File For Bankruptcy in Massachusetts

Eliminate
    Credit Card Bills
    Medical Bills
    Foreclosure Process
    Wage Garnishment
    Creditor Harrasment
Keep
    Your Home
    Your Car
    Your Wages
    Your Furniture
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Do You Qualify for Bankruptcy Protection?
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How We Help in Massachusetts

Get Out of Debt and Start Fresh

UpRight Law is a national law firm dedicated to helping Massachusetts residents get out of debt.

If debt is keeping you awake at night, creating stress for your family and interfering with other areas of your life, it’s time to take control. The attorneys at UpRight Law understand the toll that unmanageable debt can take, and want to help you get a fresh start. We’re making it as easy as possible for you to get the information you need: our online platform connects you with a bankruptcy attorney for a free case evaluation.

If you’re a Massachusetts resident ready to move toward a better future, learn more about whether Chapter 7 bankruptcy or a Chapter 13 repayment plan could provide the relief you need. You may even be able to file bankruptcy online.

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Get Out of Credit Card Debt in Massachusetts

Average credit card debt in Massachusetts is 10.3% of per capita income. That can be a heavy burden for a working family, and can quickly spiral out of control if income is interrupted or an unexpected expense like a major car repair or large medical bill crops up. Fortunately, relief is available for many people struggling with credit card debt. About $20 billion in credit card debt is discharged in Chapter 7 bankruptcy cases each year, giving those individuals and families a fresh financial start.

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Creditor Harassment in Massachusetts

Massachusetts law protects residents from unfair and deceptive debt collection practices. While the federal Fair Debt Collection Practices Act applies only to third party debt collectors such as collection agencies and debt buyers, the Massachusetts law applies to original creditors as well. If creditors or debt collectors are threatening you with arrest, attempting to collect time-barred debt, using abusive language or otherwise harassing you, help is available. Schedule a free consultation today.

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Chapter 7 Bankruptcy Law

Chapter 7 bankruptcy helps many Massachusetts residents get out of debt and regain control of their finances. Chapter 7 law was written to help people whose unsecured debt has become unmanageable start fresh. In most Chapter 7 cases, an automatic stay is entered as soon as the case is filed. The stay stops most collection action instantly, so you can breathe easier right away. Then, most unsecured debt can be discharged, or wiped out. That generally includes credit card debt, medical bills and unsecured personal loans, among other debts.

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Chapter 13 Bankruptcy Information

While Chapter 7 bankruptcy eliminates many unsecured debts, Chapter 13 may provide a solution for people who have fallen behind on secured debt such as mortgage payments and car payments. Many Massachusetts residents also choose Chapter 13 bankruptcy because their income is too high to qualify for Chapter 7 bankruptcy, or because they have non-exempt assets they want to protect. A Chapter 13 repayment plan provides the opportunity to catch up past-due payments over time, while putting an end to the constant stress, collection calls and late fees.

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Stop Foreclosure in Massachusetts

As of September, 2015, both foreclosure actions and pre-foreclosure mortgage status were on the rise in Massachusetts. In many cases, Chapter 13 bankruptcy can help Massachusetts residents save their homes. A Chapter 13 repayment plan may allow you to catch up past-due balances over three to five years while making regular mortgage payments on schedule. If you’re in danger of losing your home, take the opportunity to schedule a free consultation and learn more about Chapter 13 bankruptcy.

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Get Out of Medical Debt in Massachusetts

Medical debt is crippling many Americans. In the past decade, studies have revealed that medical bills play a role in more than half of personal bankruptcy filings. The good news is that bankruptcy helps many people in Massachusetts and around the country get a fresh start after a long illness or serious injury. That’s exactly the type of situation Chapter 7 law was written for. Most medical debt can be eliminated in Chapter 7 bankruptcy, allowing a person to recover financially as well as physically.

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Massachusetts Wage Garnishment

In the state of Massachusetts, wage garnishment is limited to the lesser of 15% of your disposable income or the excess left after you’ve received 50 times the greater of the federal or Massachusetts state minimum wage. Most types of wage garnishment require a court order, although there are some exceptions such as child support and tax debt. Often, personal bankruptcy can put an immediate stop to wage garnishment. If your wages are being garnished or you’ve received notice of an impending garnishment, schedule a free consultation to find out whether you can stop garnishment.

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Do You Qualify for Bankruptcy Protection?
Enter Your ZIP Code:

I am really appreciative of the services I received from your team. You worked very hard in getting to the bottom of my situation and were able to resolve my problems in a timely manner. If I ever have a friend or family member in need of these services, I would definitely recommend you to them. Thanks for everything!

Timothy M. Kalamazoo, MI

You did an excellent job in resolving my issue with my pesky creditors. He got me a very nice settlement and he did it in a more than timely manner. Thank you all for the work you all did. It is greatly appreciated.

Malina B. Portland, OR

Our Bankruptcy Attorneys in Massachusetts

The bankruptcy lawyers at UpRight Law have helped people in Boston, Cambridge, Brookline, Lynn, Springfield, Worcester and across the state of Massachusetts to get out of debt and begin new financial lives. We want to help you, too! If you’re overwhelmed by debt, schedule a free online consultation to find out whether we can help you get the fresh start you need.


Amber Alas

Partner

Worchester, MA
6 Years of Experience

Attorney Amber Alas is a dedicated lawyer that will fight tirelessly for you.  She offers exceptional service to individuals and couples in Massachusetts.

Attorney Alas received her Bachelors from […]

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Erin Semcken

Partner

Plymouth, MA
7 Years of Experience

Erin obtained her Bachelor of Science degree in Chemical Engineering in 1998 from Rensselaer Polytechnic Institute. After a decade of working in the pharmaceutical industry, Erin began studying law an […]

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William O’Neil

Partner

Springfield, MA
31 Years of Experience

William O’Neil has practiced law in the greater Springfield area for 28 years. He has 20 years experience in defending hard working citizens who have been harassed by debt collectors by representing […]

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Kenneth E. Lindauer

Partner

Salem, MA
43 Years of Experience

I have been engaged in the practice of law since 1974 with an emphasis on Bankruptcy, Domestic Relations, Real Estate and Probate. I have maintained an office in Salem, Massachuse […]

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