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Best Bankruptcy Attorneys in Lowell

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David R. Chenelle logo
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David R. Chenelle

6 Lyberty Way, Westford, MA 01886
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Credit Card Debt

Business Description

Serving clients near Lowell, David R. Chenelle is a bankruptcy attorney who dedicates himself to helping people in financial distress, helping them start over. Debtors buried under insurmountable debt can seek assistance from Chenelle for chapter 7, chapter 11, or chapter 13 bankruptcy filing and proceedings, which can stop foreclosure, repossession, creditor harassment, and wage garnishment. David R. Chenelle also guides clients who have recently filed for bankruptcy, preparing them for what comes next.

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
Avvo
5.0 / 5 (18)
Google
4.0 / 5 (4)

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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Express Bankruptcy Solutions logo
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Express Bankruptcy Solutions

1445 Main Street, Tewksbury, MA 01876
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Express Bankruptcy Solutions is a bankruptcy service firm that caters to the Lowell area. Established by lawyer Ellen Wright and staffed by a team of bankruptcy lawyers, the firm attends to legal matters involving filing for liquidation or personal reorganization bankruptcy, mortgage modification, and an annual financial plan review. The firm offers consultations to help potential clients know more about processes relevant to their needs under bankruptcy law, and assessments to counsel clients in determining the right solution for their current financial situation.

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
Google
5.0 / 5 (6)
Avvo
5.0 / 5 (3)
Yelp
5.0 / 5 (1)

(+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
Responsiveness
Friendliness
Helpfulness
Detail
Law Office of Louis S. Haskell logo
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Law Office of Louis S. Haskell

16 Pine Street, Lowell, MA 01851
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Located in Lowell, The Law Office of Louis S. Haskell is a law firm with bankruptcy attorneys who have been helping clients regain control over their finances since 1988. The firm exclusively works for debtors, representing consumers and small businesses and helping them stop foreclosure, harassment from creditors, wage garnishment, and interest pile-up. Bankruptcy attorneys at The Law Office of Louis S. Haskell have helped numerous clients with their chapter 7, 11, and 13 bankruptcy filing and proceedings.

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.
4.4
Google
4.4 / 5 (22)
Facebook
4.5 / 5 (17)
Avvo
4.0 / 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
Responsiveness
Friendliness
Helpfulness
Detail
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 JD is a general litigation law firm serving the residents of Lowell. One of the firm's primary areas of focus is bankruptcy law, and its team helps clients gather the required documentation, perform the means test, and file for either Chapter 7 or 13 bankruptcy. The team has additional experience in the legal fields of criminal defense, estate planning, and 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.
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
Law Offices Of Venessa Masterson & Associates logo
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Law Offices Of Venessa Masterson & Associates

385 Gorham Street, Lowell, MA 01852
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

The Law Offices of Venessa Masterson & Associates is a Lowell-based general service law firm that handles cases on real estate, bankruptcy, personal injury, and immigration. It helps clients with bankruptcy cases by thoroughly analyzing clients' debt situation and determining property exemptions. The Law Offices of Venessa Masterson & Associates helps debtors figure out their eligibility for chapter 7 bankruptcy, then helps them through every step. The firm helps put a stop to creditor harassment, foreclosures and repossessions, wage garnishments, and lawsuits.

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.
4.9
Avvo
5.0 / 5 (87)
Google
4.9 / 5 (67)
Facebook
4.6 / 5 (9)

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
Soucy Law Office logo
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Soucy Law Office

375 Gorham Street, Lowell, MA 01852
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  • Debt Settlement

Business Description

Soucy Law Office is a bankruptcy law firm and debt relief agency serving the people of Lowell. Founding attorney Nathan Soucy has been practicing law since 2004, and he offers his assistance to those who are filing for Chapters 7 and 13 bankruptcy. He helps the client with the means test, liquidation of their assets, and restructuring of their loans. Soucy is a member of the National Association of Consumer Bankruptcy Attorneys.

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
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The Consumer Bankruptcy Law Center logo
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The Consumer Bankruptcy Law Center

56 Central Square, Chelmsford, MA 01824
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

The Consumer Bankruptcy Law Center is a civil practice law firm serving the residents of Lowell and the nearby areas. The firm's partners have over 40 years of collective experience practicing law, and they work to stop foreclosure, repossession, and eviction for those who are filing for bankruptcy. They have taken cases involving both Chapters 7 and 13. Additionally, the firm takes cases in the fields of personal injury and family 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.
5.0
Avvo
5.0 / 5 (2)
The Law Office of Todd D. Beauregard, PC Bankruptcy & Creditor Debtor Rights logo
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The Law Office of Todd D. Beauregard, PC Bankruptcy & Creditor Debtor Rights

27 Central Street, Lowell, MA 01852
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Debt Settlement

Business Description

The Law Office of Todd D. Beauregard PC, Bankruptcy & Creditor Debtor Rights is a civil practice law firm in Lowell. The firm's managing attorney has been practicing law for over 15 years, and she offers legal counsel and representation to those who are filing for Chapters 7 and 13 bankruptcy. She also helps clients improve their credit scores after filing for bankruptcy. Additionally, the firm works to stop foreclosures and evictions for those filing.

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.
4.3
Google
4.3 / 5 (6)

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
Responsiveness
Friendliness
Helpfulness
Detail
––
The Law Offices of Lorden, Pastor & Lilly, PC logo
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The Law Offices of Lorden, Pastor & Lilly, PC

44 East Main Street, Ayer, MA 01432
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Serving clients near the Lowell area, The Law Offices of Lorden, Pastor & Lilly, PC is a law firm that helps people find a fresh start without the burden of their insurmountable debts. The bankruptcy attorneys at The Law Offices of Lorden, Pastor & Lilly, PC help clients file for chapter 7, chapter 11, and chapter 13 bankruptcy. The firm also handles estate planning and trusts, business litigation, criminal law, professional negligence (malpractice), and personal injury claims.

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
Google
5.0 / 5 (1)
Weicker Law, PLLC logo
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Weicker Law, PLLC

6 Courthouse Lane, Chelmsford, MA 01824
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Chapter 11 Bankruptcy

Business Description

Weicker Law PLLC is a civil litigation law firm working with the residents of Lowell and the surrounding communities. The firm offers bankruptcy services for both individuals and businesses, and its team has experience with Chapters 7, 11, and 13 cases. The team works to determine if the client is eligible for bankruptcy, dismiss qualifying debts, and restructure clients' loans to make them more manageable. Founder Raymond Weicker holds additional degrees in business and financing.

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.
4.2
Google
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
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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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