Frequently Asked Questions

In most cases, no. Massachusetts and federal exemption laws are designed to let you keep essential property — typically your home, vehicle, and retirement accounts — as long as you stay current on any secured loans. We’ll review exactly what you can protect at your consultation.

No. While a bankruptcy filing does appear on your credit report, most clients already have damaged credit by the time they file. Many people are surprised how quickly they can begin rebuilding — often qualifying for credit again within a year or two of discharge.

It depends on your income, your assets, and your goals. Chapter 7 wipes out qualifying debt quickly; Chapter 13 lets you catch up on a mortgage or car loan over time. We’ll determine which chapter fits — and whether bankruptcy is the right move at all.

Costs include court filing fees and attorney’s fees, and we’ll quote you a clear, flat fee up front — no surprises. For many clients, the debt eliminated far outweighs the cost. We also offer affordable options and can discuss them at your free consultation.

Yes. As soon as your case is filed, the automatic stay legally requires most creditors to stop calling, suing, garnishing wages, and pursuing foreclosure. If a creditor keeps contacting you, tell us — they can face consequences.

Most consumer cases require only one brief, routine meeting (the “341 meeting of creditors”), often held by phone or video. We prepare you fully beforehand and are with you every step of the way.

Yes. We offer secure phone and Zoom consultations and remote filing. You can share documents through our encrypted client portal and handle nearly everything from home — only documents needing original signatures must be mailed.

Bankruptcy commonly eliminates credit card debt, medical bills, personal loans, and certain older tax debts. Some debts — such as most student loans, recent taxes, child support, and alimony — generally cannot be discharged. We’ll review your specific debts with you.