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If you are faced with overwhelming debt, including unpaid income taxes, 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 - keep your home and car while discharging debt and obtaining a "fresh start". Contact Attorney Hale for a free initial consultation. We represent clients throughout Southeastern Massachusetts and Cape Cod. Stop the IRS and Massachusetts DOR from harassing tax collections practices.
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 "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.
Debt repayment plans in Bankruptcy 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 are behind in your mortgage payments and are beneath the means test, you can file a Chapter 13 to pay the mortgage arrears and still pay none of your unsecured debts. 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. If your home is worth less than what you owe on your first mortgage and you also have a second mortgage, the second mortgage can be avoided or stripped as an unsecured debt under Chapter 13. If you owe income taxes, you can pay them through the Chapter 13 Plan and all interest and penalties will stop accruing.
Our small, friendly law office can put even the most sophisticated business people at ease, and can make this stressful procedure much more palatable. Attorney Hale can advise on the pros and cons of filing for Chapter 7 and Chapter 13 bankruptcies, including when to file, which assets are exempt from liquidation, and which debts cannot be discharged. The initial consultation is free.
The Law Office of Lawrence L. Hale is a debt relief agency. We proudly help people file for bankruptcy relief under the bankruptcy code.
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.
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 small business bankruptcy. 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.
Do not hesitate to call or email our Carver 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 1-508-866-2900, 1-800-357-2500.
Serving Southeastern Massachusetts and Cape Cod & The Islands Including the communities of Carver, Plymouth, Brockton, Bourne, Middleborough, Barnstable, Falmouth, Wareham, Rochester, Plympton, Halifax, Marshfield, Bridgewater, Mattapoisett, Sandwich, Lakeville, Freetown, Duxbury, Kingston, Marion, Mashpee, Cotuit, Hyannis, Woods Hole, Brewster, Yarmouth (s), Harwich (s), Orleans, Chatham and Welfleet.
Plymouth County • Bristol County • Barnstable County
Call Us Today 508-866-2900
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LAW OFFICE OF LAWRENCE L. HALE
157 MAIN STREET
CARVER, MA 02330