Category Archives: Practical tips

Nothing will quite strike fear into the heart of a working person as much as a surprise wage garnishment (sometimes called an attachment of wages). It’s not fun to get your pay voucher, open it up, and find that a big chunk of it has already been taken by a creditor. Not surprisingly, folks in […]

Most people who have gotten to the point of reading this post understand that personal bankruptcy is usually an effective way of eliminating credit card debt. But that’s not all that can be shed with a Chapter 7 bankruptcy case. Consumers can also use the bankruptcy code to rid themselves of: * Cell phone contracts: […]

The Boston Red Sox hired a new manager last week; baseball veteran Bobby Valentine will be taking over for Terry Francona next season. When the team announced the new hire, Red Sox general manager Ben Cherington said “One of the best parts of today is that it brings some closure to 2011 and now we […]

The meeting of creditors for bankruptcy debtors who live in Lawrence, Andover, North Andover, Methuen and Haverhill are held at 446 Main Street in Worcester, Massachusetts. Here are driving directions from the Merrimack Valley area: From the Lawrence area, take I-495 South to I-290; Take I-290 West to Exit 16 (MLK Jr Blvd) in Worcester; […]

Bankruptcy is often viewed as a very negative thing, even a punishment, by many people. It is true that filing for bankruptcy does have some disadvantages. At the same time, it also has a surprising number of benefits, which largely outweigh the disadvantage that go along with filing. Examples of the benefits to be gained […]

The Bankruptcy Process Follows a Typical Timeline: Questions about how the process works, what the steps are, and what the timeframes are tend to be very common. Don’t worry, I have compiled the following information to answer these questions and help you understand the basics. CREDIT COUNSELING BRIEFING: An individual cannot file Chapter 7 or […]

Have you been thinking about filing for bankruptcy, but for one reason or another, don’t really want to do it? If so, chances are you have done some looking, and bumped into debt-help websites loaded with helpful advice. Typically it goes something like this: * Take out a consolidation loan. Yes, this means just trading […]

A typical Chapter 7 bankruptcy filing runs 40 pages or more. (A good reason why it’s a smart idea to hire an attorney to have it done right). But your signature is only needed in two places! That is because the bankruptcy courts in Massachusetts, as in the rest of the nation, have adopted an […]