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Best Bankruptcy Attorneys in Newton

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Elaine M. Benkoski, Attorney at Law logo
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Elaine M. Benkoski, Attorney at Law

30 Eastbrook Road, Dedham, MA 02026
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Elaine M. Benkoski, Attorney at Law, is a bankruptcy lawyer handling business and consumer bankruptcy cases according to chapters 7 and 13. Her firm is a designated debt relief agency by the federal government since 1989. She assists individuals and businesses in Newton in filing for bankruptcy relief under the Bankruptcy Code. She also helps in asset protection planning, collection problems, and work-out solutions. Benkoski is affiliated with the American Bankruptcy Institute and the National Association of Consumer Bankruptcy Attorneys.

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)

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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Kovacs Law, P.C. logo
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Kovacs Law, P.C.

131 Lincoln Street, Worcester, MA 01605
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Kovacs Law, P.C. serves families and individuals in Newton who are struggling with overwhelming debt. Founder Robert Kovacs and his team of professionals can offer guidance to clients who want to file for bankruptcy and find relief from creditor harassment. Kovac is knowledgeable in all chapters of bankruptcy and can help individuals select the chapter that best suits their financial situation. This law office also practices in family law and represents those with 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.
4.8
Facebook
5.0 / 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.
5.0
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Law Office of Joseph Perl logo
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Law Office of Joseph Perl

203 Arlington Street, Watertown, MA 02472
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  • Credit Card Debt
  • Debt Settlement

Business Description

The Law Office of Joseph Perl is a bankruptcy law firm that helps clients having legal troubles in Newton and nearby locations. Bankruptcy attorneys at this firm assist debtors in filing chapter 7 bankruptcy, which prevents creditors from filing lawsuits and collecting debts. It also provides assistance to creditors in debt collection through wage garnishments, bank account levies, and real estate levies. The Law Office of Joseph Perl also offers foreclosure services.

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 (8)
Avvo
5.0 / 5 (8)

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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Law Office of Michael J. Tremblay logo
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Law Office of Michael J. Tremblay

277 Main St, Marlborough, MA 01752
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

The Law Office of Michael J. Tremblay offers divorce mediation and consumer bankruptcy services in Newton. As a bankruptcy lawyer, Tremblay seeks to relieve clients from debt problems. With over three decades of experience handling bankruptcy issues, he helps debtors determine their eligibility and identify applicable bankruptcy types. Apart from filing petitions, he strives to obtain debt discharges and stop abusive collection measures, foreclosures, and wage attachments. The Law Office of Michael J. Tremblay handles reorganization and liquidation bankruptcies.

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.
4.1
Facebook
3.7 / 5 (3)
Yelp
4.0 / 5 (3)
Google
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.
5.0
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Law Offices of David W. Lima logo
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Law Offices of David W. Lima

30 Turnpike Road, Southborough, MA 01772
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Law Offices of David W. Lima is a law firm that provides debt relief solutions to clients in the Newton area. The firm's bankruptcy attorney, David W. Lima, has been representing clients for more than 25 years. Lima offers chapter 7 and chapter 13 representation, eliminating dischargeable debts and saving homes from foreclosures. It also provides a non-bankruptcy option through creditor negotiation. Other legal areas of practice include divorce, real estate law, and probate of estates.

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 (18)
Avvo
5.0 / 5 (9)
Facebook
5.0 / 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
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Detail
––
Miller Law Group, P.C. logo
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Miller Law Group, P.C.

352 Turnpike Road Suite 222, Southborough, MA 01772
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Miller Law Group, P.C., is a bankruptcy law firm that provides its services to clients in Newton to help them get a fresh start. The firm has an experienced team of bankruptcy lawyers who can offer advice on chapters 7 and 13 bankruptcy, emergency bankruptcy, and bankruptcy alternatives. They can also provide assistance with automatic stays, creditor harassment, and foreclosure defense. Miller Law Group has six offices that are located in Burlington, Danvers, Dedham, Mansfield, Southborough, and Springfield.

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
Avvo
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.
5.0
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Morrison & Associates logo
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Morrison & Associates

255 Park Avenue, Worcester, MA 01609
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Morrison & Associates is a bankruptcy law firm that is dedicated to helping clients create a fresh financial start throughout Newton and all of Massachusetts. The professionals from this business offer Chapter 7, 11, and 13 bankruptcies, debt settlement, collections defense, and other alternatives to bankruptcy. The firm's founder, Troy Morrison, has been practicing bankruptcy law for more than 20 years. Morrison is a member of the National Association of Consumer Bankruptcy Attorneys.

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
Avvo
5.0 / 5 (4)
Yelp
3.0 / 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
––
Murray Law logo
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Murray Law

39 Union Avenue, Sudbury, MA 01776
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Murray Law is a boutique law firm established more than 30 years ago that provides its legal services to clients in Newton. The firm works with chapters 7 and 13 bankruptcy cases for individuals and small businesses. It provides consultations, during which its bankruptcy lawyer personally evaluates the potential clients' cases and discusses their situations to determine if bankruptcy is the right solution, as well as for which form of bankruptcy they qualify. Murray Law is headed by Daniel and Christopher Murray.

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 (8)

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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Detail
Panaggio Law logo
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Panaggio Law

233 Needham Street, Newton, MA 02464
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  • Debt Settlement

Business Description

Panaggio Law is a bankruptcy law firm serving families and individuals in Newton. The firm was established by Brenda Panaggio, who acquired her law degree from the Roger Williams University School of Law. Throughout her career, Panaggio has provided legal guidance for clients who need to obtain debt relief. She is experienced at chapter 7 and chapter 13 bankruptcy proceedings. Panaggio Law also assists with mortgage foreclosures and IRS wage garnishments.

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 (3)

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 Halks Firm logo
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The Halks Firm

233 Needham Street, Newton, MA 02464
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

The Halks Firm is a Newton-based law firm that provides legal representation in matters related to bankruptcy. The firm assists clients in filing for bankruptcy under chapters 7 and 13. It provides consultation services with its bankruptcy attorney, Nicholas Halks. Halks discusses possible solutions for his clients' financial situation and guides them through the bankruptcy process. He is also an experienced negotiator who can obtain an agreement without going to court.

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 (63)
Google
4.9 / 5 (31)
Facebook
5.0 / 5 (5)

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
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Detail
––
The Lev Law Firm logo
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The Lev Law Firm

134 Main St., Watertown, MA 02472
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

The Lev Law Firm deals with consumer bankruptcy matters in Newton. Dmitry Lev, its bankruptcy attorney, informs debtors of their legal options, walks them through the bankruptcy process, and determines whether filing for bankruptcy is the best possible solution. He seeks to avoid home foreclosures, car repossessions, and wage garnishments, focusing on clients' financial recovery. Additionally, he represents clients in reorganization and liquidation proceedings and takes legal actions for consumer law violations. The Lev Law Firm also handles criminal defense.

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
Yelp
5.0 / 5 (4)
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.
5.0
Responsiveness
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Detail
Tsizer Law, P.C. logo
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Tsizer Law, P.C.

1101 Worcester Road, Framingham, MA 01701
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  • Chapter 7 Bankruptcy
  • Credit Card Debt

Business Description

Tsizer Law, P.C. is a bankruptcy law firm serving Framingham and nearby communities. Its professionals offer debt-relief options, such as chapter 7 liquidation, chapter 13 reorganization, and other bankruptcy alternatives. The company also handles matters in other areas of law, including health care proxy, probate litigation, asset division, tax advice, child custody, and guardianship. The firm's principal attorney, Elena Tsizer, has a Master of Laws degree in taxation with a focus on estate planning.

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 (13)
Facebook
5.0 / 5 (3)

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
––
Warren J. Hurwitz, Attorney at Law logo
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Warren J. Hurwitz, Attorney at Law

75 2nd Avenue Suite 605, Needham, MA 02494
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Warren J. Hurwitz, Attorney at Law is a Newton-based law firm that provides legal help to clients who are facing overwhelming debt. The firm's bankruptcy attorney, Warren J. Hurwitz, has been dealing with bankruptcy-related matters for the last three decades. Hurwitz assists in filing chapters 7 and 13 bankruptcies, which entail debt elimination and debt restructuring, respectively. Other legal areas of practice include real estate law and estate planning.

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 (51)
Yelp
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Back to Providers

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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