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Best Bankruptcy Attorneys in Worcester

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Brine Consumer Law logo
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Brine Consumer Law

100 Grove Street, Worcester, MA 01605
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Brine Consumer Law advocates for debtors' rights in Worcester. This bankruptcy law firm handles chapters 7 and 13 bankruptcies and aims to resolve financial troubles. Founder Christopher Brine represents clients in consumer bankruptcy cases, including litigations on collection violations and debt defense. He provides consultations to verify whether bankruptcy is the optimal debt solution and accordingly plans for bankruptcy declarations. His legal services also cover FDCPA-related lawsuits for issues such as creditor harassment. Moreover, he offers loan mitigation and debt settlement 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.
4.8
Google
4.7 / 5 (14)
Avvo
5.0 / 5 (10)

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
Hines Law Offices logo
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Hines Law Offices

873 Waverly Street, Framingham, MA 01702
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Debt Settlement

Business Description

Hines Law Offices is a bankruptcy law firm with more than a decade of legal experience serving clients based in Worcester. The bankruptcy attorneys at the firm file chapter 7 liquidation and chapter 13 repayment plan bankruptcy on clients' behalf, helping financially distressed debtors rebuild their lives and their future. The firm helps put a stop to wage garnishment, foreclosure, repossessions, and lawsuits. Hines Law Offices is available 7 days a week and can also be reached during evenings.

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 (83)
Yelp
5.0 / 5 (4)
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
James A. Wingfield logo
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James A. Wingfield

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

Business Description

James A. Wingfield is a bankruptcy lawyer with a law firm located in Worcester. The firm caters to individuals, families, and small businesses with financial struggles in the Central and Western districts. Wingfield aims to use his 15 years of experience in bankruptcy matters to assist clients in stopping foreclosure, repossession, garnishment, lawsuits. The firm also represents clients in filing for chapter 7, chapter 11, and chapter 13 bankruptcy, supports them in court litigations, and discusses alternative solutions.

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
Google
4.5 / 5 (8)
Avvo
5.0 / 5 (7)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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., is a bankruptcy law firm in Worcester. The firm's team of attorneys helps clients in filing for bankruptcies under chapter 7, 11, 12, and 13 after reviewing their debts, assets, income, and expenses. They help debtors deal with collector harassment, foreclosures, freezing of bank accounts, and garnishments and advise them on alternatives like debt settlement in cases where bankruptcy is not the best solution. The firm also deals with family law and personal injury 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.
4.8
Google
4.7 / 5 (27)
Avvo
4.8 / 5 (25)
Facebook
5.0 / 5 (15)

(+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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Morrison & Associates, P.C. logo
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Morrison & Associates, P.C.

255 Park Avenue, Worcester, MA 01609
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Chapter 11 Bankruptcy

Business Description

Morrison & Associates, P.C. is the private practice of a bankruptcy lawyer in Worcester. Troy Morrison, the legal practitioner, has over two decades of experience in handling bankruptcy cases under chapters 7, 11, and 13 of the bankruptcy code. He seeks to provide debt relief options such as debt consolidation and informs clients of the consequences of bankruptcy filings. He also educates them on bankruptcy exemptions, including those covered by state guidelines. Morrison & Associates, P.C. also files emergency bankruptcy petitions.

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
Responsiveness
Friendliness
Helpfulness
Detail
––
Nickless, Phillips and O’Connor logo
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Nickless, Phillips and O’Connor

625 Main Street, Fitchburg, MA 01420
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Credit Card Debt

Business Description

Nickless, Phillips and O’Connor is a business and bankruptcy law firm that protects the rights of clients around the Worcester and Fitchburg areas. The lawyers in the firm have over eight decades of collective experience. For bankruptcy cases, the firm offers a range of services which include litigation, business bankruptcy and insolvency, and business debts and workouts. Founding lawyer David M. Nickless was part of the Electronic Filing Rules Committee of the Massachusetts District Bankruptcy Court from 2002 to 2003.

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
4.5 / 5 (182)
Facebook
4.5 / 5 (57)

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
The Law Office of Teresa Persico logo
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The Law Office of Teresa Persico

262 Main Street, Milford, MA 01757
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

The Law Office of Teresa Persico is a Worcester general practice law firm that dedicates itself to helping clients in bankruptcy and collection law matters. The firm's bankruptcy attorney helps debtors, individuals, and small businesses who are filing for chapter 7 or chapter 13 protection. The Law Office of Teresa Persico also represents creditors looking to collect from debtors. Additionally, the firm handles real estate law, wills and probate, personal injury matters, and landlord/tenant-related matters.

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 (40)
Google
5.0 / 5 (3)
Facebook
5.0 / 5 (3)
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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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