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Welcome to our Blog
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Worcester
Worcester Telegram and Gazette
2013
May
Celebrity Bankruptcy - Sinbad
February
Dr. Seuss, The Lorax -- Quote
Paying your Chapter 13 Plan -- on-line
Christy's of Cape Code - Files for Chapter 7 Bankruptcy
Proposed Bankruptcy Form and Rules Changes
January
2012 Massachusetts Foreclosure Statistics
Worcester County Bankruptcy Filings Decline in 2012
Notable Case - Recent Decision In Re: Mayberry
Violation of discharge injunction
2012
December
In re Hoey, 2012 Bankr. LEXIS 5803 (Bankr. D. Mass. Dec. 18, 2012)
What to Expect at your 341 Meeting!
Student Loans and Bankruptcy Prior to October 7, 1998
What can a Chapter 13 Plan do §1322 (b) of the Bankruptcy Code
Attorney Kovacs has been Selected as a top 40 litigator under 40 by the American Society of Legal Advocates.
"Helping your clients when they need help the most" Article from the WCBA's Committee on Services to the Poor & Homeless
Recent Case Decisions - from the National Association of Consumer Bankruptcy Lawyers
November
October 2012 Foreclosure Statistics
Recent Cases - Provided By the National Association of Consumer Bankruptcy Lawyers.
Loan Modification Tips from our Legal Assistant Lynn Conway
People around the office
October
"Two important wins for NCBRC and NACBA"
September
Attorney Kovacs has been rated as an "excellent" attorney on Avvo.com
Case Update from the National Association of Consumer Bankruptcy Lawyers
August
Common Bankruptcy Question - I am planning on Filing Bankruptcy, Can I stop paying my monthly bill.
Massachusetts Foreclosure Laws Amended
Jose Cansaco - Read his Bankruptcy Filing Here
July
Promotional Items
$5 Dunkin' Doughnuts Gift Card give away.
proposed new foreclosure law which is expected to be signed into law this week by the Governor -- Full text MGL C 244 s 35A
Selected Cases on Foreclosure in Massachusetts, curtsey of the Mass Law Library
The Kovacs Family
Administration supports bankruptcy protection for private student loans
June
I've been there too - my personal bankruptcy story
Henrietta EATON vs. FEDERAL NATIONAL MORTGAGE ASSOCIATION & another.
NACBA Case Update
May
NACBA on ABC News with Diane Sawyer on 5/28
Student Loan debt discharged due to Asperger's Syndrome
Cases In Review
ResCap, the mortgage arm of Ally Financial, formerly known as GMAC Mortgage files Chapter 11 Bankruptcy
"S.1102 -- Fairness for Struggling Students Act of 2011 (Introduced in Senate - IS)" --
Ask Your Lawmaker to Cosponsor Student Loan Dischargeability
Cases In Review
April
National Associaiotn of Consumer Bankruptcy Attorney's - Case Update and Amicus
Warren Sapp Bankruptcy
Direct Air Bankruptcy - Case Update
Bankruptcy Can Stop Foreclosure Instantly
March
Recent Bankruptcy Cases from the National Association of Consumer Bankruptcy Attorneys
Tax Masters -- $195 Million fraud judgment
Tax Masters -- $195 Million fraud judgment
Bankruptcy Hand Out - Your Rights During Bankruptcy - from NCLC
Bankruptcy Hand Out - Using Credit Wisely After Bankruptcy - from NCLC
Bankruptcy Hand Out - Common Bankruptcy Questions - from NCLC
Direct Air - Bankruptcy - Case Update
TODAY: Senate Judiciary Subcommittee Hearing on Student Loans
Action Oil Files for Bankruptcy
Tax master's Files for Bankruptcy
Are debts discharged in bankruptcy taxable?
Gross Income Defined:
Direct Air - Bankruptcy - I have tickets and do not know what to do
Southern Sky Air & Tours, LLC d/b/a Direct Air filed for bankruptcy today
Massachusetts Attorney General Regulations on Debt Collection - complete and full regulations
Foreclosures in Massachusetts increase 68%
Where can I get my credit report and score for Free
Case Update -- Amicus from NACBA
February
The Student Loan "Debt Bomb": America's Next Mortgage-Style Economic Crisis?
Can I Keep my Tax Refund?
Piccadilly Pub - Bankruptcy
NACBA's Principal Paydown Plan
January
Hostess Brands, Inc.
What is an Adversary Complaint?
Discharge of Tax Debts when your return is filed late -- In re McCoy
Video explanation of the current credit crisis.
When a Creditor Violates the Bankruptcy Discharge
Credit Card Debt Is On The Rise
2011
December
Holiday Hours for December 2011 - January 2012
Phone System Error - 12/19/11
Common Question -- Is there a minimum debt in bankruptcy?
Self Employed Individuals Use Net income not Gross income on form 22C, Means Test
Stop Foreclose - Fees for Chapter 13 Bankruptcy
We now accept debt cards!
My home has been sold at foreclosure - Is there any way for me to get my house back?
No hidden fees - Here is our fee schedule for Simple Chapter 7 Bankruptcy Cases in Worcester County
Holiday Foreclosure Moratorium.
November
total consumer debt in the US has fallen 60 billion dollars
Contested Lien Strip Victory - Second Mortgage Eliminated
Alabama County Files Largest Chapter 9 Bankruptcy
New Website
From the ABA "Service to Veterans Needed, Urges ABA President"
How EBay Can Help Your Bankruptcy
October
White House Offers New Relief To Massachusetts Student Borrowers
Making Monthly Payments During Bankruptcy
NACBA AMICUS NEWS
FHFA Director Praises Principal Paydown Plan as "Promising" and "Credible"Pledges to Provide Members an Assessment in Two Week
U.S. Bankruptcy Courts Increase Cost of Going Broke
new court fee schedule
Timely free consultation policy
Are You A Bankruptcy Phoenix?
"Supreme Court Accepts Case Challenging Mortgage Fees Charged by Quicken Loans"
"Support growing among policymakers for NACBA's Principal Paydown Plan"
Making Good Choices During The Holiday Season
States Tell Big Banks: "Enough!"
Debt Collectors Must Obey The Law
Chapter 13 Bankruptcy Primer
Bankruptcy's Means Test
September
Bankruptcy Stops Wage Garnishments Cold
When Does My Bankruptcy Case End?
IRS Tax Amnesty Programs Collects Billions
Americans with Advanced Degrees Are Increasingly Filing for Bankruptcy
Is your Bank Account Half Full Or Half Empty? 5 People Who have filed Bankruptcy
Tax Returns After Filing Chapter 13 Bankruptcy --
Chapter 7 Debtors Should Beware Hoggish Behavior
August
Eighth Circuit BAP Allows Strip Off of Wholly Unsecured Lien in Chapter 20
New Federal Agency Protects Massachusetts Consumers
"Chapter 11 Bankruptcy: A Primer"
Education Helps Debtors After Bankruptcy
Homeowners Need Help -- from the New York Times
The Positives of Bankruptcy!
"NATIONAL ASSOCIATION OF CONSUMER BANKRUPTCY ATTORNEYS ISSUES RESPONSE TO OBAMA ADMINISTRATION PLAN TO SELL VACANT AND ABANDON
How Bankruptcy Empowers
Renting As A Tenant After Bankruptcy
Attorney Kovacs be out of the office on Friday August 12, 2011 and Monday August 15, 2011.
Can I Keep A Credit Card If I File Bankruptcy?
Tax liens
Some tax debts are dischargeable in bankruptcy.
July
"RECENTLY FILED AMICUS BRIEFS." and "OTHER NEWS" -- From the National Association of Consumer Bankruptcy Lawyers
Why Should I Hire a Bankruptcy Attorney?
Checkout our new chapter 7 bankruptcy video
Your Personal "Debt Ceiling"
Checkout our new bankruptcy video.
Picking and Choosing Debts to Discharge
When Can I Stop Paying Credit Cards?
Bankruptcy Can Provide Leverage to Underwater Homeowners
Can Bankruptcy Discharge Student Loans?
"Customer Sues Chase, Says Bank Ruined Her Credit By Declaring Her Dead"
"CAPITAL ONE BANK (USA) N.A. WILL REFUND MORE THAN $2 MILLION"
"Wal-Mart Launches Medical-Legal Partnership to Aid Low-Income Families"
Debts Excluded From Chapter 7 Discharge
U.S. Bankruptcy Rate Drops
Life Happens: Bankruptcy Conversion or Dismissal During Chapter 13
Wyoming Home Is a 'Little Cayman Island' for Shell Companies
Greenpath, Inc. Bankruptcy Counseling Hours for the 4th of July Weekend.
"RECENT CASES OF INTEREST: Guest Contributor Wendell Sherk, NACBA State Chair, Missouri"
July 4th Weekend Hours
June
"Chief Justice Quotes Dickens in Ruling Against Anna Nicole Smith Heirs"
Keeping Your Vehicle During Chapter 13 Bankruptcy
Bankruptcy Court Declares Defense of Marriage Act Unconstitutional
"Bankruptcy of Giordano's Pizza Chain Complicated by Owner's Sovereign Citizen Lingo"
Kenda the Polar Bear
"Fla. Couple Ready to Seize Bank of America Furniture After Winning Foreclosure Fight"
MetroWest Daily News – Bankruptcy Filings
Your Massachusetts Fresh Start Bankruptcy
How Long Will Bankruptcy Stay On My Credit Report?
May
Rental Property - Mortgage Cram Down - Reduce your principle balance on your mortgage loan
Pre-Bankruptcy Credit Counseling Requirement
Happy Holidays
National Association of Consumer Bankruptcy Attorneys - Sen. Leahy Introduces Bill To Fight Creditor Fraud In Bankruptcy Court
The Tough File Bankruptcy
Limit Credit Card Use Before Bankruptcy
Follow us on our new Face book Page!!!!
Top Five Bankruptcy Provisions
Home Loan Modification Fact Sheet – HAMP
Happy Mother’s Day!!!!
Discharging Tax Debt in Bankruptcy
Bankruptcy's Instant Relief
Transferring Property Before Bankruptcy Can Be A Bad Idea
April
Visit our Google Places Page
January
New Homestead Law
Snow Day
How will bankruptcy shape my credit score?
Happy New Year
Regular hours resume
2010
December
Happy Holidays
November
Proposed Changes to the Massachusetts Homestead Law
August
What are typical fees in bankruptcy?
Bankruptcy is almost always cheaper than debt negotiation, settlement or consolidation
Venue – In which Court do I file my bankruptcy case?
July
"Two area lawyers nominated for district court judgeships"
June
HAMP Loan Modification Changes – Modification can NOT be denied because of active bankruptcy
May
Happy Memorial Day
I am facing foreclosure – Can Bankruptcy Help?
What to expect at your Free Consultation with Attorney Kovacs
I stopped paying my credit card bill. What is going to happen?
Judge Hoffman sworn in
Worcester Telegram and Gazette Article " A fair judge"
March
Judge Hoffman set to take the bench April 15, 2010
Recent Discharge Violation Case Settles for $15,000
Creditors that continue to attempt to collect on discharged debt are violating the law.
I just filed bankruptcy and my creditors keep on calling -- What can I do?
February
Settling a Debt for less than you owe can cost more than you think
New Credit Card Regulations – Opt in for Over Draft Fees
I filed bankruptcy. When will creditors stop calling?
What is Bankruptcy Counseling? Pre-Discharge Education
What is Bankruptcy Counseling? Pre Filing Counseling
If you are filing chapter 13 bankruptcy with careful planning you may be able to reduce your payment
If you owe the IRS or DOR filing bankruptcy will put you in an interest free payment plan
If you file Bankruptcy you can keep your tax return
Common Bankruptcy Mistake – Transferring an asset out of your name
January
Common Bankruptcy Mistake – Maxing out your Credit Cards before filing
Common Bankruptcy Mistake – Paying off a loan from a relative shortly before filing
You can still file chapter 13 bankruptcy while on un-employment
I live in Framingham. Where is my §341 meeting?
Your electricity, gas, or other public utility will NOT be shut off if you file bankruptcy
You can file bankruptcy and keep your home
Creditors are calling all the time
I have money in the bank what should I do?
If I file bankruptcy will it be in the newspaper?
"Beware of Foreclosure Rescue Scams - Help Is Free!"
Student loans and Bankruptcy
I filed Bankruptcy; Can I get a new credit card?
I am currently in a chapter 13 plan; Can I get a new car loan?
Framingham Office Opening
Where is my § 341 meeting?
How long after bankruptcy can I buy a new home?
HELP! My home is going to be foreclosed on.
I can no longer afford my car. What happens if I give it back to the bank?
Internet Resources for valuing your home
See what other people are asking and the answer I have on Avvo.com
See what other people are asking and the answer I have on Avvo.com
I have Filed for Bankruptcy and my Bank has Asked me to Reaffirm my Car Loan.
What is Discharge?
My Bank took money out of my checking account to cover a loan that I had not paid – Can they do this?
Home Loan Modification and Bankruptcy
CNN Money is Reporting that “job cuts easing in December”
Debtors are Protected from Discriminatory Treatment
How can I get a copy of my credit report?
My car is worth less than I owe on it! What can I do? Redeem or Cram Down.
CNN Money Reports that Home Values Will continue to decline in 2010 – Can I now eliminate my second mortgage
Can I file bankruptcy without my spouse?
2009
December
Telegram and Gazette reports “Foreclosure petitions still high” – Bankruptcy can save your home
Happy New Year!
I just filed for bankruptcy and forgot to tell my lawyer about a creditor
What can I do if I charged too much on my credit cards during the holidays?
Happy Holidays
What is the §341 Meeting of Creditors?
What Happens if I Cannot Make my §341 Meeting
Most Debtors in bankruptcy can keep their Tax Return
Avoidable Preferences for Business and Individuals Debtors
Debt Collectors and Harassing Phone Calls – How Many are too Many?
Attorney Melvin Hoffman appointed as the new Worcester Bankruptcy Judge
Eliminating a Second Mortgage or Equity Line of Credit and keeping your Home.
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05.22.2013
Celebrity Bankruptcy - Sinbad
Celebrity Bankruptcy – Sinbad Sinbad, a/k/a, filed for bankruptcy for the ...
02.03.2013
Dr. Seuss, The Lorax -- Quote
"Unless someone like you cares a whole awful lot, Nothing is going to get ...
02.03.2013
Paying your Chapter 13 Plan -- on-line
Paying your Chapter 13 Plan -- on-line Currently the only way to make your ...
02.02.2013
Christy's of Cape Code - Files for Chapter 7 Bankruptcy
Christy's of Cape Code – Files for Chapter 7 Bankruptcy On January 31, ...
02.02.2013
Proposed Bankruptcy Form and Rules Changes
There are several pending bankruptcy form and rule changes. The public is ...