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Worcester Bankruptcy Lawyer

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Are you overwhelmed with debt? Are creditors calling you left and right, demanding payment? If you face foreclosure, wage garnishment, repossession, tax liens, or other debt problems, we invite you to take this opportunity to discuss your rights and options with a Worcester bankruptcy attorney. Our office is dedicated to helping people throughout Massachusetts stop those creditor calls and eliminate debt and stress.

Our bankruptcy lawyer Robert W. Kovacs Jr. is top-rated by clients and peers alike, garnering a 10.0 Superb Avvo Rating due to his professionalism, dedication, and experience.

We are ready with the client-centered approach and efficient, successfully support you deserve. We understand that filing for bankruptcy is never an easy decision to make, but we can fully review your situation to help you make the right choice. Once we have discussed the available solutions with you, we can help you follow the right course of action for your unique circumstances, helping you move forward to a stronger financial future as rapidly as possible.

Contact our Worcester bankruptcy attorney for caring legal counsel on debt relief, bankruptcy, and foreclosure in Worcester, or the surrounding areas in Massachusetts.

Meet Attorney Robert W. Kovacs, Jr.

Helping You Get a Fresh Financial Start

Family Law Services

We're also available to help you and your family overcome complex legal cases. Our team has decades of experience navigating cases involving divorce, child custody, spousal support, and other family law matters.

When Should I Consider Bankruptcy?

If you are tired of dealing with harassing creditor calls and letters, and if you are worried about your family’s financial security, aspects of bankruptcy such as chapter 7 & 13 can give you the opportunity you need to get your financial affairs back in order. With a legal professional to help you avoid missteps and take full advantage of this debt relief, you may be able to quickly reach a fresh start and begin rebuilding your credit.

If any of these describe your circumstances, bankruptcy may be a powerful financial solution:

  • Facing foreclosure or eviction
  • Behind on mortgage payments
  • Behind on first and second mortgages
  • Using one credit card to pay another
  • Making minimum monthly payments
  • Maxed out on credit cards
  • Recently lost your job or had reduced hours

If you are worried about what might happen to your assets in bankruptcy, fear not. Most people can keep their homes, cars, and all their assets after bankruptcy. If debt collectors are creating increasing stress for you, filing for bankruptcy can immediately put a stop to their harassment. What bankruptcy can do is help you eliminate your burden of debt and move forward to a brighter, stress-free financial future.

Here are some of the benefits of bankruptcy in Massachusetts:

  • Stop foreclosure or eviction
  • Stop bill payments
  • Stop phone calls from creditors
  • Get your debt discharged
  • Lower you car payment
  • Protect your family's assets
  • Save / recover your car from repossession

Real Stories From Real People

Hear It Directly From Our Clients
  • “I would recommend him to anyone.”

    - Colin D.
  • “Extremely professional, supportive, and worked diligently!”

    - Christina P.
  • “Very professional and thorough!”

    - Michael K.

Learn What Bankruptcy Can Do For You

Frequently Asked Questions

What is bankruptcy?
Bankruptcy is a court process by which an individual or business seeks to discharge or re-organize their debt.

Why bankruptcy?
Bankruptcy provides a legal remedy to overwhelming debt. For individual debtors, bankruptcy can protect your assets, save your home from foreclosure, and is most often more affordable than debt settlement or negotiation.

Will filing for bankruptcy ruin my credit?
No. While bankruptcy will be a negative on your credit report, most people are surprised by how quickly their credit rebounds. Bankruptcy is not a bar from obtaining credit in the future, rather it will be one factor your bank uses to determine if they wish to extend you credit. Many debtors are able to get new credit cards and car loans within a month or two of filing for bankruptcy. It will likely take 1-3 years to get a new home mortgage after filing.

My house is in foreclosure. Would filing for bankruptcy help?
Yes, bankruptcy can stop foreclosure and eliminate second mortgages. If you are facing foreclosure, the longer you wait to address the situation the more difficult it becomes. As soon as you know you are having problems paying your mortgage, call Kovacs Law, P.C. for a free consultation.

Can creditors still contact me after I file for bankruptcy?
No. As soon as you file bankruptcy your creditors are stayed (legally barred) from contacting you. There will be no more harassing phone calls after your case is filed with the court.

How long will a bankruptcy stay on my credit report?
Chapter 7 bankruptcy will be listed on your credit report for 10 years and Chapter 13 will be listed for 6 years. However, having a bankruptcy listed on your credit report is not a bar from receiving new credit. Most debtors are able to obtain car loans and new credit cards in 1-2 months after filing bankruptcy.

What types of debts can be discharged through bankruptcy?
Most debts are discharged in bankruptcy. There are a few types of debts that do not get discharged, including most taxes, child support, alimony, and student loans.

If I file for bankruptcy does that mean my spouse has to file as well?
No. If you are married, you can either file as an individual or as a married couple. The advantages of filing as a married couple include saving money on legal fees, court filing fees, and counseling fees, as well as eliminating all the debt for your entire household rather than just one spouse. The advantages of filing as an individual include that the non-filing spouse's credit will not be negatively impacted.

Will I lose my house or my car?
You can keep your car, house, and all your assets in bankruptcy. In fact, many people who file bankruptcy do so to protect their home, car, and other assets from creditors.

Can bankruptcy protect me from wage garnishment?
Yes. If you are currently under a wage garnishment, fling bankruptcy will stop the garnishment as soon as the case is filed. If you are being threatened with a wage garnishment, bankruptcy will prevent your creditors from ever attaching your wages.

I have been sued over a debt. What should I do?
You may have legal defenses to the lawsuit, including laches and the statute of limitations. Additionally, you may have counter claims against the Plaintiff that entitle you to collect money damages. Bankruptcy may also be an alternative. Bankruptcy will stay or stop the lawsuit as soon as your bankruptcy case is filed.

Check Out Our Blog for More Frequently Asked Questions

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