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Credit Card Debt and Bankruptcy

Milford, MA Bankruptcy Attorney

If you've gotten in over your head with credit card debt, you may be experiencing some of the worst business practices in America today – the actions of collection agencies:

  • Daily collection calls, pressuring you to pay more than you can afford to pay
  • Threats to take your property or liens against your property
  • Telling your boss or coworkers that you owe money
  • Threats to garnish your wages – or actual garnishment of wages

There are laws against abusive debt collection practices – most notably, the federal Fair Debt Collection Practices Act – but there are still plenty of third-party collection agencies that are violating them. We have helped people in Uxbridge, Medway and all the towns in Metrowest.

You don't have to live with debt hanging over your head.

Filing for bankruptcy will have an IMMEDIATE, positive impact on your life because it will stop debt collectors in their tracks.

  • No more harassing phone calls
  • No more collection letters
  • No more wage garnishment, liens or seizure of assets

Talk to a Metrowest, MA bankruptcy attorney about Chapter 7 and Chapter 13 bankruptcy. Call the Law Office of Raymond Mastroianni at (508) 473-8801 or email our office to schedule an appointment. Your initial consultation is free.

Chapter 7 and Chapter 13 Bankruptcy: Two Ways to Deal with Credit Card Debt

Chapter 7 : If your income is modest and you have few assets but a large amount of credit card debt, filing for Chapter 7 bankruptcy will give you a FRESH START by discharging your debt. You must meet income guidelines. We'll review your financial situation and tell you if you qualify.

Chapter 13 : If you have a steady income, or you have some assets that you do not want to sell, then Chapter 13 bankruptcy may be the way to go. In Chapter 13, we work with the bankruptcy trustee to create a repayment plan with your creditors. That plan runs for no more than 5 years. Any debt remaining after that point is discharged.

Bankruptcy and Buying a Home

May people who contact our law firm are worried about how a bankruptcy filing will affect their ability to buy a home in the future. The truth is, declaring bankruptcy now may be the best think you can do to qualify for a home mortgage three years from now.

Once your bankruptcy is completed, your income to debt ratio will look much better. And if you are doing a Chapter 13 bankruptcy, your steady monthly payments will begin to rebuild your credit rating.

Talk with a Milford Area Bankruptcy Lawyer

Take that first step to getting back on solid financial ground. Contact our Milford law office or call (508) 473-8801. If you need to file bankruptcy in Texas Jeanne Morales is very good. Bankruptcy Lawyer Mildland, TX

  • Flexible Appointments Available
  • Home Visits
  • Free Initial Consultation

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Earlier this week I received the documents from you relating to discharging my credit card debt. Thank you for your great service, your kindness and the confidence you inspired. Initially, I found the process very upsetting and stressful, but was relieved once the process got started. It was also a comfort knowing that all the legal parts of this situation were being handled by you and your staff. Everyone was easy to work with. Thank you, and have a great fall. - Cindy F.

Attorney Mastroianni thank you for your prompt response to my difficult financial situation. By educating me about my options I was able to work with you so that now on the other side of my bankruptcy having gotten the documents from the court yesterday. I feel lucky I found a lawyer who is professional but also easy to talk to and friendly. -Ned H.
Milford, MA

Without hesitation I will recommend you to my friends. Through bad luck I ended up in a financial situation I never thought I would be in. It was not easy to reach out to a lawyer and look at my options to deal with my debt but it became clear to me that working more hours in my job was never going to get me out of the situation I was in. My situation has turned out better than I could have imagined. I only wish I had done it sooner. - Julio S.
Franklin, MA

Thanks for all your kindness toward me and all the appreciated help. You helped change my life. - J.D. Metrowest


Free Consultations

Raymond M. Mastroianni
231 East Main Street, Suite 202
Milford, MA 01757

Local 508-473-8801 Cell Phone 508-400-1295 Toll Free 800-301-0000 Fax 508-473-8821


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