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Best Bankruptcy Attorneys in Springfield

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Berliner Law logo
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Berliner Law

1441 Main Street, Springfield, MA 01103
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  • Debt Settlement
  • Student Loan Debt

Business Description

Berliner Law is a debt relief agency in Springfield. Its bankruptcy lawyer provides consultation services to guide clients on their options and provide information on the benefits that can be attained in filing for bankruptcy. Its services cover chapter 7 and chapter 13 bankruptcy petitions. It assists clients in preparing and filing documents. It also gives advice in complex bankruptcy cases. Other than bankruptcy, the firm provides legal representation in foreclosure defense, mortgage modification, collector harassment, and credit card 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.
4.9
Google
4.9 / 5 (7)
Avvo
5.0 / 5 (5)
Goldsmith, Katz & Argenio, P.C. logo
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Goldsmith, Katz & Argenio, P.C.

1350 Main Street, Springfield, MA 01103
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Goldsmith, Katz & Argenio, P.C. is a locally-operated bankruptcy law firm that serves individuals and businesses in Springfield and the surrounding areas. For more than 30 years, its team of attorneys has been providing client representation in chapter 7 and chapter 13 bankruptcy proceedings. The lawyers are well-versed in handling bankruptcy litigations, debt settlements, and financial debt workouts. Other than bankruptcy law, the firm's attorneys also practice in the areas of domestic relations and real estate 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.
4.6
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
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Hare, Stamm, Harris & O’Connor, LLC logo
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Hare, Stamm, Harris & O’Connor, LLC

1350 Main Street, Springfield, MA 01103
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  • Chapter 7 Bankruptcy

Business Description

Hare, Stamm, Harris & O’Connor, LLC. serves individuals and businesses in Springfield. With more than 100 years of combined legal experience, the firm's bankruptcy lawyers assist clients in strategic planning and preparation for bankruptcy. The firm's services cover chapter 7 consumer bankruptcy. This allows clients to discharge specified debts. Throughout the process, the lawyers assist clients in the confirmation of eligibility, preparation of bankruptcy documents, legal representation, and creditor negotiation. The firm also provides its services in Spanish.

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 (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
Friendliness
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Detail
––
Law Office of William J. O'Neil logo
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Law Office of William J. O'Neil

280 North Main Street, East Longmeadow, MA 01028
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Serving Springfield, The Law Office of William J. O'Neil is the practice of William O'Neil, a bankruptcy attorney with more than 32 years of legal experience. It helps file chapter 7 and chapter 13 bankruptcy for clients who have gotten too deep in debt for reasons such as job loss, divorce, medical bills, or mounting credit card bills. Besides handling bankruptcy, The Law Office of William J. O'Neil also represents clients in criminal law cases.

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 (6)
Google
5.0 / 5 (1)
Ostrander Law Office logo
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Ostrander Law Office

36 Service Center Road, Northampton, MA 01060
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  • Chapter 7 Bankruptcy
  • Debt Settlement

Business Description

Ostrander Law Office represents individuals in bankruptcy cases in Springfield. The law firm assists in discharging personal debts. In addition to filing for chapter 7 bankruptcy, bankruptcy lawyer David Ostander also oversees hundreds of cases as a bankruptcy trustee. He has 30 years of experience handling bankruptcy cases and over 20 years as a bankruptcy trustee. David Ostander is the only lawyer in Western Massachusetts who is certified in both consumer bankruptcy law and business bankruptcy law. Ostrander Law Office is located in Northampton.

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 (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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Reynolds & Werman, LLC logo
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Reynolds & Werman, LLC

16 South Boulevard, West Springfield, MA 01089
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Reynolds & Werman, LLC. is a law firm offering real estate and bankruptcy legal services in Springfield. The firm's bankruptcy attorneys guide clients through the process of preparing and filing for chapter 7 and chapter 13 bankruptcies. The firm provides consulting services to discuss each client's options and eligibility. It helps clients stop creditor harassment by providing legal representation and filing for bankruptcy. It also practices personal injury law. The firm offers its services in English and Spanish.

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 (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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Shatz, Schwartz and Fentin P.C. logo
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Shatz, Schwartz and Fentin P.C.

1441 Main Street, Springfield, MA 01103
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Debt Settlement

Business Description

Established in 1969, Shatz, Schwartz and Fentin P.C. is a law firm in Springfield that specializes in bankruptcy. The firm's bankruptcy lawyers provide representation and counseling in the areas of personal and business bankruptcy, reorganization, and workouts. This covers the legal representation of debtors in chapters 7, 11, and 13 commercial and consumer bankruptcies, as well as borrowers and lenders in debt restructuring and workouts when bankruptcy isn't the best option.

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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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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