Massachusetts Bankruptcy Attorney

Helping Clients File for Bankruptcy Under Chapter 7 and Chapter 13

If you are considering consumer bankruptcy, an important consideration is going to be what type of bankruptcy is right for you and your situation. Bankruptcy law has become more complex — but that does not mean that bankruptcy is not a viable alternative for debt relief. For more information about Chapter 7 or Chapter 13, please contact our law offices online or call 508-817-5072 to schedule a free initial consultation with an experienced bankruptcy lawyer.

The Law Offices of Heather J. Lynham, P.C. is located in Fairhaven, Massachusetts, with satellite offices in Taunton, Fall River and Buzzards Bay. We are devoted to advising clients on the options available through bankruptcy. We help clients file for bankruptcy and protect their interests and assets throughout the process. Our experienced attorneys take the time to help you understand the various types of consumer bankruptcy available.

The Fresh Start of Chapter 7 Bankruptcy

Chapter 7 bankruptcy can give you a clean slate or "fresh start" because it allows for many types of debt to be completely discharged. With Chapter 7, you are essentially seeking debt forgiveness on personal loans, credit card balances and medical bills. To qualify for Chapter 7 bankruptcy, you will be required to show that you qualify based on your income and the median income in your area. We can help you make this determination and guide you through your case, correctly completing the petition, and accompanying you to the hearing with the bankruptcy trustee.

Establishing a Repayment Plan with Chapter 13

Chapter 13 is often called repayment or reorganization bankruptcy because it allows for a court-ordered repayment plan of debt to be established. Typically, over a 3 to 5 year period, the debtor repays some or all of their debt with one monthly payment that is based upon their current ability to pay. Chapter 13 is similar to debt consolidation. The most common reason for filing a Chapter 13 is to stop foreclosure, and allow you to keep your home.

For more information on Chapter 7 or Chapter 13, please contact the Law Offices of Heather J. Lynham, P.C. online or call 508-817-5072. We offer a free initial consultation.

**A debt relief agency helping people file bankruptcy under the Bankruptcy Code.

Law Offices of 
Heather J. Lynham, P.C.
51 Alden Road
Fairhaven, MA 02719
Phone: 508-817-5072
Fax: 508-992-4465
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