Chapter 7 Bankruptcy

Amesbury Chapter 7 Bankruptcy Lawyer

Do You Qualify to Wipe Out Your Debts?

Chapter 7 bankruptcy erases certain debts completely. If you owe more than you can possibly repay, bankruptcy stops creditor actions, resets your finances and opens the door for a brighter future.

Bankruptcy is a big step and must be handled correctly. Explore debt relief with an experienced bankruptcy attorney at Munroe P.C.. With offices in Amesbury and Hudson, we represent individuals and couples in the Merrimac Valley, North Shore and the Metro West areas. Arrange a free consultation today.

Amesbury Chapter 7 Bankruptcy Attorney

Newburyport • Northeast Massachusetts • Metro West

If you qualify, Chapter 7 bankruptcy discharges unsecured debts such as credit card balances and medical bills, and even certain judgments and back taxes. Contrary to a common fear about bankruptcy, most of our clients are able to keep cars and personal possessions, as well as their home and retirement savings. (See our Bankruptcy FAQ.)

You may not be eligible for Chapter 7 bankruptcy if:

You earn too much under the Chapter 7 means test
You owe substantial mortgage arrears
You have assets that are not covered by the Massachusetts bankruptcy exemption

Many of our clients fall close to the Massachusetts median income, but this is not necessarily a barrier to Chapter 7. Bankruptcy lawyer Kris Munroe will sit down with you and go over your finances in detail and discuss legitimate strategies to qualify even if your income is above the median. If you are not a candidate for a Chapter 7 discharge, we can explore debt relief and creditor relief under Chapter 13 bankruptcy.

Get Your Life Back on Track

Chapter 7 bankruptcy does not eliminate all debts. You cannot escape mortgage arrears or car payments (unless you surrender those assets). You cannot discharge student loans, recent taxes or unpaid child support. However, most clients have financial elbow room and new peace of mind after wiping credit card balances and other eligible debts.

Serving Newburyport, Haverhilll, Lawrence and surrounding communities, as well as the Metro West area, our Amesbury/Hudson credit card debt relief attorney enjoys helping people solve their debt crises. Call us at (978) 388-1100 or contact us online to schedule an appointment at our offices or a convenient off-site location, including evening hours.

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

The law firm of Munroe P.C. is located in Amesbury, Massachusetts, with an office in Hudson, serving clients of Merrimack Valley, the North Shore and the Metro West area, including Haverhill, Lawrence, Salisbury, Bradford, Georgetown, Lawrence, Methuen, Salem, Marlborough, Stow, Shrewsbury, Sudbury, Maynard, Southborough, Westborough, Berlin and surrounding communities of Essex County, Middlesex County and Worcester County.