Practice Areas

Bankruptcy

Southeastern Massachusetts Bankruptcy Attorney

Find relief and get a fresh start

If you are faced with overwhelming debt, you have options. Federal bankruptcy law provides protections for individuals unable to pay off debts while meeting living expenses. At the Law Office of Lawrence L. Hale, we assist Massachusetts residents who want to end harassing calls from collectors and avoid the threat of losing the family home.

Stop creditor harassment. Avoid foreclosure. Protect assets. Contact our Plymouth County bankruptcy attorney for a free initial consultation. We represent clients throughout Southeastern Massachusetts and Upper Cape Cod.

Chapter 7 Bankruptcy — Discharge of Debts

Despite recent changes in federal bankruptcy law, Chapter 7 bankruptcy remains a viable option for debt relief. Under Chapter 7, all unsecured debt (such as credit card balances and medical bills) is discharged. The new "means test" was intended to push more people into repayment plans, but in our experience the vast majority of clients still fall below the income guidelines and qualify for Chapter 7 bankruptcy.

Timing of your bankruptcy can have a significant effect, as the Chapter 7 means test averages all household income in the six months prior to filing. If you were unemployed or on disability income before landing a good-paying job, you might still be eligible for Chapter 7.

Chapter 13 Bankruptcy — Debt Repayment

Debt repayment plans help homeowners and businesses by placing a stop to creditor harassment and halt house foreclosure or vehicle repossession. Chapter 13 bankruptcy plans establish a debtor’s ability to repay debts, spread over several years. If you have little or no equity in your house, but owe substantial arrears on your mortgage, Chapter 13 repayment may be your best option.

Our experienced Massachusetts bankruptcy lawyer can advise on the pros and cons of filing for Chapter 7 or Chapter 13 bankruptcy, including when to file, which assets are exempt from liquidation, and which debts cannot be discharged.

The Law Office of Lawrence L. Hale is a debt relief agency. We help people file for bankruptcy relief under the bankruptcy code.

Creditor Rights

We also represent creditors in bankruptcy court. The Law Office of Lawrence L. Hale has a history of effectively helping businesses in trouble. We help contractors, suppliers, and other business creditors in matters involving hidden assets, motions for relief from stay, proof of claims, and bankruptcy fraud.

Experienced Bankruptcy Representation

Attorney Lawrence L. Hale has practiced bankruptcy law since 1990, helping hundreds of people obtain debt relief through Chapter 7 bankruptcy or debt repayment through Chapter 13. He is a member of the National Association of Consumer Bankruptcy Attorneys (NACBA) and the Bankruptcy Law Section of the Boston Bar Association. Larry Hale understands the legal implications of the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005, staying abreast of all changes in the law and court decisions.

Free initial consultation

Do not hesitate to call our Carver, Massachusetts, law office to discuss your legal options. We treat our clients with dignity and respect. We will use all of our resources to protect your interests, and inform you of your rights in bankruptcy and debt relief. Call 508-866-2900, 1-800-357-2500.