What Bankruptcy Can Do


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Mass Debt Law is the bankruptcy and debt-relief practice of Evans & Evans, P.C.

The thought of filing for bankruptcy can feel scary. It doesn’t need to be.

For many people, bankruptcy is the tool that finally stops the bleeding and opens the door to a brighter financial future. Here’s what it can do.

Stop the pressure right away

The moment your case is filed, the “automatic stay” goes into effect. By law it stops most collection activity in its tracks:



  • Stop foreclosures and evictions
  • Stop lawsuits, tax levies, and liens
  • Stop wage garnishment
  • Stop car repossession
  • Stop creditor calls and harassment

Get rid of debt and keep your property

Depending on your situation, bankruptcy can also help you:



  • Eliminate or reduce credit card, medical, personal-loan, and certain tax debts
  • Keep your exempt assets — in most cases your home, car, and retirement plans*
  • Avoid foreclosure, obtain a loan modification, and reduce car payments
  • “Strip off” a completely underwater second mortgage in a Chapter 13
  • Get the breathing room to reorganize your financial life — and start sleeping again

Is bankruptcy the right solution for me?

Not always — and we’ll tell you honestly. We carefully analyze your finances and advise whether bankruptcy is your best path or whether an alternative — settlement, negotiation, or consolidation — makes more sense. If bankruptcy isn’t right for you, we’ll help you negotiate with or, where appropriate, fight your creditors in court.

Practice Areas

Handle your entire bankruptcy case remotely — virtual consultations, e-signatures, and secure document exchange, all from the comfort of your home or office.

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Get clear answers about your options. Schedule a free, confidential consultation.

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*Whether and to what extent assets can be retained and debts discharged can only be determined after consultation with a qualified attorney.

Disclosure:  Evans & Evans, P.C. is a debt relief agency. We help people file for bankruptcy relief under the United States Bankruptcy Code.