Bankruptcy Attorneys in Springfield, Massachusetts
Over 30 Years of Experience
If you are struggling financially, carrying a large amount of medical or credit card debt, unable to pay your bills and perhaps facing foreclosure, you may have considered personal bankruptcy as a way to get a fresh start. An experienced bankruptcy lawyer will help you understand your options, so that you can determine whether bankruptcy is in your best interests and, if so, the best direction to take.
At the law firm of Kalill, Glasser & Associates, with offices in Springfield and Westfield, we handle all personal bankruptcy proceedings for individuals throughout western Massachusetts and northern Connecticut. We have built our practice on a commitment to carefully listening to all the concerns of our clients, so that we are fully prepared for all contingencies and can help you find creative solutions that meet your individual needs. Contact our offices or call us at 413-306-4315 to arrange a free, 20 minute consultation.
Our Personal Bankruptcy Practice
We handle all matters related to personal bankruptcy filings, including Chapter 7 (liquidation) proceedings and Chapter 13 (reorganization) proceedings. Once you file for protection under Chapter 7 or Chapter 13, all of your creditors must immediately cease any efforts to collect from you, including phone calls, letters and legal action.
Chapter 7
In a Chapter 7 filing, you are allowed to discharge certain debts in exchange for your agreement to sell (liquidate) assets. Some debts, such as student loans, child support arrearages and specific tax obligations, may not be discharged through bankruptcy. Likewise, though, some assets, including your primary residence and motor vehicle, are generally exempt from sale. We will make certain that you understand what can be discharged and what can be protected before you file for protection.
The federal bankruptcy laws changed in 2005, making it more difficult to qualify to file for protection under Chapter 7. You must now submit to a means test. If the bankruptcy court determines that you have the resources to repay your creditors over a 3 to 5 year period, you cannot file under Chapter 7. Your only recourse in bankruptcy will then be under Chapter 13.
Chapter 13
In a Chapter 13 bankruptcy, you agree to restructure your debts and repay your creditors over a period of time. If you file for protection under Chapter 13, we will review any proposed repayment plan to ensure that it is within your means. If you fail to meet your payment obligations under Chapter 13, you can lose all the protections of the bankruptcy law.
For a free, 20 minute consultation with one of our experienced lawyers, contact us or call us at 413-306-4315. Our offices are open from 9:30 am until 5 pm, Monday through Friday, and evenings and weekends upon request.
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Westfield Office Telephone: 413-306-4315 | Fax: 413-787-9906 | Toll Free: 866-381-7642 |
Springfield Office  |  |
