Bankruptcy is a formal process that individuals, married couples, or businesses can enact when they are no longer able to pay creditors. In a bankruptcy proceeding, filers are allowed to reduce debt to more manageable levels to best pay off money owed.

Once the bankruptcy process is initiated, debt collectors can no longer seek repayments outside of the arrangements detailed in the bankruptcy settlement. Some forms of bankruptcy result in the liquidation of assets to pay back debts, while others allow filers to retain most of their possessions and investments. Many types of unsecured debt can be managed with bankruptcy filings, but not all.

Can you file bankruptcy on student loans?

Under most circumstances, student loans aren't dischargeable and aren't included in bankruptcy proceedings. In rare cases, it may be possible to eliminate student loans through bankruptcy, but only if the courts determine that continuing to pay the loans would impose an undue hardship. Meeting the criteria for undue hardship is challenging, and most bankruptcy filers don't qualify.

What is bankruptcy fraud?

Bankruptcy fraud is a blanket term that refers to any kind of dishonest bankruptcy proceeding, which can include:

  • Hiding assets by transferring them to another person or entity
  • Intentionally omitting assets when reporting to the court
  • Destroying or withholding required documents
  • Knowingly making false statements to bankruptcy trustees or creditors

How long is bankruptcy on public record?

How long bankruptcy stays on public record depends on the kind of bankruptcy filing in question. Chapter 7 bankruptcy remains on the record for 10 years as there isn't necessarily a repayment component. Chapter 13 bankruptcy remains on the record for seven years as some obligations are repaid following filing based on the terms of a discharge settlement.

Does bankruptcy clear tax debt?

Bankruptcy can clear tax debt, depending on the circumstances. Taxes are dischargeable under Chapter 7 bankruptcy, not Chapter 13, and only if the tax debt is:

  • Federal income tax debt related to current properly filed tax returns
  • Honestly incurred with no fraud or evasion
  • At least three years old
  • Assessed at least 240 days before bankruptcy filings

Existing liens are not eliminated with bankruptcy.


Can they take my car in Chapter 7 bankruptcy?

In many cases, it's possible to keep a vehicle following Chapter 7 bankruptcy. The Chapter 7 Motor Vehicle Exemption allows filers who own their vehicles outright or who are up to date with payments to keep their cars. However, those behind on making car payments are required to arrange a repayment plan. Otherwise, the vehicle may be repossessed as a part of the proceedings.

How bad is it to file bankruptcy twice?

Although possible, due to the damaging nature of bankruptcy, filing bankruptcy more than once isn't recommended. Filing multiple times puts a serious burden on one's credit report, making it harder to get a loan, buy a house, buy a car, or even open credit cards.

Note that filing for bankruptcy isn't something that can be done at a filer's leisure. There are time limits following bankruptcy cases that dictate when it's permissible to file again. For example, after Chapter 7 bankruptcy, filers must wait at least eight years before filing Chapter 7 again or four years before filing Chapter 13.

Can anyone file bankruptcy?

Anyone can file bankruptcy, but there are limitations regarding which form of bankruptcy is permissible. Qualifying for Chapter 7 requires a means test that evaluates income, debt levels, and income left over each month after paying basic obligations. Income over the median set by the court and monthly income that allows meaningful payments toward unsecured debt can disqualify filers from Chapter 7, which is generally the preferred form of bankruptcy due to the possibility of a full discharge. Anyone can file Chapter 13 bankruptcy, but the terms are less favorable. In most cases, some debts must be repaid following a successful filing. Chapter 13 is also more likely to result in asset forfeiture.

How will bankruptcy affect my credit score?

Bankruptcies are noted on credit reports. How much a bankruptcy might drop a person's credit score depends on how high the score was to begin with, but generally speaking, the hit can be as much as 100 to 200 points. Often scores are already dropping because people filing for bankruptcy may have already missed payments on debts. Chapter 13 bankruptcies are listed on credit reports for seven years from the filing date, while Chapter 7 bankruptcies are listed for 10 years from the filing date. This is because Chapter 13 bankruptcies require at least partial payment of debts owed.

What are the benefits of filing for bankruptcy?

Filing a bankruptcy petition causes an automatic stay. This legally stops creditors from taking further action to collect debt, including garnishing wages or foreclosing on property. Going through a bankruptcy successfully means that debts included in the bankruptcy are discharged and don't have to be paid back, except as provided in a Chapter 13 repayment plan. Bankruptcy can help someone recover from financial duress so they can make better decisions and improve financial situations in the future. Disadvantages can include temporary lower credit scores and limitations on spending and financing.

What's the difference between debt settlement and bankruptcy?

Debt settlement occurs when people negotiate with individual creditors. The creditor agrees to take a payment that's lower than what someone owes and call the debt “paid in full.” Bankruptcy is a legal process that causes debts to be dismissed after someone proves they don't currently have the means to pay their debts as owed. Typically, someone can't enter into bankruptcy and also settle some debts, because the court would see that as favoring one creditor over another.

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