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Massachusetts Bankruptcy Overview

The Unites States Constitution provides a way for people burdened by excessive debt to get a “fresh start” by filing for bankruptcy allowing them to pursue productive lives unimpaired by past financial problems. It is an important alternative if you are strapped with more debt and economic stress than you can handle.

The Federal Bankruptcy Laws were enacted to provide good, honest, hard working debtors with a fresh start. Bankruptcy helps people avoid the kind of permanent discouragement that can prevent them from ever reestablishing themselves as hard working members of society.

This summary is intended to be a brief overview of the types of bankruptcy filings, and what a bankruptcy filing can and cannot do. Bankruptcy law is complex, and there are many considerations that must be taken into account in making the determination whether or not to file. No one should base their decision whether or not to file bankruptcy solely on this information.

The Bankruptcy Code is divided into chapters. The chapters which almost always apply to consumer debtors are Chapter 7, known as “straight bankruptcy,” and Chapter 13, which involves an affordable plan of repayment.

Automatic Stay

An important feature applicable to all types of bankruptcy filings is the automatic stay. The automatic stay means that the mere request for bankruptcy protection automatically stops and brings to a grinding halt most lawsuits, repossessions, foreclosures, evictions, garnishments, utility shutoffs and debt collection harassment. It offers debtors a moment to breathe by giving the him or her and the trustee assigned to the case time to review the situation and develop an appropriate plan. In most circumstances, creditors cannot take any further action against the debtor or their property without permission from the Bankruptcy Court.

If you are considering bankruptcy, we encourage you to seek the advice and assistance of an experienced Massachusetts bankruptcy attorney before you decide to file. At Coppa Law Group, we will provide you with a free bankruptcy consultation where you can talk to our bankruptcy lawyer about your options.

We are a debt relief agency. We help people file for relief under the Bankruptcy Code.