Experienced Massachusetts Bankruptcy Attorneys
In 2005, the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA) made significant changes to the U.S. Bankruptcy Code, making it more cumbersome and difficult to file.
At DiFruscia Law Offices, we have met clients' bankruptcy needs for more than 40 years — we know how to help you, even with the more stringent filing requirements.
During an initial, confidential consultation, we help you determine if you qualify for Chapter 7 or Chapter 13 bankruptcy. Contact us today to schedule a convenient appointment.
Forty Years of Experience
Bankruptcy is a traumatic experience for most people. Our goal is to assist clients through this process, allowing them emerge successfully at the end with a debt-free fresh start.
Our attorneys offer legal services in Spanish, English, and Italian to help clients and work with them to determine if they qualify for Chapter 7 or if they need to file a Chapter 13 bankruptcy.
- Chapter 7 - This is designed to help individuals who make less the median income and have few assets. We explain how the mean test works, which is used to determine eligibility to file Chapter 7. To be eligible, you need to pass at least one of the two exam parts.
- Chapter 13 - Chapter 13 involves the use of a repayment plan, where the debtor makes payments to the Trustee for their secured debts and a portion of their unsecured debt. The plan runs 3 or 5 years and we counsel clients on the importance of properly budgeting all of their expenses in the plan. Late or missed payment to the trustee may result in your case being dismissed. Chapter 13 filings are often used to stop a mortgage foreclosure and you are able to pay mortgage arrears through the plan.
We understand your desire to stop creditors from calling incessantly and filing your mail box with demand letters. Bankruptcy filing will stop all collection activity and your phone will stop ringing — our attorneys are ready to help you file for bankruptcy by making the legal process as seamless as possible.
Bankruptcy Benefits
If you qualify for Chapter 7, you will be able to discharge all unsecured debts in about 90 days. This includes credit card debts, medical bills, and late rent payments. Lenders will be forced to stop proceeding with garnishment of your wages for foreclosures — if you continue to make your payments on time.
Chapter 13 will organize your debts into a three or five year payment plan and will stop repossession of your car or other property. After the plan is complete, any remaining debt is discharged.
Contact Us — We Are Ready to Help You
Generally, alimony, personal injury judgments, taxes, and student loans are not discharged through bankruptcy. We explain the benefits and obligations of a bankruptcy filing during a convenient consultation.
Contact us today by e-mail or call 978-687-1777 (603-898-8198 in New Hampshire) to schedule an appointment. We also offer a toll-free phone number for clients to call us at 866-930-7577.
