Worcester Bankruptcy Attorney
Law Office of Robert W. Kovacs, Jr.
  • Home
  • Bankruptcy Law
  • Firm Profile
  • Practice Areas
  • FAQ
  • Videos
  • Testimonials
  • Contact Us
  • Call Today
  • Email Us
  • Our Map
  • Menu
Free Evaluation 508.645.4073
  • How Can Bankruptcy Help Me?

    You can eliminate your debt, put a stop to creditor harassment, and more.

    Learn About Bankruptcy
  • Common Bankruptcy Mistakes

    How you conduct yourself before bankruptcy can cause needless headaches.

    See What to Avoid
  • Schedule Your Appointment

    Discuss your debt relief options and a tailored strategy in your free consultation!

    Contact Us Today
  • Foreclosure

    Stopping Foreclosure

    How to stop foreclosures

Latest Blog Posts By Category

  • §362 - Click here to view all posts
    The latest posts for §362 are listed below.
    • Bankruptcy Can Stop Foreclosure Instantly
      Bankruptcy Can Stop Foreclosure Instantly Filing bankruptcy will instantly stop foreclosure on your home. With limited exception, when you file bankruptcy the automatic stay under section 362 of the ...
    • Making Monthly Payments During Bankruptcy
      Making Monthly Payments During Bankruptcy Automatic payments are a convenient way to pay your bills. An automatic payment is an arrangement for a specific amount of money to go from your bank account ...
    • "Chapter 11 Bankruptcy: A Primer"
      This article is care of the American Bar Association. For the full article please visit http://apps.americanbar.org/abapubs/design/smart/0811/11.html Chapter 11 Bankruptcy: A Primer By Christopher R. ...
    Bank - Click here to view all posts
    The latest posts for Bank are listed below.
    • I have Filed for Bankruptcy and my Bank has Asked me to Reaffirm my Car Loan.
      The goal for most individuals in bankruptcy is to receive a discharge of their debts. A discharge is a release of your legal obligation to repay your debt. With limited exception the discharge will ...
    Car Value - Click here to view all posts
    The latest posts for Car Value are listed below.
    • Keeping Your Vehicle During Chapter 13 Bankruptcy
      Keeping Your Vehicle During Chapter 13 Bankruptcy While some Massachusetts debtors are able to get by without a personal vehicle, having reliable transportation is necessary to most. Whether it is a ...
    • I am currently in a chapter 13 plan; Can I get a new car loan?
      Yes, you can but you will need permission of the Court. While you are in chapter 13 bankruptcy you are prohibited from incurring new debt without permission of the Court. This means no new credit ...
    Credit Card Regulations - Click here to view all posts
    The latest posts for Credit Card Regulations are listed below.
    • New Federal Agency Protects Massachusetts Consumers
      New Federal Agency Protects Massachusetts Consumers On July 21, 2011, the United States Consumer Financial Protection Bureau (CFPB) quietly opened its doors for business. Most Massachusetts residents ...
    • Education Helps Debtors After Bankruptcy
      Education Helps Debtors After Bankruptcy Since changes were made to the bankruptcy laws in 2005, all Massachusetts debtors are required to complete both a pre-bankruptcy credit counseling interview ...
    • How will bankruptcy shape my credit score?
      There is little doubt that bankruptcy will reflect negatively on your credit score. However, most people that are considering bankruptcy already have a poor credit score, because of missed payments, ...
    Credit Score - Click here to view all posts
    The latest posts for Credit Score are listed below.
    • Credit Card Debt After the Holidays: What Can I Do?
      According to Magnify Money, Americans tend to rack up about $1,054 in debt during the holiday season, but many people aren’t able to pay more than the minimum. With a 15% interest rate and a ...
    • Three Reasons Why You Need A Bankruptcy Lawyer
      As you think about bankruptcy, you may wonder if it is right for you. Rest assured you were not the only one who feels this way. Many people try every avenue possible before asking the court for ...
    • 3 Signs It's Time to Hire a Bankruptcy Lawyer
      3 Signs It's Time to Hire a Bankruptcy Lawyer Bankruptcy Lawyer For debt-ridden consumers, taking the first steps toward filing Chapter 7 or Chapter 13 bankruptcy is often the best way to get a ...
    Debt Collectors - Click here to view all posts
    The latest posts for Debt Collectors are listed below.
    • How Can a Debt Collector Contact You?
      A debt collector should never work to intentionally annoy or harass you. They are in the business of collecting a debt on behalf of a creditor you owe and failed to pay. However, they are ...
    • To Escape From Creditor Harassment
      If you’re suffering from constant creditor harassment because you’re behind on your debt, you may consider retaining a bankruptcy lawyer and filing for bankruptcy. While you have the ...
    • How a Bankruptcy Lawyer Can Help You Take Back Control of Your Financial Life
      Financial problems can affect each and every aspect of your life. If you feel like you are drowning in debt and collection calls, now is the time to do something about it if you want to reduce stress ...
    debt settlement - Click here to view all posts
    The latest posts for debt settlement are listed below.
    • What to do When Facing a Debt Collector in Court
      What to do When Facing a Debt Collector in Court Debt collectors buy "charged off" debts from credit card companies. They purchase huge amounts of consumer debts from MA residents and ...
    • When a Creditor Violates the Bankruptcy Discharge
      When a Creditor Violates the Bankruptcy Discharge Your bankruptcy discharge is a court ordered permanent injunction prohibiting certain creditors from taking collection action against you. A debt ...
    • Debt Collectors Must Obey The Law
      Debt Collectors Must Obey The Law The Washington Post recently reported that a Southern California debt collection firm has been shut down by the Federal Trade Commission for violating debtor ...
    Federal Law - Click here to view all posts
    The latest posts for Federal Law are listed below.
    • Discharge of Tax Debts when your return is filed late -- In re McCoy
      Discharge of Tax Debts when your return is filed late. Generally, income tax debts become dischargeable in bankruptcy if your tax has been past due for at least three years, the return was actually ...
    • Debt Collectors Must Obey The Law
      Debt Collectors Must Obey The Law The Washington Post recently reported that a Southern California debt collection firm has been shut down by the Federal Trade Commission for violating debtor ...
    • Can Bankruptcy Discharge Student Loans?
      Can Bankruptcy Discharge Student Loans? Discharging student loans through the Massachusetts bankruptcy court is extremely difficulty. Since 1978 Congress has increased restrictions on bankruptcy ...
    Lien Stripping - Click here to view all posts
    The latest posts for Lien Stripping are listed below.
    • Contested Lien Strip Victory - Second Mortgage Eliminated
      Contested Lien Strip Victory – Second Mortgage Eliminated Many people are unaware that in bankruptcy you may complete eliminate second mortgages and equity lines of credit on their home or ...
    • Eighth Circuit BAP Allows Strip Off of Wholly Unsecured Lien in Chapter 20
      Eighth Circuit BAP Allows Strip Off of Wholly Unsecured Lien in Chapter 20 The Eighth Circuit BAP found that a chapter 13 debtor may strip off a wholly unsecured lien on his principal residence even ...
    • Rental Property - Mortgage Cram Down - Reduce your principle balance on your mortgage loan
      Rental Property - Mortgage Cram Down - Reduce your principle balance on your mortgage loan In a chapter 11 or 13 bankruptcy you may be able to reduce the outstanding principle balance on your mortgage ...
    Luxury items - Click here to view all posts
    The latest posts for Luxury items are listed below.
    • Common Bankruptcy Mistake – Maxing out your Credit Cards before filing
      When contemplating filing bankruptcy, sometime individuals will max out their credit cards right before filing. This is a mistake, and could jeopardize your entire case. Some debts in bankruptcy are ...
    • What can I do if I charged too much on my credit cards during the holidays?
      If you can no longer meet your financial obligations bankruptcy may be able to relieve the stress related with too much debt. There are two concerns if you have recently charged a lot on your credit ...
    Middlesex County - Click here to view all posts
    The latest posts for Middlesex County are listed below.
    • Framingham Office Opening
      To better serve our clients from Framingham, Natick, and all of Middlesex County the Law Office of Robert W. Kovacs, Jr. is pleased to announce the opening of our Framingham Office. The address is: ...
    tax - Click here to view all posts
    The latest posts for tax are listed below.
    • Tax Masters -- $195 Million fraud judgment
      Tax Masters -- $195 Million fraud judgment Tax Masters, whom many people recognize because of their large national ad campaign, has been found to have committed fraud on their clients by a Texas jury. ...
    • Tax Masters -- $195 Million fraud judgment
      Tax Masters -- $195 Million fraud judgment Tax Masters, whom many people recognize because of their large national ad campaign, has been found to have committed fraud on their clients by a Texas jury. ...
    • Tax master's Files for Bankruptcy
      Tax master's Files for Bankruptcy Tax master's, a publically traded company, has recently filed for bankruptcy protection. Tax master's offers tax related services to individuals who have ...
    US Trustee - Click here to view all posts
    The latest posts for US Trustee are listed below.
    • Direct Air - Bankruptcy - Case Update
      Direct Air – Bankruptcy – Case Update Today, March 23, 2012, the United States Trustee ("UST"), filed a Motion seeking conversation of the case to one under Chapter 7 or ...
    • Bankruptcy's Means Test
      Bankruptcy's Means Test In 2005, Congress changed the Bankruptcy Code and added a means test to prevent wealthy debtors from filing Chapter 7 Bankruptcy. The means test is a calculation designed ...
    • "Chapter 11 Bankruptcy: A Primer"
      This article is care of the American Bar Association. For the full article please visit http://apps.americanbar.org/abapubs/design/smart/0811/11.html Chapter 11 Bankruptcy: A Primer By Christopher R. ...
    §525 - Click here to view all posts
    The latest posts for §525 are listed below.
    • Debtors are Protected from Discriminatory Treatment
      After filing for bankruptcy a debtor is protected from discriminatory treatment because of the bankruptcy filing. Section 525(b) of the Bankruptcy Code reads: “ (b) No private employer may terminate ...
    341 Meeting - Click here to view all posts
    The latest posts for 341 Meeting are listed below.
    • What to Expect at your 341 Meeting!
      What to Expect at your 341 Meeting! Anyone filing Bankruptcy must go through several steps including a 341 Meeting. The 341 meeting is held in front of a trustee and not a judge. The trustee will ...
    • Where is my § 341 meeting?
      Worcester: Worcester U.S. Trustee Office 446 Main Street, 1st Floor Worcester, MA 01608 Boston: J.W. McCormack Post Office & Court House 5 Post Office Square, Room 325 Boston, MA 02109
    • What is the §341 Meeting of Creditors?
      In all bankruptcy cases there will be a required meeting this is often called the “meeting of the creditors” or the “§341 meeting.” The Case Trustee will conduct the meeting. She represents the ...
    544 - Click here to view all posts
    The latest posts for 544 are listed below.
    • Transferring Property Before Bankruptcy Can Be A Bad Idea
      Transferring Property Before Bankruptcy Can Be A Bad Idea Modern bankruptcy laws permit debtors to keep certain property necessary to maintain a modest standard of living. These laws, called ...
    548 - Click here to view all posts
    The latest posts for 548 are listed below.
    • Transferring Property Before Bankruptcy Can Be A Bad Idea
      Transferring Property Before Bankruptcy Can Be A Bad Idea Modern bankruptcy laws permit debtors to keep certain property necessary to maintain a modest standard of living. These laws, called ...
    910 Day Rule - Click here to view all posts
    The latest posts for 910 Day Rule are listed below.
    • Keeping Your Vehicle During Chapter 13 Bankruptcy
      Keeping Your Vehicle During Chapter 13 Bankruptcy While some Massachusetts debtors are able to get by without a personal vehicle, having reliable transportation is necessary to most. Whether it is a ...
    • Top Five Bankruptcy Provisions
      Top Five Bankruptcy Provisions Many of my Worcester and Farmington bankruptcy clients report that filing bankruptcy was the best choice they ever made. The Bankruptcy Code provides powerful relief for ...
    a offer in compromise - Click here to view all posts
    The latest posts for a offer in compromise are listed below.
    • Tax Masters -- $195 Million fraud judgment
      Tax Masters -- $195 Million fraud judgment Tax Masters, whom many people recognize because of their large national ad campaign, has been found to have committed fraud on their clients by a Texas jury. ...
    • Tax Masters -- $195 Million fraud judgment
      Tax Masters -- $195 Million fraud judgment Tax Masters, whom many people recognize because of their large national ad campaign, has been found to have committed fraud on their clients by a Texas jury. ...
    • Discharge of Tax Debts when your return is filed late -- In re McCoy
      Discharge of Tax Debts when your return is filed late. Generally, income tax debts become dischargeable in bankruptcy if your tax has been past due for at least three years, the return was actually ...
    Adversarial Proceeding - Click here to view all posts
    The latest posts for Adversarial Proceeding are listed below.
    • What is an Adversary Complaint?
      What is an Adversary Complaint? Federal laws protect an individual from creditor harassment during a bankruptcy case. Sometimes disputes arise during the case and a creditor, the trustee, or the ...
    • "Chapter 11 Bankruptcy: A Primer"
      This article is care of the American Bar Association. For the full article please visit http://apps.americanbar.org/abapubs/design/smart/0811/11.html Chapter 11 Bankruptcy: A Primer By Christopher R. ...
    • Can Bankruptcy Discharge Student Loans?
      Can Bankruptcy Discharge Student Loans? Discharging student loans through the Massachusetts bankruptcy court is extremely difficulty. Since 1978 Congress has increased restrictions on bankruptcy ...
    After Bankruptcy - Click here to view all posts
    The latest posts for After Bankruptcy are listed below.
    • 3 Signs It's Time to Hire a Bankruptcy Lawyer
      3 Signs It's Time to Hire a Bankruptcy Lawyer Bankruptcy Lawyer For debt-ridden consumers, taking the first steps toward filing Chapter 7 or Chapter 13 bankruptcy is often the best way to get a ...
    • Bankruptcy Hand Out - Using Credit Wisely After Bankruptcy - from NCLC
      Bankruptcy Hand Out – Using Credit Wisely After Bankruptcy – from NCLC Please click below to read the National Consumer Law Center's article entitled Using Credit Wisely After ...
    • When a Creditor Violates the Bankruptcy Discharge
      When a Creditor Violates the Bankruptcy Discharge Your bankruptcy discharge is a court ordered permanent injunction prohibiting certain creditors from taking collection action against you. A debt ...
    Alimony - Click here to view all posts
    The latest posts for Alimony are listed below.
    • What is Discharge?
      The goal for most individuals in bankruptcy is to receive a discharge of their debts. A discharge is a release of your legal obligation to repay your debt. With limited exception the discharge will ...
    Amendment - Click here to view all posts
    The latest posts for Amendment are listed below.
    • I just filed for bankruptcy and forgot to tell my lawyer about a creditor
      It is often difficult to keep track of all your creditors. Making matters worse, often times debt collections agents and/or debt buyers make it confusing to understand who you owe. If, for some ...
    American Society of Legal Advocates - Click here to view all posts
    The latest posts for American Society of Legal Advocates are listed below.
    • Attorney Kovacs has been Selected as a top 40 litigator under 40 by the American Society of Legal Advocates.
      Attorney Kovacs has been Selected as a top 40 litigator under 40 by the American Society of Legal Advocates. You can read about it here ...
    AMICUS BRIEFS - Click here to view all posts
    The latest posts for AMICUS BRIEFS are listed below.
    • Recent Cases - Provided By the National Association of Consumer Bankruptcy Lawyers.
      Social Security Income Not Included in Projected Disposable Income In an important victory for debtors, the Tenth Circuit found that social security income is not included in the calculation of ...
    • Case Update from the National Association of Consumer Bankruptcy Lawyers
      The case updates below are provided by the National Association of Consumer Bankruptcy Lawyers. I am proudly a member! Please visit their website at www.NACBA.org. "No Lien Stripping under ...
    • National Associaiotn of Consumer Bankruptcy Attorney's - Case Update and Amicus
      National Associaiotn of Consumer Bankruptcy Attorney's – Case Update and Amicus Riverside Bankruptcy Court's Sua Sponte Dismissal Reversed The District Court for the Central District of ...
    Answers - Click here to view all posts
    The latest posts for Answers are listed below.
    • What is an Adversary Complaint?
      What is an Adversary Complaint? Federal laws protect an individual from creditor harassment during a bankruptcy case. Sometimes disputes arise during the case and a creditor, the trustee, or the ...
    • See what other people are asking and the answer I have on Avvo.com
    AP - Click here to view all posts
    The latest posts for AP are listed below.
    • What is an Adversary Complaint?
      What is an Adversary Complaint? Federal laws protect an individual from creditor harassment during a bankruptcy case. Sometimes disputes arise during the case and a creditor, the trustee, or the ...
    • "Chapter 11 Bankruptcy: A Primer"
      This article is care of the American Bar Association. For the full article please visit http://apps.americanbar.org/abapubs/design/smart/0811/11.html Chapter 11 Bankruptcy: A Primer By Christopher R. ...
    • Can Bankruptcy Discharge Student Loans?
      Can Bankruptcy Discharge Student Loans? Discharging student loans through the Massachusetts bankruptcy court is extremely difficulty. Since 1978 Congress has increased restrictions on bankruptcy ...
    Asset Protection - Click here to view all posts
    The latest posts for Asset Protection are listed below.
    • How to Keep Your Home and Car While in Bankruptcy
      Sometimes people can find debt overwhelming, especially since the costs of many essential items have been affected by years of inflation. For example, in the 1950s, the average family income was ...
    • Bankruptcy Lawyer Takes a By-the-Numbers Look at Chapter 7 and 13 Bankruptcy
      Bankruptcy Lawyer Takes a By-the-Numbers Look at Chapter 7 and 13 Bankruptcy Bankruptcy Lawyer Most individuals looking for debt relief through bankruptcy file under either Chapter 7 or Chapter 13. ...
    • 3 Signs It's Time to Hire a Bankruptcy Lawyer
      3 Signs It's Time to Hire a Bankruptcy Lawyer Bankruptcy Lawyer For debt-ridden consumers, taking the first steps toward filing Chapter 7 or Chapter 13 bankruptcy is often the best way to get a ...
    Assets - Click here to view all posts
    The latest posts for Assets are listed below.
    • Bankruptcy Lawyer Takes a By-the-Numbers Look at Chapter 7 and 13 Bankruptcy
      Bankruptcy Lawyer Takes a By-the-Numbers Look at Chapter 7 and 13 Bankruptcy Bankruptcy Lawyer Most individuals looking for debt relief through bankruptcy file under either Chapter 7 or Chapter 13. ...
    • What is an Adversary Complaint?
      What is an Adversary Complaint? Federal laws protect an individual from creditor harassment during a bankruptcy case. Sometimes disputes arise during the case and a creditor, the trustee, or the ...
    • Video explanation of the current credit crisis.
      Video explanation of the current credit crisis. Please click the link below for a video explaining the current credit crisis. http://jonathanjarvis.com/crisis-of-credit
    Attorney General Regulations - Click here to view all posts
    The latest posts for Attorney General Regulations are listed below.
    • Massachusetts Attorney General Regulations on Debt Collection - complete and full regulations
      7.01: Purpose of Regulations The purpose of 940 CMR 7.00 is to establish standards, by defining unfair or deceptive acts or practices, for the collection of debts from persons within the Commonwealth ...
    Automatic Stay - Click here to view all posts
    The latest posts for Automatic Stay are listed below.
    • Notable Case - Recent Decision In Re: Mayberry
      Notable Case – Recent Decision In Re: Mayberry In 2011 a client came to me to help save her home from foreclosure. This client has limited income and was struggling to survive. A chapter 13 ...
    • Bankruptcy Can Stop Foreclosure Instantly
      Bankruptcy Can Stop Foreclosure Instantly Filing bankruptcy will instantly stop foreclosure on your home. With limited exception, when you file bankruptcy the automatic stay under section 362 of the ...
    • Bankruptcy Hand Out - Your Rights During Bankruptcy - from NCLC
      Bankruptcy Hand Out – Your Rights During Bankruptcy – from NCLC Please click below to read the National Consumer Law Center's article Your Rights During Bankruptcy. Your Rights During ...
    Avoidable Preference - Click here to view all posts
    The latest posts for Avoidable Preference are listed below.
    • What is an Adversary Complaint?
      What is an Adversary Complaint? Federal laws protect an individual from creditor harassment during a bankruptcy case. Sometimes disputes arise during the case and a creditor, the trustee, or the ...
    • Can I Keep A Credit Card If I File Bankruptcy?
      Can I Keep A Credit Card If I File Bankruptcy? Many Massachusetts bankruptcy debtors need a credit card for work. Whether it is necessary for business purchases or travel, it is common for clients to ...
    • Transferring Property Before Bankruptcy Can Be A Bad Idea
      Transferring Property Before Bankruptcy Can Be A Bad Idea Modern bankruptcy laws permit debtors to keep certain property necessary to maintain a modest standard of living. These laws, called ...
    Avvo - Click here to view all posts
    The latest posts for Avvo are listed below.
    • See what other people are asking and the answer I have on Avvo.com
    bank - Click here to view all posts
    The latest posts for bank are listed below.
    • HAMP Loan Modification Changes – Modification can NOT be denied because of active bankruptcy
      Starting today, June 1, 2010, HAMP Home Loan Modifications cannot be denied because you are in an active chapter 7 or 13 bankruptcy. This is significant for many consumers. Many consumers facing ...
    • I stopped paying my credit card bill. What is going to happen?
      When you stop paying your credit card bill the bank will want to find a way to get you to start paying again. The first step will likely be making phone calls and sending letters. If that does not ...
    • New Credit Card Regulations – Opt in for Over Draft Fees
      As you may have heard there are several new credit card regulations. One such regulation prohibits banks from charging over draft fees unless you “opt in.” If you chose not to “opt in” to the service ...
    Bank Accounts - Click here to view all posts
    The latest posts for Bank Accounts are listed below.
    • New Credit Card Regulations – Opt in for Over Draft Fees
      As you may have heard there are several new credit card regulations. One such regulation prohibits banks from charging over draft fees unless you “opt in.” If you chose not to “opt in” to the service ...
    Bank Fees - Click here to view all posts
    The latest posts for Bank Fees are listed below.
    • New Credit Card Regulations – Opt in for Over Draft Fees
      As you may have heard there are several new credit card regulations. One such regulation prohibits banks from charging over draft fees unless you “opt in.” If you chose not to “opt in” to the service ...
    Bankruptcy - Click here to view all posts
    The latest posts for Bankruptcy are listed below.
    • Raising Your Credit Score After Bankruptcy
      When you make the decision to file for bankruptcy, it can give you a fresh start by eliminating most of your existing debt. Bankruptcy protection can help to stabilize your life, and can also help you ...
    • How Can I Prevent Foreclosure On My Home?
      At Law Office of Robert W. Kovacs, Jr., we are committed to helping clients in Worcester get through their bankruptcy cases and avoid foreclosure. Foreclosure arises when a homeowner is no longer able ...
    • Can I Keep My Tax Refund When I File Bankruptcy?
      We all look forward to getting that big tax refund check each year, but what if you are still trying to get your bankruptcy case filed? In this blog, we explain what happens to your tax refund during ...
    Bankruptcy Code - Click here to view all posts
    The latest posts for Bankruptcy Code are listed below.
    • Our Bankruptcy Lawyer Discusses Debtor Education Requirements in Massachusetts
      Our Bankruptcy Lawyer Discusses Debtor Education Requirements in Massachusetts Bankruptcy Lawyer When Congress passed the Bankruptcy Abuse Prevention and Consumer Protection Act in 2005, it required ...
    • Bankruptcy Lawyer Takes a By-the-Numbers Look at Chapter 7 and 13 Bankruptcy
      Bankruptcy Lawyer Takes a By-the-Numbers Look at Chapter 7 and 13 Bankruptcy Bankruptcy Lawyer Most individuals looking for debt relief through bankruptcy file under either Chapter 7 or Chapter 13. ...
    • Our Bankruptcy Lawyer Explains How to Qualify for Chapter 7 in Massachusetts
      Our Bankruptcy Lawyer Explains How to Qualify for Chapter 7 in Massachusetts Bankruptcy Lawyer Chapter 7 bankruptcy may be an option for you if you have overwhelming debt and an inadequate income to ...
    Bankruptcy Counseling - Click here to view all posts
    The latest posts for Bankruptcy Counseling are listed below.
    • Our Bankruptcy Lawyer Discusses Debtor Education Requirements in Massachusetts
      Our Bankruptcy Lawyer Discusses Debtor Education Requirements in Massachusetts Bankruptcy Lawyer When Congress passed the Bankruptcy Abuse Prevention and Consumer Protection Act in 2005, it required ...
    • Our Bankruptcy Lawyer Explains How to Qualify for Chapter 7 in Massachusetts
      Our Bankruptcy Lawyer Explains How to Qualify for Chapter 7 in Massachusetts Bankruptcy Lawyer Chapter 7 bankruptcy may be an option for you if you have overwhelming debt and an inadequate income to ...
    • Filing for Chapter 13 Bankruptcy Can Stop Foreclosure
      Filing for Chapter 13 Bankruptcy Can Stop Foreclosure If you are facing foreclosure, you will want to explore all the options available to you to keep your home. Some financial solutions might include ...
    Bankruptcy Mistakes - Click here to view all posts
    The latest posts for Bankruptcy Mistakes are listed below.
    • 3 Signs It's Time to Hire a Bankruptcy Lawyer
      3 Signs It's Time to Hire a Bankruptcy Lawyer Bankruptcy Lawyer For debt-ridden consumers, taking the first steps toward filing Chapter 7 or Chapter 13 bankruptcy is often the best way to get a ...
    • Common Bankruptcy Question - I am planning on Filing Bankruptcy, Can I stop paying my monthly bill.
      Common Bankruptcy Question – I am planning on Filing Bankruptcy, Can I stop paying my monthly bill. Yes, but be careful. First off, if you are planning on filing bankruptcy you MUST stop using ...
    • Bankruptcy Hand Out - Your Rights During Bankruptcy - from NCLC
      Bankruptcy Hand Out – Your Rights During Bankruptcy – from NCLC Please click below to read the National Consumer Law Center's article Your Rights During Bankruptcy. Your Rights During ...
    Bankruptcy Plan - Click here to view all posts
    The latest posts for Bankruptcy Plan are listed below.
    • Should I File Bankruptcy or Divorce First?
      Unfortunately, many couples choose to divorce because of financial problems. Moreover, even when money is not the central issue, a divorce can cause financial turmoil. Therefore, it is smart to start ...
    • Bankruptcy Relief for Credit Card Usage over the Holidays
      Over the holidays, gift-giving abounds. From family and friends and even to coworkers and parties, the gift recipient list seems to grow each year. With the pressure to give nice things, get nice ...
    • Can a Creditor Collect After Bankruptcy Discharges?
      One of the many common questions asked by clients is, "Can a creditor continue to collect a debt after a successful bankruptcy ?" It is not unheard of for a person to receive collection ...
    Business Bankruptcy - Click here to view all posts
    The latest posts for Business Bankruptcy are listed below.
    • Business Bankruptcy and the Possible Complications
      Business Bankruptcy and the Possible Complications Business Bankruptcy Please note the below information is on business bankruptcy. Personal bankruptcy and individuals that are self-employed will ...
    • Small Business Bankruptcy: Why Choosing Chapter Options to Pay Back Debt Is Beneficial
      Small Business Bankruptcy: Why Choosing Chapter Options to Pay Back Debt Is Beneficial Some form of small business bankruptcy may be necessary if your business is having debt problems that you ...
    • Businesses Can Survive After A Bankruptcy
      Businesses Can Survive After A Bankruptcy Business Bankruptcy Bankruptcy law benefits both individuals and businesses in financial hardship. Learning how to not mix personal and business finances is ...
    cable Television - Click here to view all posts
    The latest posts for cable Television are listed below.
    • Your electricity, gas, or other public utility will NOT be shut off if you file bankruptcy
      If you file for bankruptcy and are behind on a public utility bill then you can discharge the arrearage and not lose service. What happens is the amount you are behind will be discharged in your ...
    Car Loan - Click here to view all posts
    The latest posts for Car Loan are listed below.
    • The Positives of Bankruptcy!
      The Positives of Bankruptcy! Massachusetts residents who use the bankruptcy laws most successfully are generally those with the best attitudes and the proper perspectives. As one writer asked, ...
    • Keeping Your Vehicle During Chapter 13 Bankruptcy
      Keeping Your Vehicle During Chapter 13 Bankruptcy While some Massachusetts debtors are able to get by without a personal vehicle, having reliable transportation is necessary to most. Whether it is a ...
    • Top Five Bankruptcy Provisions
      Top Five Bankruptcy Provisions Many of my Worcester and Farmington bankruptcy clients report that filing bankruptcy was the best choice they ever made. The Bankruptcy Code provides powerful relief for ...
    Car Loans - Click here to view all posts
    The latest posts for Car Loans are listed below.
    • The Positives of Bankruptcy!
      The Positives of Bankruptcy! Massachusetts residents who use the bankruptcy laws most successfully are generally those with the best attitudes and the proper perspectives. As one writer asked, ...
    • Keeping Your Vehicle During Chapter 13 Bankruptcy
      Keeping Your Vehicle During Chapter 13 Bankruptcy While some Massachusetts debtors are able to get by without a personal vehicle, having reliable transportation is necessary to most. Whether it is a ...
    • Top Five Bankruptcy Provisions
      Top Five Bankruptcy Provisions Many of my Worcester and Farmington bankruptcy clients report that filing bankruptcy was the best choice they ever made. The Bankruptcy Code provides powerful relief for ...
    Case Law Update - Click here to view all posts
    The latest posts for Case Law Update are listed below.
    • Stripping second mortgages if you have previously filed chapter 7
      Stripping second mortgages if you have previously filed chapter 7 The Fourth Circuit Court of appeals recently ruled that a debtor can strip a second mortgage in chapter 13 even if the debtor has ...
    • Notable Case - Recent Decision In Re: Mayberry
      Notable Case – Recent Decision In Re: Mayberry In 2011 a client came to me to help save her home from foreclosure. This client has limited income and was struggling to survive. A chapter 13 ...
    • In re Hoey, 2012 Bankr. LEXIS 5803 (Bankr. D. Mass. Dec. 18, 2012)
      In re Hoey, 2012 Bankr. LEXIS 5803 (Bankr. D. Mass. Dec. 18, 2012) Recently Judge Hillman, of the Boston Bankruptcy Court, found that a creditor cannot file a late objection to a bankruptcy plan prior ...
    Case Trustee - Click here to view all posts
    The latest posts for Case Trustee are listed below.
    • When Does My Bankruptcy Case End?
      When Does My Bankruptcy Case End? "When does my bankruptcy case end?" may sound like a simple question, but the answer can be very confusing. There are several different milestones that ...
    • Chapter 7 Debtors Should Beware Hoggish Behavior
      Chapter 7 Debtors Should Beware Hoggish Behavior There is an old saying among Massachusetts bankruptcy attorneys, "Pigs get fat and hogs get slaughtered." Bankruptcy attorneys know that the ...
    • "Chapter 11 Bankruptcy: A Primer"
      This article is care of the American Bar Association. For the full article please visit http://apps.americanbar.org/abapubs/design/smart/0811/11.html Chapter 11 Bankruptcy: A Primer By Christopher R. ...
    cell phone - Click here to view all posts
    The latest posts for cell phone are listed below.
    • When Can I Stop Paying Credit Cards?
      When Can I Stop Paying Credit Cards? Many of my Massachusetts bankruptcy clients ask, "When can I stop paying on my credit cards?" The answer seems obvious: "immediately." If you ...
    • Your electricity, gas, or other public utility will NOT be shut off if you file bankruptcy
      If you file for bankruptcy and are behind on a public utility bill then you can discharge the arrearage and not lose service. What happens is the amount you are behind will be discharged in your ...
    CFPB - Click here to view all posts
    The latest posts for CFPB are listed below.
    • New Federal Agency Protects Massachusetts Consumers
      New Federal Agency Protects Massachusetts Consumers On July 21, 2011, the United States Consumer Financial Protection Bureau (CFPB) quietly opened its doors for business. Most Massachusetts residents ...
    Chapter 11 - Click here to view all posts
    The latest posts for Chapter 11 are listed below.
    • Elizabeth D. Katz Appointed to Springfield Bankruptcy Court
      According to a press release released on December 8 th, 2016, Chief Judge Jeffrey R. Howard of the 1 st U.S. Circuit Court of Appeals has chosen Elizabeth D. Katz to fill the vacancy in United States ...
    • Business Bankruptcy and the Possible Complications
      Business Bankruptcy and the Possible Complications Business Bankruptcy Please note the below information is on business bankruptcy. Personal bankruptcy and individuals that are self-employed will ...
    • Small Business Bankruptcy: Why Choosing Chapter Options to Pay Back Debt Is Beneficial
      Small Business Bankruptcy: Why Choosing Chapter Options to Pay Back Debt Is Beneficial Some form of small business bankruptcy may be necessary if your business is having debt problems that you ...
    Chapter 12 - Click here to view all posts
    The latest posts for Chapter 12 are listed below.
    • Small Business Bankruptcy: Why Choosing Chapter Options to Pay Back Debt Is Beneficial
      Small Business Bankruptcy: Why Choosing Chapter Options to Pay Back Debt Is Beneficial Some form of small business bankruptcy may be necessary if your business is having debt problems that you ...
    • What is an Adversary Complaint?
      What is an Adversary Complaint? Federal laws protect an individual from creditor harassment during a bankruptcy case. Sometimes disputes arise during the case and a creditor, the trustee, or the ...
    • Contested Lien Strip Victory - Second Mortgage Eliminated
      Contested Lien Strip Victory – Second Mortgage Eliminated Many people are unaware that in bankruptcy you may complete eliminate second mortgages and equity lines of credit on their home or ...
    Chapter 13 - Click here to view all posts
    The latest posts for Chapter 13 are listed below.
    • An Experienced Bankruptcy Lawyer Explains Chapter 13 Bankruptcy
      There are two types of bankruptcy that most individuals file for -- Chapter 13 and Chapter 7. Chapter 7 is for those who don’t have much of an income. Chapter 13 is known as the “wage ...
    • Foreclosure: How You Can Save Your Home in Chapter 13 Bankruptcy
      Are you experiencing some serious financial struggles? Are you concerned about losing your home? There are options available not only to help you save your home from repossession, but also to help you ...
    • Chapter 13 Plan: How Does It Work?
      Bankruptcy is a government-provided means of eliminating debts that you cannot repay in order to get a fresh start, but there are different types of consumer bankruptcy. Chapter 13 ...
    Chapter 13 Bankruptcy - Click here to view all posts
    The latest posts for Chapter 13 Bankruptcy are listed below.
    • Elizabeth D. Katz Appointed to Springfield Bankruptcy Court
      According to a press release released on December 8 th, 2016, Chief Judge Jeffrey R. Howard of the 1 st U.S. Circuit Court of Appeals has chosen Elizabeth D. Katz to fill the vacancy in United States ...
    • Using Chapter 13 bankruptcy to stop foreclosure and pay priority debts
      When people are overwhelmed by their debts, bankruptcy may be a good option. Most individual debtors file for bankruptcy under either Chapter 7 or Chapter 13 of the Bankruptcy Code. Chapter 7 is known ...
    • Chapter 13 Bankruptcy
      Bankruptcy is a process designed to allow an individual who has accumulated far more debt than they can hope to repay a method to resolve their debt, reset their finances, and start over with a clean ...
    chapter 13 plan - Click here to view all posts
    The latest posts for chapter 13 plan are listed below.
    • Bankruptcy as an Option for Credit Card Debt Relief
      Bankruptcy as an Option for Credit Card Debt Relief Consumers typically go out of their way to avoid getting in trouble financially. Unfortunately, sometimes factors beyond their control create a ...
    • The Top Myths about Personal Bankruptcy
      The Top Myths about Personal Bankruptcy Personal Bankruptcy Personal bankruptcy is something most people try to avoid, but there comes a time when you don't have a choice but to file. In ...
    • Filing for Chapter 13 Bankruptcy Can Stop Foreclosure
      Filing for Chapter 13 Bankruptcy Can Stop Foreclosure If you are facing foreclosure, you will want to explore all the options available to you to keep your home. Some financial solutions might include ...
    Chapter 7 - Click here to view all posts
    The latest posts for Chapter 7 are listed below.
    • Elizabeth D. Katz Appointed to Springfield Bankruptcy Court
      According to a press release released on December 8 th, 2016, Chief Judge Jeffrey R. Howard of the 1 st U.S. Circuit Court of Appeals has chosen Elizabeth D. Katz to fill the vacancy in United States ...
    • Chapter 7 Bankruptcy
      Bankruptcy is a process by which an honest debtor who has accumulated debt far beyond their means to repay can resolve their debt and get a fresh start. The decision to file bankruptcy is never an ...
    • Our Bankruptcy Lawyer Explains How to Qualify for Chapter 7 in Massachusetts
      Our Bankruptcy Lawyer Explains How to Qualify for Chapter 7 in Massachusetts Bankruptcy Lawyer Chapter 7 bankruptcy may be an option for you if you have overwhelming debt and an inadequate income to ...
    Checking Accounts - Click here to view all posts
    The latest posts for Checking Accounts are listed below.
    • When Can I Stop Paying Credit Cards?
      When Can I Stop Paying Credit Cards? Many of my Massachusetts bankruptcy clients ask, "When can I stop paying on my credit cards?" The answer seems obvious: "immediately." If you ...
    Child Support - Click here to view all posts
    The latest posts for Child Support are listed below.
    • A Bankruptcy Lawyer Discusses Chapter 7 Bankruptcy
      A Bankruptcy Lawyer Discusses Chapter 7 Bankruptcy Bankruptcy Lawyer Being in debt can be overwhelming. If this applies to you, consider filing for bankruptcy. There are two primary types of ...
    • What is an Adversary Complaint?
      What is an Adversary Complaint? Federal laws protect an individual from creditor harassment during a bankruptcy case. Sometimes disputes arise during the case and a creditor, the trustee, or the ...
    • How Bankruptcy Empowers
      How Bankruptcy Empowers Many Massachusetts residents struggling with debt also feel powerless. Collection agents are skilled at making you feel stressed and hopeless through embarrassing phone calls ...
    Consumer Financial Protection Bureau - Click here to view all posts
    The latest posts for Consumer Financial Protection Bureau are listed below.
    • New Federal Agency Protects Massachusetts Consumers
      New Federal Agency Protects Massachusetts Consumers On July 21, 2011, the United States Consumer Financial Protection Bureau (CFPB) quietly opened its doors for business. Most Massachusetts residents ...
    contract breach, - Click here to view all posts
    The latest posts for contract breach, are listed below.
    • Direct Air - Bankruptcy - I have tickets and do not know what to do
      Direct Air – Bankruptcy – I have tickets and do not know what to do My family and I, like many of you are proud to be from Worcester. I have long attempted to spend my dollars at local ...
    Counseling - Click here to view all posts
    The latest posts for Counseling are listed below.
    • Education Helps Debtors After Bankruptcy
      Education Helps Debtors After Bankruptcy Since changes were made to the bankruptcy laws in 2005, all Massachusetts debtors are required to complete both a pre-bankruptcy credit counseling interview ...
    • Pre-Bankruptcy Credit Counseling Requirement
      Pre-Bankruptcy Credit Counseling Requirement Massachusetts bankruptcy filers are required receive credit counseling from an approved agency within 180 days before the bankruptcy filing date. This ...
    • What is Bankruptcy Counseling? Pre-Discharge Education
      Individual debtors filing bankruptcy are required to complete both pre and post discharge counseling courses. Pre-filing counseling or “Credit Counseling” must be completed before the filing of ...
    Court - Click here to view all posts
    The latest posts for Court are listed below.
    • Southern Sky Air & Tours, LLC d/b/a Direct Air filed for bankruptcy today
      Southern Sky Air & Tours, LLC d/b/a Direct Air filed for bankruptcy today Today, March 16, 2012 Direct Air, filed for chapter 11 bankruptcy protection in the United States Bankruptcy Court, ...
    • Piccadilly Pub - Bankruptcy
      Piccadilly Pub – Bankruptcy Over the last few days there have been several stories in the Worcester Telegram and Gazette concerning the Piccadilly Pub restaurant. The Pic had filed for ...
    • What is an Adversary Complaint?
      What is an Adversary Complaint? Federal laws protect an individual from creditor harassment during a bankruptcy case. Sometimes disputes arise during the case and a creditor, the trustee, or the ...
    Court House - Click here to view all posts
    The latest posts for Court House are listed below.
    • Elizabeth D. Katz Appointed to Springfield Bankruptcy Court
      According to a press release released on December 8 th, 2016, Chief Judge Jeffrey R. Howard of the 1 st U.S. Circuit Court of Appeals has chosen Elizabeth D. Katz to fill the vacancy in United States ...
    • Southern Sky Air & Tours, LLC d/b/a Direct Air filed for bankruptcy today
      Southern Sky Air & Tours, LLC d/b/a Direct Air filed for bankruptcy today Today, March 16, 2012 Direct Air, filed for chapter 11 bankruptcy protection in the United States Bankruptcy Court, ...
    Cram Down - Click here to view all posts
    The latest posts for Cram Down are listed below.
    • Contested Lien Strip Victory - Second Mortgage Eliminated
      Contested Lien Strip Victory – Second Mortgage Eliminated Many people are unaware that in bankruptcy you may complete eliminate second mortgages and equity lines of credit on their home or ...
    • FHFA Director Praises Principal Paydown Plan as "Promising" and "Credible"Pledges to Provide Members an Assessment in Two Weeks
      Dear NACBA Member, I am pleased to report that NACBA’s “principal paydown plan,” designed to help struggling homeowners in chapter 13 save their homes from foreclosure, is now under ...
    • "Support growing among policymakers for NACBA's Principal Paydown Plan"
      Dear NACBA Member: On Wednesday, we wrote to bring you up-to-date on activities of NACBA’s Legislative Committee in support of the Principal Paydown Plan (PPP). Just as that email went out, we ...
    Credit - Click here to view all posts
    The latest posts for Credit are listed below.
    • Raising Your Credit Score After Bankruptcy
      When you make the decision to file for bankruptcy, it can give you a fresh start by eliminating most of your existing debt. Bankruptcy protection can help to stabilize your life, and can also help you ...
    • A Bankruptcy Lawyer Discusses Chapter 7 Bankruptcy
      A Bankruptcy Lawyer Discusses Chapter 7 Bankruptcy Bankruptcy Lawyer Being in debt can be overwhelming. If this applies to you, consider filing for bankruptcy. There are two primary types of ...
    • The Top Myths about Personal Bankruptcy
      The Top Myths about Personal Bankruptcy Personal Bankruptcy Personal bankruptcy is something most people try to avoid, but there comes a time when you don't have a choice but to file. In ...
    credit cards - Click here to view all posts
    The latest posts for credit cards are listed below.
    • A Bankruptcy Lawyer Discusses Chapter 7 Bankruptcy
      A Bankruptcy Lawyer Discusses Chapter 7 Bankruptcy Bankruptcy Lawyer Being in debt can be overwhelming. If this applies to you, consider filing for bankruptcy. There are two primary types of ...
    • Bankruptcy as an Option for Credit Card Debt Relief
      Bankruptcy as an Option for Credit Card Debt Relief Consumers typically go out of their way to avoid getting in trouble financially. Unfortunately, sometimes factors beyond their control create a ...
    • The Top Myths about Personal Bankruptcy
      The Top Myths about Personal Bankruptcy Personal Bankruptcy Personal bankruptcy is something most people try to avoid, but there comes a time when you don't have a choice but to file. In ...
    Credit Counseling - Click here to view all posts
    The latest posts for Credit Counseling are listed below.
    • A Bankruptcy Lawyer Discusses Chapter 7 Bankruptcy
      A Bankruptcy Lawyer Discusses Chapter 7 Bankruptcy Bankruptcy Lawyer Being in debt can be overwhelming. If this applies to you, consider filing for bankruptcy. There are two primary types of ...
    • The Top Myths about Personal Bankruptcy
      The Top Myths about Personal Bankruptcy Personal Bankruptcy Personal bankruptcy is something most people try to avoid, but there comes a time when you don't have a choice but to file. In ...
    • Education Helps Debtors After Bankruptcy
      Education Helps Debtors After Bankruptcy Since changes were made to the bankruptcy laws in 2005, all Massachusetts debtors are required to complete both a pre-bankruptcy credit counseling interview ...
    credit crisis - Click here to view all posts
    The latest posts for credit crisis are listed below.
    • Video explanation of the current credit crisis.
      Video explanation of the current credit crisis. Please click the link below for a video explaining the current credit crisis. http://jonathanjarvis.com/crisis-of-credit
    Credit Report - Click here to view all posts
    The latest posts for Credit Report are listed below.
    • A Bankruptcy Lawyer Discusses Chapter 7 Bankruptcy
      A Bankruptcy Lawyer Discusses Chapter 7 Bankruptcy Bankruptcy Lawyer Being in debt can be overwhelming. If this applies to you, consider filing for bankruptcy. There are two primary types of ...
    • The Top Myths about Personal Bankruptcy
      The Top Myths about Personal Bankruptcy Personal Bankruptcy Personal bankruptcy is something most people try to avoid, but there comes a time when you don't have a choice but to file. In ...
    • Tips for Getting through Personal Bankruptcy
      Tips for Getting through Personal Bankruptcy Personal Bankruptcy Bankruptcy is a scary word for many people. In fact, the stigmas that are often associated with bankruptcy often prevent people who ...
    Credit Reports - Click here to view all posts
    The latest posts for Credit Reports are listed below.
    • The Top Myths about Personal Bankruptcy
      The Top Myths about Personal Bankruptcy Personal Bankruptcy Personal bankruptcy is something most people try to avoid, but there comes a time when you don't have a choice but to file. In ...
    • Tips for Getting through Personal Bankruptcy
      Tips for Getting through Personal Bankruptcy Personal Bankruptcy Bankruptcy is a scary word for many people. In fact, the stigmas that are often associated with bankruptcy often prevent people who ...
    • Bankruptcy Hand Out - Using Credit Wisely After Bankruptcy - from NCLC
      Bankruptcy Hand Out – Using Credit Wisely After Bankruptcy – from NCLC Please click below to read the National Consumer Law Center's article entitled Using Credit Wisely After ...
    Credit Score - Click here to view all posts
    The latest posts for Credit Score are listed below.
    • Raising Your Credit Score After Bankruptcy
      When you make the decision to file for bankruptcy, it can give you a fresh start by eliminating most of your existing debt. Bankruptcy protection can help to stabilize your life, and can also help you ...
    • A Bankruptcy Lawyer Discusses Chapter 7 Bankruptcy
      A Bankruptcy Lawyer Discusses Chapter 7 Bankruptcy Bankruptcy Lawyer Being in debt can be overwhelming. If this applies to you, consider filing for bankruptcy. There are two primary types of ...
    • Bankruptcy as an Option for Credit Card Debt Relief
      Bankruptcy as an Option for Credit Card Debt Relief Consumers typically go out of their way to avoid getting in trouble financially. Unfortunately, sometimes factors beyond their control create a ...
    Creditors - Click here to view all posts
    The latest posts for Creditors are listed below.
    • To Escape From Creditor Harassment
      If you’re suffering from constant creditor harassment because you’re behind on your debt, you may consider retaining a bankruptcy lawyer and filing for bankruptcy. While you have the ...
    • Bankruptcy as an Option for Credit Card Debt Relief
      Bankruptcy as an Option for Credit Card Debt Relief Consumers typically go out of their way to avoid getting in trouble financially. Unfortunately, sometimes factors beyond their control create a ...
    • Southern Sky Air & Tours, LLC d/b/a Direct Air filed for bankruptcy today
      Southern Sky Air & Tours, LLC d/b/a Direct Air filed for bankruptcy today Today, March 16, 2012 Direct Air, filed for chapter 11 bankruptcy protection in the United States Bankruptcy Court, ...
    damages - Click here to view all posts
    The latest posts for damages are listed below.
    • Direct Air - Bankruptcy - I have tickets and do not know what to do
      Direct Air – Bankruptcy – I have tickets and do not know what to do My family and I, like many of you are proud to be from Worcester. I have long attempted to spend my dollars at local ...
    Debt - Click here to view all posts
    The latest posts for Debt are listed below.
    • Debt Discharge
      Regardless of what type of bankruptcy you decide to pursue, your ultimate goal is to achieve what is known as debt discharge. Discharge is often the beginning of your new financial future free of your ...
    • Bankruptcy as an Option for Credit Card Debt Relief
      Bankruptcy as an Option for Credit Card Debt Relief Consumers typically go out of their way to avoid getting in trouble financially. Unfortunately, sometimes factors beyond their control create a ...
    • Can I Keep my Tax Refund?
      Can I Keep my Tax Refund? A common question this time of year for individuals considering bankruptcy is: Can I keep my tax refund? Yes you can. All cases are different and do need an individual legal ...
    Debt Buyers - Click here to view all posts
    The latest posts for Debt Buyers are listed below.
    • What to do When Facing a Debt Collector in Court
      What to do When Facing a Debt Collector in Court Debt collectors buy "charged off" debts from credit card companies. They purchase huge amounts of consumer debts from MA residents and ...
    • Massachusetts Attorney General Regulations on Debt Collection - complete and full regulations
      7.01: Purpose of Regulations The purpose of 940 CMR 7.00 is to establish standards, by defining unfair or deceptive acts or practices, for the collection of debts from persons within the Commonwealth ...
    • Top Five Bankruptcy Provisions
      Top Five Bankruptcy Provisions Many of my Worcester and Farmington bankruptcy clients report that filing bankruptcy was the best choice they ever made. The Bankruptcy Code provides powerful relief for ...
    Debtor - Click here to view all posts
    The latest posts for Debtor are listed below.
    • Bankruptcy as an Option for Credit Card Debt Relief
      Bankruptcy as an Option for Credit Card Debt Relief Consumers typically go out of their way to avoid getting in trouble financially. Unfortunately, sometimes factors beyond their control create a ...
    • Recent Bankruptcy Cases from the National Association of Consumer Bankruptcy Attorneys
      Recent Bankruptcy Cases from the National Association of Consumer Bankruptcy Attorneys Debtors have been the beneficiaries of some significant appellate decisions in recent weeks, with NACBA and NCBRC ...
    • Southern Sky Air & Tours, LLC d/b/a Direct Air filed for bankruptcy today
      Southern Sky Air & Tours, LLC d/b/a Direct Air filed for bankruptcy today Today, March 16, 2012 Direct Air, filed for chapter 11 bankruptcy protection in the United States Bankruptcy Court, ...
    Debtor’s Education - Click here to view all posts
    The latest posts for Debtor’s Education are listed below.
    • A Bankruptcy Lawyer Discusses Chapter 7 Bankruptcy
      A Bankruptcy Lawyer Discusses Chapter 7 Bankruptcy Bankruptcy Lawyer Being in debt can be overwhelming. If this applies to you, consider filing for bankruptcy. There are two primary types of ...
    • What is Bankruptcy Counseling? Pre-Discharge Education
      Individual debtors filing bankruptcy are required to complete both pre and post discharge counseling courses. Pre-filing counseling or “Credit Counseling” must be completed before the filing of ...
    Department of Justice - Click here to view all posts
    The latest posts for Department of Justice are listed below.
    • Direct Air - Bankruptcy - Case Update
      Direct Air – Bankruptcy – Case Update Today, March 23, 2012, the United States Trustee ("UST"), filed a Motion seeking conversation of the case to one under Chapter 7 or ...
    • "Chapter 11 Bankruptcy: A Primer"
      This article is care of the American Bar Association. For the full article please visit http://apps.americanbar.org/abapubs/design/smart/0811/11.html Chapter 11 Bankruptcy: A Primer By Christopher R. ...
    • Education Helps Debtors After Bankruptcy
      Education Helps Debtors After Bankruptcy Since changes were made to the bankruptcy laws in 2005, all Massachusetts debtors are required to complete both a pre-bankruptcy credit counseling interview ...
    Direct Air - Click here to view all posts
    The latest posts for Direct Air are listed below.
    • Direct Air Bankruptcy - Case Update
      Direct Air Bankruptcy – Case Update Today, April 11, 2012, the bankruptcy court order Direct Air's chapter 11 bankruptcy converted to one under chapter 7. In chapter 7 a case trustee will be ...
    • Direct Air - Bankruptcy - Case Update
      Direct Air – Bankruptcy – Case Update Today, March 23, 2012, the United States Trustee ("UST"), filed a Motion seeking conversation of the case to one under Chapter 7 or ...
    • Direct Air - Bankruptcy - I have tickets and do not know what to do
      Direct Air – Bankruptcy – I have tickets and do not know what to do My family and I, like many of you are proud to be from Worcester. I have long attempted to spend my dollars at local ...
    Discharge - Click here to view all posts
    The latest posts for Discharge are listed below.
    • A Bankruptcy Lawyer Discusses Chapter 7 Bankruptcy
      A Bankruptcy Lawyer Discusses Chapter 7 Bankruptcy Bankruptcy Lawyer Being in debt can be overwhelming. If this applies to you, consider filing for bankruptcy. There are two primary types of ...
    • Our Bankruptcy Lawyer Explains the Rules Regarding Tax Debt
      Our Bankruptcy Lawyer Explains the Rules Regarding Tax Debt Bankruptcy Lawyer One of the persistent myths about Chapter 7 bankruptcy is that no debt owed to the Internal Revenue Service (IRS) is ...
    • Bankruptcy as an Option for Credit Card Debt Relief
      Bankruptcy as an Option for Credit Card Debt Relief Consumers typically go out of their way to avoid getting in trouble financially. Unfortunately, sometimes factors beyond their control create a ...
    Discriminatory Treatment - Click here to view all posts
    The latest posts for Discriminatory Treatment are listed below.
    • Debtors are Protected from Discriminatory Treatment
      After filing for bankruptcy a debtor is protected from discriminatory treatment because of the bankruptcy filing. Section 525(b) of the Bankruptcy Code reads: “ (b) No private employer may terminate ...
    dismissal - Click here to view all posts
    The latest posts for dismissal are listed below.
    • Ways of Tackling Tax Debt
      Ways of Tackling Tax Debt Tax debt is a common problem people struggle with, and it creates a stressful situation, as the IRS is relentless about going after you if you owe money on taxes. If ...
    • Notable Case - Recent Decision In Re: Mayberry
      Notable Case – Recent Decision In Re: Mayberry In 2011 a client came to me to help save her home from foreclosure. This client has limited income and was struggling to survive. A chapter 13 ...
    • When Does My Bankruptcy Case End?
      When Does My Bankruptcy Case End? "When does my bankruptcy case end?" may sound like a simple question, but the answer can be very confusing. There are several different milestones that ...
    DOR - Click here to view all posts
    The latest posts for DOR are listed below.
    • Discharge of Tax Debts when your return is filed late -- In re McCoy
      Discharge of Tax Debts when your return is filed late. Generally, income tax debts become dischargeable in bankruptcy if your tax has been past due for at least three years, the return was actually ...
    • If you owe the IRS or DOR filing bankruptcy will put you in an interest free payment plan
      If you owe the IRS or the Massachusetts Department of Revenue (“DOR”) back taxes then filing bankruptcy may help. Filing bankruptcy under chapter 13 or 11 will put you into an interest free repayment ...
    Employment - Click here to view all posts
    The latest posts for Employment are listed below.
    • You can still file chapter 13 bankruptcy while on un-employment
      Chapter 13 bankruptcy is often called a payment plan. In chapter 13 bankruptcy the debtor will make a monthly payment for either 3 or 5 years. The amount of the payment is reasonable based on the ...
    • Debtors are Protected from Discriminatory Treatment
      After filing for bankruptcy a debtor is protected from discriminatory treatment because of the bankruptcy filing. Section 525(b) of the Bankruptcy Code reads: “ (b) No private employer may terminate ...
    exemption planning - Click here to view all posts
    The latest posts for exemption planning are listed below.
    • How EBay Can Help Your Bankruptcy
      How EBay Can Help Your Bankruptcy EBay is an online auction website where people and businesses buy and sell goods. You probably already know that. What you may not know is how EBay can help you ...
    • If you file Bankruptcy you can keep your tax return
      For most debtors filing under chapter 7, 11, 12, or 13 you are able to keep your tax return without surrendering it over to the case trustee or the estate. In bankruptcy you are able to exempt certain ...
    • Common Bankruptcy Mistake – Transferring an asset out of your name
      In order to protect an asset a person thinking about filing bankruptcy may transfer an asset out of her name and into the name of another. This can include a home, vacation home, car, boat, plan, ...
    Exemptions - Click here to view all posts
    The latest posts for Exemptions are listed below.
    • Bankruptcy Lawyer Takes a By-the-Numbers Look at Chapter 7 and 13 Bankruptcy
      Bankruptcy Lawyer Takes a By-the-Numbers Look at Chapter 7 and 13 Bankruptcy Bankruptcy Lawyer Most individuals looking for debt relief through bankruptcy file under either Chapter 7 or Chapter 13. ...
    • Can I Keep my Tax Refund?
      Can I Keep my Tax Refund? A common question this time of year for individuals considering bankruptcy is: Can I keep my tax refund? Yes you can. All cases are different and do need an individual legal ...
    • Proposed Changes to the Massachusetts Homestead Law
      Proposed Changes to the Massachusetts Homestead Law The Commonwealth is considering a bill so that individuals will be able to enjoy the certain protections of a homestead without having to record any ...
    Face Book Page - Click here to view all posts
    The latest posts for Face Book Page are listed below.
    • Follow us on our new Face book Page!!!!
    Fair Debtor Collection Practices Act - Click here to view all posts
    The latest posts for Fair Debtor Collection Practices Act are listed below.
    • Tax master's Files for Bankruptcy
      Tax master's Files for Bankruptcy Tax master's, a publically traded company, has recently filed for bankruptcy protection. Tax master's offers tax related services to individuals who have ...
    • Massachusetts Attorney General Regulations on Debt Collection - complete and full regulations
      7.01: Purpose of Regulations The purpose of 940 CMR 7.00 is to establish standards, by defining unfair or deceptive acts or practices, for the collection of debts from persons within the Commonwealth ...
    • Debt Collectors Must Obey The Law
      Debt Collectors Must Obey The Law The Washington Post recently reported that a Southern California debt collection firm has been shut down by the Federal Trade Commission for violating debtor ...
    FDCPA - Click here to view all posts
    The latest posts for FDCPA are listed below.
    • Tax master's Files for Bankruptcy
      Tax master's Files for Bankruptcy Tax master's, a publically traded company, has recently filed for bankruptcy protection. Tax master's offers tax related services to individuals who have ...
    • Massachusetts Attorney General Regulations on Debt Collection - complete and full regulations
      7.01: Purpose of Regulations The purpose of 940 CMR 7.00 is to establish standards, by defining unfair or deceptive acts or practices, for the collection of debts from persons within the Commonwealth ...
    • Debt Collectors Must Obey The Law
      Debt Collectors Must Obey The Law The Washington Post recently reported that a Southern California debt collection firm has been shut down by the Federal Trade Commission for violating debtor ...
    Fees - Click here to view all posts
    The latest posts for Fees are listed below.
    • Tax master's Files for Bankruptcy
      Tax master's Files for Bankruptcy Tax master's, a publically traded company, has recently filed for bankruptcy protection. Tax master's offers tax related services to individuals who have ...
    • Stop Foreclose - Fees for Chapter 13 Bankruptcy
      Stop Foreclose – Fees for Chapter 13 Bankruptcy Filing of a bankruptcy petition will instantly stop the foreclosure on your home. Often we are asked, how much is the fee? The standard pre-filing ...
    • No hidden fees - Here is our fee schedule for Simple Chapter 7 Bankruptcy Cases in Worcester County
      No hidden fees – Here is our fee schedule for Simple Chapter 7 Bankruptcy Cases in Worcester County It should be noted that all cases are different and several factors can increase or decrease ...
    Financial Management Course - Click here to view all posts
    The latest posts for Financial Management Course are listed below.
    • Education Helps Debtors After Bankruptcy
      Education Helps Debtors After Bankruptcy Since changes were made to the bankruptcy laws in 2005, all Massachusetts debtors are required to complete both a pre-bankruptcy credit counseling interview ...
    • What is Bankruptcy Counseling? Pre-Discharge Education
      Individual debtors filing bankruptcy are required to complete both pre and post discharge counseling courses. Pre-filing counseling or “Credit Counseling” must be completed before the filing of ...
    Firm News - Click here to view all posts
    The latest posts for Firm News are listed below.
    • Staying Informed: Attending the 2016 NACBA Convention
      Earlier this month, our lead attorney attended the 2016 National Association of Consumer Bankruptcy Attorneys (NACBA) convention in San Francisco. Attendees of this annual conference are treated to ...
    Foreclosure - Click here to view all posts
    The latest posts for Foreclosure are listed below.
    • How Can I Prevent Foreclosure On My Home?
      At Law Office of Robert W. Kovacs, Jr., we are committed to helping clients in Worcester get through their bankruptcy cases and avoid foreclosure. Foreclosure arises when a homeowner is no longer able ...
    • Foreclosure: How You Can Save Your Home in Chapter 13 Bankruptcy
      Are you experiencing some serious financial struggles? Are you concerned about losing your home? There are options available not only to help you save your home from repossession, but also to help you ...
    • Bankruptcy Lawyer Takes a By-the-Numbers Look at Chapter 7 and 13 Bankruptcy
      Bankruptcy Lawyer Takes a By-the-Numbers Look at Chapter 7 and 13 Bankruptcy Bankruptcy Lawyer Most individuals looking for debt relief through bankruptcy file under either Chapter 7 or Chapter 13. ...
    Framingham - Click here to view all posts
    The latest posts for Framingham are listed below.
    • Framingham Office Opening
      To better serve our clients from Framingham, Natick, and all of Middlesex County the Law Office of Robert W. Kovacs, Jr. is pleased to announce the opening of our Framingham Office. The address is: ...
    Fraud - Click here to view all posts
    The latest posts for Fraud are listed below.
    • Tax Masters -- $195 Million fraud judgment
      Tax Masters -- $195 Million fraud judgment Tax Masters, whom many people recognize because of their large national ad campaign, has been found to have committed fraud on their clients by a Texas jury. ...
    • Tax Masters -- $195 Million fraud judgment
      Tax Masters -- $195 Million fraud judgment Tax Masters, whom many people recognize because of their large national ad campaign, has been found to have committed fraud on their clients by a Texas jury. ...
    • National Association of Consumer Bankruptcy Attorneys - Sen. Leahy Introduces Bill To Fight Creditor Fraud In Bankruptcy Courts
      Dear NACBA Member: As many of you know, NACBA has been pressuring the UST to go after mortgage Proof of Claim abuses for years now and late last Fall had a very productive conversation with the ...
    FTCA - Click here to view all posts
    The latest posts for FTCA are listed below.
    • Debt Collectors Must Obey The Law
      Debt Collectors Must Obey The Law The Washington Post recently reported that a Southern California debt collection firm has been shut down by the Federal Trade Commission for violating debtor ...
    Gross Income - Click here to view all posts
    The latest posts for Gross Income are listed below.
    • Are debts discharged in bankruptcy taxable?
      Are debts discharged in bankruptcy taxable? No. As in you can see from our last blog post, "Gross Income Defined" almost everything is taxable "expect as otherwise provided." The ...
    • Gross Income Defined:
      Gross Income Defined: Gross Income is Defined by the IRC §61 as "Expect as otherwise provided in this subtitle, gross income means all income from whatever source derived, including (but not ...
    HAMP - Click here to view all posts
    The latest posts for HAMP are listed below.
    • Loan Modification Tips from our Legal Assistant Lynn Conway
      Home Mortgage Modifications can be a huge asset to homeowners that have fallen behind on their mortgage. Applying can be very frustrating but with determination and perseverance a home owner can save ...
    • FHFA Director Praises Principal Paydown Plan as "Promising" and "Credible"Pledges to Provide Members an Assessment in Two Weeks
      Dear NACBA Member, I am pleased to report that NACBA’s “principal paydown plan,” designed to help struggling homeowners in chapter 13 save their homes from foreclosure, is now under ...
    • Homeowners Need Help -- from the New York Times
      Homeowners Need Help Neither Congress, nor federal regulators, nor state or federal prosecutors have yet to conduct a thorough investigation into the mortgage bubble and financial bust. We welcomed ...
    Happy Holidays - Click here to view all posts
    The latest posts for Happy Holidays are listed below.
    • July 4th Weekend Hours
      July 4 th Weekend Hours The Office will be closed on Friday July 1, 2011 through Monday July 4, 2011. Normal office hours will resume on July 5, 2011. Have a great holiday.
    • Happy Holidays
      I hope everyone has a great and safe memorial day! Please take a moment to think of all our soldiers.
    • Happy Mother’s Day!!!!
      Happy Mother's Day!!!!
    Home - Click here to view all posts
    The latest posts for Home are listed below.
    • Bankruptcy Lawyer Takes a By-the-Numbers Look at Chapter 7 and 13 Bankruptcy
      Bankruptcy Lawyer Takes a By-the-Numbers Look at Chapter 7 and 13 Bankruptcy Bankruptcy Lawyer Most individuals looking for debt relief through bankruptcy file under either Chapter 7 or Chapter 13. ...
    • Filing for Chapter 13 Bankruptcy Can Stop Foreclosure
      Filing for Chapter 13 Bankruptcy Can Stop Foreclosure If you are facing foreclosure, you will want to explore all the options available to you to keep your home. Some financial solutions might include ...
    • Loan Modification Tips from our Legal Assistant Lynn Conway
      Home Mortgage Modifications can be a huge asset to homeowners that have fallen behind on their mortgage. Applying can be very frustrating but with determination and perseverance a home owner can save ...
    Home Loan - Click here to view all posts
    The latest posts for Home Loan are listed below.
    • Bankruptcy Lawyer Takes a By-the-Numbers Look at Chapter 7 and 13 Bankruptcy
      Bankruptcy Lawyer Takes a By-the-Numbers Look at Chapter 7 and 13 Bankruptcy Bankruptcy Lawyer Most individuals looking for debt relief through bankruptcy file under either Chapter 7 or Chapter 13. ...
    • Filing for Chapter 13 Bankruptcy Can Stop Foreclosure
      Filing for Chapter 13 Bankruptcy Can Stop Foreclosure If you are facing foreclosure, you will want to explore all the options available to you to keep your home. Some financial solutions might include ...
    • Loan Modification Tips from our Legal Assistant Lynn Conway
      Home Mortgage Modifications can be a huge asset to homeowners that have fallen behind on their mortgage. Applying can be very frustrating but with determination and perseverance a home owner can save ...
    Home Values - Click here to view all posts
    The latest posts for Home Values are listed below.
    • Bankruptcy Lawyer Takes a By-the-Numbers Look at Chapter 7 and 13 Bankruptcy
      Bankruptcy Lawyer Takes a By-the-Numbers Look at Chapter 7 and 13 Bankruptcy Bankruptcy Lawyer Most individuals looking for debt relief through bankruptcy file under either Chapter 7 or Chapter 13. ...
    • Video explanation of the current credit crisis.
      Video explanation of the current credit crisis. Please click the link below for a video explaining the current credit crisis. http://jonathanjarvis.com/crisis-of-credit
    • FHFA Director Praises Principal Paydown Plan as "Promising" and "Credible"Pledges to Provide Members an Assessment in Two Weeks
      Dear NACBA Member, I am pleased to report that NACBA’s “principal paydown plan,” designed to help struggling homeowners in chapter 13 save their homes from foreclosure, is now under ...
    Homestead - Click here to view all posts
    The latest posts for Homestead are listed below.
    • Bankruptcy Lawyer Takes a By-the-Numbers Look at Chapter 7 and 13 Bankruptcy
      Bankruptcy Lawyer Takes a By-the-Numbers Look at Chapter 7 and 13 Bankruptcy Bankruptcy Lawyer Most individuals looking for debt relief through bankruptcy file under either Chapter 7 or Chapter 13. ...
    • FHFA Director Praises Principal Paydown Plan as "Promising" and "Credible"Pledges to Provide Members an Assessment in Two Weeks
      Dear NACBA Member, I am pleased to report that NACBA’s “principal paydown plan,” designed to help struggling homeowners in chapter 13 save their homes from foreclosure, is now under ...
    • Eighth Circuit BAP Allows Strip Off of Wholly Unsecured Lien in Chapter 20
      Eighth Circuit BAP Allows Strip Off of Wholly Unsecured Lien in Chapter 20 The Eighth Circuit BAP found that a chapter 13 debtor may strip off a wholly unsecured lien on his principal residence even ...
    HUD - Click here to view all posts
    The latest posts for HUD are listed below.
    • HAMP Loan Modification Changes – Modification can NOT be denied because of active bankruptcy
      Starting today, June 1, 2010, HAMP Home Loan Modifications cannot be denied because you are in an active chapter 7 or 13 bankruptcy. This is significant for many consumers. Many consumers facing ...
    • "Beware of Foreclosure Rescue Scams - Help Is Free!"
      When looking for home loan help, please know that help from the Department of Housing and Urban Development is free. Below are some of the warning signs that HUD has put together: " Beware of ...
    • Home Loan Modification and Bankruptcy
      If you are struggling with your home payments you may be able to get a bank approved home loan modification. The government program is run through the Department of Housing and Urban Development. HUD ...
    Income Tax - Click here to view all posts
    The latest posts for Income Tax are listed below.
    • Tax Masters -- $195 Million fraud judgment
      Tax Masters -- $195 Million fraud judgment Tax Masters, whom many people recognize because of their large national ad campaign, has been found to have committed fraud on their clients by a Texas jury. ...
    • Tax Masters -- $195 Million fraud judgment
      Tax Masters -- $195 Million fraud judgment Tax Masters, whom many people recognize because of their large national ad campaign, has been found to have committed fraud on their clients by a Texas jury. ...
    • Tax master's Files for Bankruptcy
      Tax master's Files for Bankruptcy Tax master's, a publically traded company, has recently filed for bankruptcy protection. Tax master's offers tax related services to individuals who have ...
    Incurring new debt - Click here to view all posts
    The latest posts for Incurring new debt are listed below.
    • Limit Credit Card Use Before Bankruptcy
      Limit Credit Card Use Before Bankruptcy The federal bankruptcy laws are very forgiving and will protect the honest, but unfortunate debtor. One of the main aims of bankruptcy is to give the debtor a ...
    • Common Bankruptcy Mistake – Maxing out your Credit Cards before filing
      When contemplating filing bankruptcy, sometime individuals will max out their credit cards right before filing. This is a mistake, and could jeopardize your entire case. Some debts in bankruptcy are ...
    • I am currently in a chapter 13 plan; Can I get a new car loan?
      Yes, you can but you will need permission of the Court. While you are in chapter 13 bankruptcy you are prohibited from incurring new debt without permission of the Court. This means no new credit ...
    Individual Bankruptcy - Click here to view all posts
    The latest posts for Individual Bankruptcy are listed below.
    • Can I Keep my Tax Refund?
      Can I Keep my Tax Refund? A common question this time of year for individuals considering bankruptcy is: Can I keep my tax refund? Yes you can. All cases are different and do need an individual legal ...
    • Discharge of Tax Debts when your return is filed late -- In re McCoy
      Discharge of Tax Debts when your return is filed late. Generally, income tax debts become dischargeable in bankruptcy if your tax has been past due for at least three years, the return was actually ...
    • Video explanation of the current credit crisis.
      Video explanation of the current credit crisis. Please click the link below for a video explaining the current credit crisis. http://jonathanjarvis.com/crisis-of-credit
    Insolvency - Click here to view all posts
    The latest posts for Insolvency are listed below.
    • Involuntary Bankruptcy: Information You Need to Know
      Involuntary Bankruptcy: Information You Need to Know Bankruptcy Lawyer Bankruptcy is a personal choice for individuals. Involuntary bankruptcy is a forced decision to file bankruptcy by creditors. It ...
    • Piccadilly Pub - Bankruptcy
      Piccadilly Pub – Bankruptcy Over the last few days there have been several stories in the Worcester Telegram and Gazette concerning the Piccadilly Pub restaurant. The Pic had filed for ...
    • "Chapter 11 Bankruptcy: A Primer"
      This article is care of the American Bar Association. For the full article please visit http://apps.americanbar.org/abapubs/design/smart/0811/11.html Chapter 11 Bankruptcy: A Primer By Christopher R. ...
    intent to repay - Click here to view all posts
    The latest posts for intent to repay are listed below.
    • Limit Credit Card Use Before Bankruptcy
      Limit Credit Card Use Before Bankruptcy The federal bankruptcy laws are very forgiving and will protect the honest, but unfortunate debtor. One of the main aims of bankruptcy is to give the debtor a ...
    • Common Bankruptcy Mistake – Maxing out your Credit Cards before filing
      When contemplating filing bankruptcy, sometime individuals will max out their credit cards right before filing. This is a mistake, and could jeopardize your entire case. Some debts in bankruptcy are ...
    IRS - Click here to view all posts
    The latest posts for IRS are listed below.
    • Bankruptcy Lawyer Takes a By-the-Numbers Look at Chapter 7 and 13 Bankruptcy
      Bankruptcy Lawyer Takes a By-the-Numbers Look at Chapter 7 and 13 Bankruptcy Bankruptcy Lawyer Most individuals looking for debt relief through bankruptcy file under either Chapter 7 or Chapter 13. ...
    • Tax Masters -- $195 Million fraud judgment
      Tax Masters -- $195 Million fraud judgment Tax Masters, whom many people recognize because of their large national ad campaign, has been found to have committed fraud on their clients by a Texas jury. ...
    • Tax Masters -- $195 Million fraud judgment
      Tax Masters -- $195 Million fraud judgment Tax Masters, whom many people recognize because of their large national ad campaign, has been found to have committed fraud on their clients by a Texas jury. ...
    Joint Bankruptcy - Click here to view all posts
    The latest posts for Joint Bankruptcy are listed below.
    • Top Five Bankruptcy Provisions
      Top Five Bankruptcy Provisions Many of my Worcester and Farmington bankruptcy clients report that filing bankruptcy was the best choice they ever made. The Bankruptcy Code provides powerful relief for ...
    Judge - Click here to view all posts
    The latest posts for Judge are listed below.
    • Elizabeth D. Katz Appointed to Springfield Bankruptcy Court
      According to a press release released on December 8 th, 2016, Chief Judge Jeffrey R. Howard of the 1 st U.S. Circuit Court of Appeals has chosen Elizabeth D. Katz to fill the vacancy in United States ...
    • In re Hoey, 2012 Bankr. LEXIS 5803 (Bankr. D. Mass. Dec. 18, 2012)
      In re Hoey, 2012 Bankr. LEXIS 5803 (Bankr. D. Mass. Dec. 18, 2012) Recently Judge Hillman, of the Boston Bankruptcy Court, found that a creditor cannot file a late objection to a bankruptcy plan prior ...
    • Piccadilly Pub - Bankruptcy
      Piccadilly Pub – Bankruptcy Over the last few days there have been several stories in the Worcester Telegram and Gazette concerning the Piccadilly Pub restaurant. The Pic had filed for ...
    Judge Boroff - Click here to view all posts
    The latest posts for Judge Boroff are listed below.
    • Piccadilly Pub - Bankruptcy
      Piccadilly Pub – Bankruptcy Over the last few days there have been several stories in the Worcester Telegram and Gazette concerning the Piccadilly Pub restaurant. The Pic had filed for ...
    Judicial Lien - Click here to view all posts
    The latest posts for Judicial Lien are listed below.
    • What is Discharge?
      The goal for most individuals in bankruptcy is to receive a discharge of their debts. A discharge is a release of your legal obligation to repay your debt. With limited exception the discharge will ...
    Lien Stripping - Click here to view all posts
    The latest posts for Lien Stripping are listed below.
    • Rental Property - Mortgage Cram Down - Reduce your principle balance on your mortgage loan
      Rental Property - Mortgage Cram Down - Reduce your principle balance on your mortgage loan In a chapter 11 or 13 bankruptcy you may be able to reduce the outstanding principle balance on your mortgage ...
    • Top Five Bankruptcy Provisions
      Top Five Bankruptcy Provisions Many of my Worcester and Farmington bankruptcy clients report that filing bankruptcy was the best choice they ever made. The Bankruptcy Code provides powerful relief for ...
    • You can file bankruptcy and keep your home
      If you file bankruptcy you will keep your home; unless you want to surrender it to the bank. In order to keep your home you will need to at a minimum be able to make the current monthly payment on the ...
    Loan Modification - Click here to view all posts
    The latest posts for Loan Modification are listed below.
    • Homeowners Need Help -- from the New York Times
      Homeowners Need Help Neither Congress, nor federal regulators, nor state or federal prosecutors have yet to conduct a thorough investigation into the mortgage bubble and financial bust. We welcomed ...
    • Bankruptcy Can Provide Leverage to Underwater Homeowners
      Bankruptcy Can Provide Leverage to Underwater Homeowners The Washington Post recently reported that the Obama administration is not planning another large federally funded program to relieving the ...
    • Rental Property - Mortgage Cram Down - Reduce your principle balance on your mortgage loan
      Rental Property - Mortgage Cram Down - Reduce your principle balance on your mortgage loan In a chapter 11 or 13 bankruptcy you may be able to reduce the outstanding principle balance on your mortgage ...
    loan repayment - Click here to view all posts
    The latest posts for loan repayment are listed below.
    • Homeowners Need Help -- from the New York Times
      Homeowners Need Help Neither Congress, nor federal regulators, nor state or federal prosecutors have yet to conduct a thorough investigation into the mortgage bubble and financial bust. We welcomed ...
    • Picking and Choosing Debts to Discharge
      Picking and Choosing Debts to Discharge There are many myths circulating regarding bankruptcy in Massachusetts. One of the most popular myths is that a bankruptcy debtor can pick and choose which ...
    • HAMP Loan Modification Changes – Modification can NOT be denied because of active bankruptcy
      Starting today, June 1, 2010, HAMP Home Loan Modifications cannot be denied because you are in an active chapter 7 or 13 bankruptcy. This is significant for many consumers. Many consumers facing ...
    Loans - Click here to view all posts
    The latest posts for Loans are listed below.
    • Homeowners Need Help -- from the New York Times
      Homeowners Need Help Neither Congress, nor federal regulators, nor state or federal prosecutors have yet to conduct a thorough investigation into the mortgage bubble and financial bust. We welcomed ...
    • Picking and Choosing Debts to Discharge
      Picking and Choosing Debts to Discharge There are many myths circulating regarding bankruptcy in Massachusetts. One of the most popular myths is that a bankruptcy debtor can pick and choose which ...
    • HAMP Loan Modification Changes – Modification can NOT be denied because of active bankruptcy
      Starting today, June 1, 2010, HAMP Home Loan Modifications cannot be denied because you are in an active chapter 7 or 13 bankruptcy. This is significant for many consumers. Many consumers facing ...
    luxury items - Click here to view all posts
    The latest posts for luxury items are listed below.
    • Common Bankruptcy Mistake – Maxing out your Credit Cards before filing
      When contemplating filing bankruptcy, sometime individuals will max out their credit cards right before filing. This is a mistake, and could jeopardize your entire case. Some debts in bankruptcy are ...
    Making Homes Affordable - Click here to view all posts
    The latest posts for Making Homes Affordable are listed below.
    • Homeowners Need Help -- from the New York Times
      Homeowners Need Help Neither Congress, nor federal regulators, nor state or federal prosecutors have yet to conduct a thorough investigation into the mortgage bubble and financial bust. We welcomed ...
    • Bankruptcy Can Provide Leverage to Underwater Homeowners
      Bankruptcy Can Provide Leverage to Underwater Homeowners The Washington Post recently reported that the Obama administration is not planning another large federally funded program to relieving the ...
    • Rental Property - Mortgage Cram Down - Reduce your principle balance on your mortgage loan
      Rental Property - Mortgage Cram Down - Reduce your principle balance on your mortgage loan In a chapter 11 or 13 bankruptcy you may be able to reduce the outstanding principle balance on your mortgage ...
    maxed out cards - Click here to view all posts
    The latest posts for maxed out cards are listed below.
    • Common Bankruptcy Mistake – Maxing out your Credit Cards before filing
      When contemplating filing bankruptcy, sometime individuals will max out their credit cards right before filing. This is a mistake, and could jeopardize your entire case. Some debts in bankruptcy are ...
    Means Test - Click here to view all posts
    The latest posts for Means Test are listed below.
    • Chapter 7 Bankruptcy and the Means Test
      Before you can file for a Chapter 7 bankruptcy, you have to determine your financial eligibility on the means test. The purpose of the means test is to determine if you have enough income to pay back ...
    • Self Employed Individuals Use Net income not Gross income on form 22C, Means Test
      Self Employed Individuals Use Net income not Gross income on form 22C, Means Test The US Bankruptcy Court for the District Court of Puerto Rico recently ruled in In Re: Roman (2011 Bankr. Lexis 4483) ...
    Meeting of Creditors - Click here to view all posts
    The latest posts for Meeting of Creditors are listed below.
    • Top Five Bankruptcy Provisions
      Top Five Bankruptcy Provisions Many of my Worcester and Farmington bankruptcy clients report that filing bankruptcy was the best choice they ever made. The Bankruptcy Code provides powerful relief for ...
    • What is Bankruptcy Counseling? Pre-Discharge Education
      Individual debtors filing bankruptcy are required to complete both pre and post discharge counseling courses. Pre-filing counseling or “Credit Counseling” must be completed before the filing of ...
    • What is the §341 Meeting of Creditors?
      In all bankruptcy cases there will be a required meeting this is often called the “meeting of the creditors” or the “§341 meeting.” The Case Trustee will conduct the meeting. She represents the ...
    Mortgage - Click here to view all posts
    The latest posts for Mortgage are listed below.
    • Filing for Chapter 13 Bankruptcy Can Stop Foreclosure
      Filing for Chapter 13 Bankruptcy Can Stop Foreclosure If you are facing foreclosure, you will want to explore all the options available to you to keep your home. Some financial solutions might include ...
    • Stripping second mortgages if you have previously filed chapter 7
      Stripping second mortgages if you have previously filed chapter 7 The Fourth Circuit Court of appeals recently ruled that a debtor can strip a second mortgage in chapter 13 even if the debtor has ...
    • Loan Modification Tips from our Legal Assistant Lynn Conway
      Home Mortgage Modifications can be a huge asset to homeowners that have fallen behind on their mortgage. Applying can be very frustrating but with determination and perseverance a home owner can save ...
    my personal bankruptcy story - Click here to view all posts
    The latest posts for my personal bankruptcy story are listed below.
    • I've been there too - my personal bankruptcy story
      I've been there too – my personal bankruptcy story Clients often share their personal financial struggles with me during a free consultation. I want to take a moment and share my story with ...
    NACBA - Click here to view all posts
    The latest posts for NACBA are listed below.
    • Recent Case Decisions - from the National Association of Consumer Bankruptcy Lawyers
      "Social Security Income Not Included in Projected Disposable Income In two important victories for debtors, the Fifth and Tenth Circuits have found that social security income is not included in ...
    • Recent Cases - Provided By the National Association of Consumer Bankruptcy Lawyers.
      Social Security Income Not Included in Projected Disposable Income In an important victory for debtors, the Tenth Circuit found that social security income is not included in the calculation of ...
    • "Two important wins for NCBRC and NACBA"
      "The last few days have seen two important appellate decisions where the National Consumer Bankruptcy Rights Center (NCBRC) represented NACBA as an amicus curiae. These decisions reinforce the ...
    Natick - Click here to view all posts
    The latest posts for Natick are listed below.
    • Framingham Office Opening
      To better serve our clients from Framingham, Natick, and all of Middlesex County the Law Office of Robert W. Kovacs, Jr. is pleased to announce the opening of our Framingham Office. The address is: ...
    National Grid - Click here to view all posts
    The latest posts for National Grid are listed below.
    • Your electricity, gas, or other public utility will NOT be shut off if you file bankruptcy
      If you file for bankruptcy and are behind on a public utility bill then you can discharge the arrearage and not lose service. What happens is the amount you are behind will be discharged in your ...
    NCLC - Click here to view all posts
    The latest posts for NCLC are listed below.
    • Bankruptcy Hand Out - Your Rights During Bankruptcy - from NCLC
      Bankruptcy Hand Out – Your Rights During Bankruptcy – from NCLC Please click below to read the National Consumer Law Center's article Your Rights During Bankruptcy. Your Rights During ...
    • Bankruptcy Hand Out - Using Credit Wisely After Bankruptcy - from NCLC
      Bankruptcy Hand Out – Using Credit Wisely After Bankruptcy – from NCLC Please click below to read the National Consumer Law Center's article entitled Using Credit Wisely After ...
    • Bankruptcy Hand Out - Common Bankruptcy Questions - from NCLC
      Bankruptcy Hand Out – Common Bankruptcy Questions – from NCLC Please click below to read the National Consumer Law Center's article entitled Common Bankruptcy Questions. Common ...
    New Office - Click here to view all posts
    The latest posts for New Office are listed below.
    • Framingham Office Opening
      To better serve our clients from Framingham, Natick, and all of Middlesex County the Law Office of Robert W. Kovacs, Jr. is pleased to announce the opening of our Framingham Office. The address is: ...
    newspaper - Click here to view all posts
    The latest posts for newspaper are listed below.
    • Piccadilly Pub - Bankruptcy
      Piccadilly Pub – Bankruptcy Over the last few days there have been several stories in the Worcester Telegram and Gazette concerning the Piccadilly Pub restaurant. The Pic had filed for ...
    Non-Dischargeable Debt - Click here to view all posts
    The latest posts for Non-Dischargeable Debt are listed below.
    • Discharge of Tax Debts when your return is filed late -- In re McCoy
      Discharge of Tax Debts when your return is filed late. Generally, income tax debts become dischargeable in bankruptcy if your tax has been past due for at least three years, the return was actually ...
    • IRS Tax Amnesty Programs Collects Billions
      IRS Tax Amnesty Programs Collects Billions The Wall Street Journal reports that 15,000 individuals took advantage of a recent Internal Revenue program offering limited amnesty for taxpayers with ...
    • Can Bankruptcy Discharge Student Loans?
      Can Bankruptcy Discharge Student Loans? Discharging student loans through the Massachusetts bankruptcy court is extremely difficulty. Since 1978 Congress has increased restrictions on bankruptcy ...
    NStar - Click here to view all posts
    The latest posts for NStar are listed below.
    • Your electricity, gas, or other public utility will NOT be shut off if you file bankruptcy
      If you file for bankruptcy and are behind on a public utility bill then you can discharge the arrearage and not lose service. What happens is the amount you are behind will be discharged in your ...
    offer in compromise - Click here to view all posts
    The latest posts for offer in compromise are listed below.
    • Tax Masters -- $195 Million fraud judgment
      Tax Masters -- $195 Million fraud judgment Tax Masters, whom many people recognize because of their large national ad campaign, has been found to have committed fraud on their clients by a Texas jury. ...
    • Tax Masters -- $195 Million fraud judgment
      Tax Masters -- $195 Million fraud judgment Tax Masters, whom many people recognize because of their large national ad campaign, has been found to have committed fraud on their clients by a Texas jury. ...
    • Discharge of Tax Debts when your return is filed late -- In re McCoy
      Discharge of Tax Debts when your return is filed late. Generally, income tax debts become dischargeable in bankruptcy if your tax has been past due for at least three years, the return was actually ...
    Office Locations - Click here to view all posts
    The latest posts for Office Locations are listed below.
    • Framingham Office Opening
      To better serve our clients from Framingham, Natick, and all of Middlesex County the Law Office of Robert W. Kovacs, Jr. is pleased to announce the opening of our Framingham Office. The address is: ...
    Opt in - Click here to view all posts
    The latest posts for Opt in are listed below.
    • New Credit Card Regulations – Opt in for Over Draft Fees
      As you may have heard there are several new credit card regulations. One such regulation prohibits banks from charging over draft fees unless you “opt in.” If you chose not to “opt in” to the service ...
    Over Draft - Click here to view all posts
    The latest posts for Over Draft are listed below.
    • New Credit Card Regulations – Opt in for Over Draft Fees
      As you may have heard there are several new credit card regulations. One such regulation prohibits banks from charging over draft fees unless you “opt in.” If you chose not to “opt in” to the service ...
    People in Bankruptcy - Click here to view all posts
    The latest posts for People in Bankruptcy are listed below.
    • Bankruptcy Lawyer: Bankruptcy Does Not Have to Mean an End to Your Dreams
      Bankruptcy Lawyer: Bankruptcy Does Not Have to Mean an End to Your Dreams Bankruptcy Lawyer You may have heard about Lamson & Goodnow Manufacturing Co. recently having to file bankruptcy. This ...
    • You're Not Alone: A Partial List Of Famous People Who Have Filed For Bankruptcy
      You're Not Alone: A Partial List Of Famous People Who Have Filed For Bankruptcy Sometimes, people feel embarrassed about filing for bankruptcy, as though it is an indication that they have done ...
    • Former Teen Star Aaron Carter Declares Personal Bankruptcy
      Former Teen Star Aaron Carter Declares Personal Bankruptcy Do you remember Aaron Carter? Carter was a flash-in-the-pan teenybopper singer who was known more for being the little brother of Backstreet ...
    Phone Calls - Click here to view all posts
    The latest posts for Phone Calls are listed below.
    • Creditors that continue to attempt to collect on discharged debt are violating the law.
      At the conclusion of most individual bankruptcy cases a Debtor receives a “discharge” of his debts. The discharge is a release of your personal legal obligation to repay your debts. In part that ...
    • Creditors are calling all the time
      Bankruptcy can help. As soon as your bankruptcy case is filed the “automatic stay comes into effect. (See 11 U.S.C. §362) The automatic stay is much like the name implies, it happens automatically by ...
    Pre-Discharge Education - Click here to view all posts
    The latest posts for Pre-Discharge Education are listed below.
    • What is Bankruptcy Counseling? Pre-Discharge Education
      Individual debtors filing bankruptcy are required to complete both pre and post discharge counseling courses. Pre-filing counseling or “Credit Counseling” must be completed before the filing of ...
    Preference - Click here to view all posts
    The latest posts for Preference are listed below.
    • Can I Keep A Credit Card If I File Bankruptcy?
      Can I Keep A Credit Card If I File Bankruptcy? Many Massachusetts bankruptcy debtors need a credit card for work. Whether it is necessary for business purchases or travel, it is common for clients to ...
    • Common Bankruptcy Mistake – Paying off a loan from a relative shortly before filing
      Bankruptcy laws, like all laws, attempt to be fair (I admit not all laws actually are fair). In an effort to be fair to all creditors a bankruptcy debtor may not pay off one creditor in favor of ...
    • Avoidable Preferences for Business and Individuals Debtors
      Many times when facing insolvency issues a debtor, either a business or individual, will look to pay one creditor over another, this is called a preference. If the payment was not in the ordinary ...
    Pre-Filing Counseling - Click here to view all posts
    The latest posts for Pre-Filing Counseling are listed below.
    • What is Bankruptcy Counseling? Pre Filing Counseling
      In order for an individual to qualify for bankruptcy protection you must first complete Credit Counseling. Counseling can be completed on-line, over the phone, and in person. The counseling will take ...
    Principal Paydown Plan - Click here to view all posts
    The latest posts for Principal Paydown Plan are listed below.
    • NACBA's Principal Paydown Plan
      Dear NACBA Member, Thanks to the good work of so many members, NACBA’s Principal Paydown Plan to help underwater homeowners in chapter 13 bankruptcy avoid foreclosure, has been endorsed by a ...
    • FHFA Director Praises Principal Paydown Plan as "Promising" and "Credible"Pledges to Provide Members an Assessment in Two Weeks
      Dear NACBA Member, I am pleased to report that NACBA’s “principal paydown plan,” designed to help struggling homeowners in chapter 13 save their homes from foreclosure, is now under ...
    • "Support growing among policymakers for NACBA's Principal Paydown Plan"
      Dear NACBA Member: On Wednesday, we wrote to bring you up-to-date on activities of NACBA’s Legislative Committee in support of the Principal Paydown Plan (PPP). Just as that email went out, we ...
    public utilities - Click here to view all posts
    The latest posts for public utilities are listed below.
    • Your electricity, gas, or other public utility will NOT be shut off if you file bankruptcy
      If you file for bankruptcy and are behind on a public utility bill then you can discharge the arrearage and not lose service. What happens is the amount you are behind will be discharged in your ...
    Questions - Click here to view all posts
    The latest posts for Questions are listed below.
    • See what other people are asking and the answer I have on Avvo.com
    Reaffirmation - Click here to view all posts
    The latest posts for Reaffirmation are listed below.
    • Bankruptcy Can Provide Leverage to Underwater Homeowners
      Bankruptcy Can Provide Leverage to Underwater Homeowners The Washington Post recently reported that the Obama administration is not planning another large federally funded program to relieving the ...
    • I have Filed for Bankruptcy and my Bank has Asked me to Reaffirm my Car Loan.
      The goal for most individuals in bankruptcy is to receive a discharge of their debts. A discharge is a release of your legal obligation to repay your debt. With limited exception the discharge will ...
    Rebuilding Credit - Click here to view all posts
    The latest posts for Rebuilding Credit are listed below.
    • I filed Bankruptcy; Can I get a new credit card?
      If you filed bankruptcy under chapter 7 you will be able to obtain a new credit card very shortly after filing. Most banks will want your business, because (1) you have reduced your debt, (2) cannot ...
    Redemption - Click here to view all posts
    The latest posts for Redemption are listed below.
    • The Positives of Bankruptcy!
      The Positives of Bankruptcy! Massachusetts residents who use the bankruptcy laws most successfully are generally those with the best attitudes and the proper perspectives. As one writer asked, ...
    • I can no longer afford my car. What happens if I give it back to the bank?
      If you are unable to afford your car loan you may chose to voluntarily surrender the car to the bank. After the bank has the car they will sell the car at an auction. They will apply the proceeds of ...
    relatives - Click here to view all posts
    The latest posts for relatives are listed below.
    • Picking and Choosing Debts to Discharge
      Picking and Choosing Debts to Discharge There are many myths circulating regarding bankruptcy in Massachusetts. One of the most popular myths is that a bankruptcy debtor can pick and choose which ...
    • Common Bankruptcy Mistake – Paying off a loan from a relative shortly before filing
      Bankruptcy laws, like all laws, attempt to be fair (I admit not all laws actually are fair). In an effort to be fair to all creditors a bankruptcy debtor may not pay off one creditor in favor of ...
    Renting - Click here to view all posts
    The latest posts for Renting are listed below.
    • Renting As A Tenant After Bankruptcy
      Renting As A Tenant After Bankruptcy Renting a house or apartment after your Massachusetts bankruptcy discharge can be a little intimidating. Some landlords will run a credit check during the ...
    repossession - Click here to view all posts
    The latest posts for repossession are listed below.
    • Bankruptcy Stops Wage Garnishments Cold
      Bankruptcy Stops Wage Garnishments Cold One of the most beneficial provisions of the federal Bankruptcy Code is the automatic stay which stops all creditor action once the case is filed. Creditors can ...
    Reschedule - Click here to view all posts
    The latest posts for Reschedule are listed below.
    • What Happens if I Cannot Make my §341 Meeting
      With the snow that fell this weekend I cannot help but think now may be a good time to mention what happens if a debtor cannot make their assigned time and date for their §341 meeting. The §341 ...
    Responsible Credit Use - Click here to view all posts
    The latest posts for Responsible Credit Use are listed below.
    • Can I Keep A Credit Card If I File Bankruptcy?
      Can I Keep A Credit Card If I File Bankruptcy? Many Massachusetts bankruptcy debtors need a credit card for work. Whether it is necessary for business purchases or travel, it is common for clients to ...
    • How will bankruptcy shape my credit score?
      There is little doubt that bankruptcy will reflect negatively on your credit score. However, most people that are considering bankruptcy already have a poor credit score, because of missed payments, ...
    • I filed Bankruptcy; Can I get a new credit card?
      If you filed bankruptcy under chapter 7 you will be able to obtain a new credit card very shortly after filing. Most banks will want your business, because (1) you have reduced your debt, (2) cannot ...
    retirement - Click here to view all posts
    The latest posts for retirement are listed below.
    • If you are filing chapter 13 bankruptcy with careful planning you may be able to reduce your payment
      Chapter 13 bankruptcy is a payment plan. In chapter 13 the debtor makes a reasonable monthly payment based on his or her income and expenses. Whatever does not get paid back to creditors through the ...
    Robert Kovacs - Click here to view all posts
    The latest posts for Robert Kovacs are listed below.
    • How to Know if a Bankruptcy Lawyer is the Right One for You
      How to Know if a Bankruptcy Lawyer is the Right One for You Searching for a bankruptcy lawyer can sometimes be daunting when so many are out there and advertise effectively. While most are good and ...
    • Attorney Kovacs has been Selected as a top 40 litigator under 40 by the American Society of Legal Advocates.
      Attorney Kovacs has been Selected as a top 40 litigator under 40 by the American Society of Legal Advocates. You can read about it here ...
    Satellite television - Click here to view all posts
    The latest posts for Satellite television are listed below.
    • Your electricity, gas, or other public utility will NOT be shut off if you file bankruptcy
      If you file for bankruptcy and are behind on a public utility bill then you can discharge the arrearage and not lose service. What happens is the amount you are behind will be discharged in your ...
    Scams - Click here to view all posts
    The latest posts for Scams are listed below.
    • "Beware of Foreclosure Rescue Scams - Help Is Free!"
      When looking for home loan help, please know that help from the Department of Housing and Urban Development is free. Below are some of the warning signs that HUD has put together: " Beware of ...
    Schedules - Click here to view all posts
    The latest posts for Schedules are listed below.
    • I just filed for bankruptcy and forgot to tell my lawyer about a creditor
      It is often difficult to keep track of all your creditors. Making matters worse, often times debt collections agents and/or debt buyers make it confusing to understand who you owe. If, for some ...
    Second Mortgage - Click here to view all posts
    The latest posts for Second Mortgage are listed below.
    • Stripping second mortgages if you have previously filed chapter 7
      Stripping second mortgages if you have previously filed chapter 7 The Fourth Circuit Court of appeals recently ruled that a debtor can strip a second mortgage in chapter 13 even if the debtor has ...
    • Bankruptcy Can Provide Leverage to Underwater Homeowners
      Bankruptcy Can Provide Leverage to Underwater Homeowners The Washington Post recently reported that the Obama administration is not planning another large federally funded program to relieving the ...
    • You can file bankruptcy and keep your home
      If you file bankruptcy you will keep your home; unless you want to surrender it to the bank. In order to keep your home you will need to at a minimum be able to make the current monthly payment on the ...
    Secured Credit Cards - Click here to view all posts
    The latest posts for Secured Credit Cards are listed below.
    • How will bankruptcy shape my credit score?
      There is little doubt that bankruptcy will reflect negatively on your credit score. However, most people that are considering bankruptcy already have a poor credit score, because of missed payments, ...
    • I filed Bankruptcy; Can I get a new credit card?
      If you filed bankruptcy under chapter 7 you will be able to obtain a new credit card very shortly after filing. Most banks will want your business, because (1) you have reduced your debt, (2) cannot ...
    Settlement - Click here to view all posts
    The latest posts for Settlement are listed below.
    • "CAPITAL ONE BANK (USA) N.A. WILL REFUND MORE THAN $2 MILLION"
      From the Us Trustee's Office. For the full article please visit http://www.justice.gov/ust/eo/public_affairs/press/docs/2011/pr20110118.htm January 18, 2011 CAPITAL ONE BANK (USA) N.A. WILL REFUND ...
    Sewer Bill - Click here to view all posts
    The latest posts for Sewer Bill are listed below.
    • Your electricity, gas, or other public utility will NOT be shut off if you file bankruptcy
      If you file for bankruptcy and are behind on a public utility bill then you can discharge the arrearage and not lose service. What happens is the amount you are behind will be discharged in your ...
    Southern Sky Air & Tours, LLC d/b/a Direct Air - Click here to view all posts
    The latest posts for Southern Sky Air & Tours, LLC d/b/a Direct Air are listed below.
    • Direct Air Bankruptcy - Case Update
      Direct Air Bankruptcy – Case Update Today, April 11, 2012, the bankruptcy court order Direct Air's chapter 11 bankruptcy converted to one under chapter 7. In chapter 7 a case trustee will be ...
    • Direct Air - Bankruptcy - Case Update
      Direct Air – Bankruptcy – Case Update Today, March 23, 2012, the United States Trustee ("UST"), filed a Motion seeking conversation of the case to one under Chapter 7 or ...
    • Direct Air - Bankruptcy - I have tickets and do not know what to do
      Direct Air – Bankruptcy – I have tickets and do not know what to do My family and I, like many of you are proud to be from Worcester. I have long attempted to spend my dollars at local ...
    State Law - Click here to view all posts
    The latest posts for State Law are listed below.
    • I have Filed for Bankruptcy and my Bank has Asked me to Reaffirm my Car Loan.
      The goal for most individuals in bankruptcy is to receive a discharge of their debts. A discharge is a release of your legal obligation to repay your debt. With limited exception the discharge will ...
    Student Loans - Click here to view all posts
    The latest posts for Student Loans are listed below.
    • Proposed Legislation Could Make Student Loans Dischargeable in Bankruptcy
      It is no secret that student loan debt has supplanted other forms of debt as a leading concern for millions of America. Today, student loan debt exceeds all other forms of consumer debt, including ...
    • White House Sides with Bankruptcy Lawyer Group
      White House Sides with Bankruptcy Lawyer Group Bankruptcy Lawyer The White House has begun exploring the possibility of making it easier for borrowers to discharge student loan debt when filing for ...
    • Student Loan Debt Help: Loan Forgiveness
      Student Loan Debt Help: Loan Forgiveness Student Loan Debt Help College students are graduating with more and more debt. Paying off mountains of debt is not going to be an overnight walk in the park. ...
    sub prime lending - Click here to view all posts
    The latest posts for sub prime lending are listed below.
    • Video explanation of the current credit crisis.
      Video explanation of the current credit crisis. Please click the link below for a video explaining the current credit crisis. http://jonathanjarvis.com/crisis-of-credit
    Surrender - Click here to view all posts
    The latest posts for Surrender are listed below.
    • I can no longer afford my car. What happens if I give it back to the bank?
      If you are unable to afford your car loan you may chose to voluntarily surrender the car to the bank. After the bank has the car they will sell the car at an auction. They will apply the proceeds of ...
    Tax - Click here to view all posts
    The latest posts for Tax are listed below.
    • Our Bankruptcy Lawyer Explains the Rules Regarding Tax Debt
      Our Bankruptcy Lawyer Explains the Rules Regarding Tax Debt Bankruptcy Lawyer One of the persistent myths about Chapter 7 bankruptcy is that no debt owed to the Internal Revenue Service (IRS) is ...
    • Ways of Tackling Tax Debt
      Ways of Tackling Tax Debt Tax debt is a common problem people struggle with, and it creates a stressful situation, as the IRS is relentless about going after you if you owe money on taxes. If ...
    • Tax Masters -- $195 Million fraud judgment
      Tax Masters -- $195 Million fraud judgment Tax Masters, whom many people recognize because of their large national ad campaign, has been found to have committed fraud on their clients by a Texas jury. ...
    Tax liens - Click here to view all posts
    The latest posts for Tax liens are listed below.
    • Our Bankruptcy Lawyer Explains the Rules Regarding Tax Debt
      Our Bankruptcy Lawyer Explains the Rules Regarding Tax Debt Bankruptcy Lawyer One of the persistent myths about Chapter 7 bankruptcy is that no debt owed to the Internal Revenue Service (IRS) is ...
    • Tax Masters -- $195 Million fraud judgment
      Tax Masters -- $195 Million fraud judgment Tax Masters, whom many people recognize because of their large national ad campaign, has been found to have committed fraud on their clients by a Texas jury. ...
    • Tax Masters -- $195 Million fraud judgment
      Tax Masters -- $195 Million fraud judgment Tax Masters, whom many people recognize because of their large national ad campaign, has been found to have committed fraud on their clients by a Texas jury. ...
    Tax Refund - Click here to view all posts
    The latest posts for Tax Refund are listed below.
    • Keep Your Tax Refund - Bankruptcy Exemptions
      As tax filing deadlines approach, many debtors who are filing for bankruptcy may wonder what will happen to their tax refund. Will they lose their refund to creditors? Are they considered exempt in ...
    tax repayment - Click here to view all posts
    The latest posts for tax repayment are listed below.
    • Our Bankruptcy Lawyer Explains the Rules Regarding Tax Debt
      Our Bankruptcy Lawyer Explains the Rules Regarding Tax Debt Bankruptcy Lawyer One of the persistent myths about Chapter 7 bankruptcy is that no debt owed to the Internal Revenue Service (IRS) is ...
    • Tax Masters -- $195 Million fraud judgment
      Tax Masters -- $195 Million fraud judgment Tax Masters, whom many people recognize because of their large national ad campaign, has been found to have committed fraud on their clients by a Texas jury. ...
    • Tax Masters -- $195 Million fraud judgment
      Tax Masters -- $195 Million fraud judgment Tax Masters, whom many people recognize because of their large national ad campaign, has been found to have committed fraud on their clients by a Texas jury. ...
    Tax Return - Click here to view all posts
    The latest posts for Tax Return are listed below.
    • Keep Your Tax Refund - Bankruptcy Exemptions
      As tax filing deadlines approach, many debtors who are filing for bankruptcy may wonder what will happen to their tax refund. Will they lose their refund to creditors? Are they considered exempt in ...
    • Our Bankruptcy Lawyer Explains the Rules Regarding Tax Debt
      Our Bankruptcy Lawyer Explains the Rules Regarding Tax Debt Bankruptcy Lawyer One of the persistent myths about Chapter 7 bankruptcy is that no debt owed to the Internal Revenue Service (IRS) is ...
    • Tax Masters -- $195 Million fraud judgment
      Tax Masters -- $195 Million fraud judgment Tax Masters, whom many people recognize because of their large national ad campaign, has been found to have committed fraud on their clients by a Texas jury. ...
    Undue Hardship - Click here to view all posts
    The latest posts for Undue Hardship are listed below.
    • All Is Not Lost -- Student Loan Debt Help
      All Is Not Lost -- Student Loan Debt Help Student Loan Debt Help Thanks to our still-sluggish economy, many students graduate and quickly find themselves overwhelmed by the financial demands of ...
    • Student Loans and Bankruptcy Prior to October 7, 1998
      Student Loans and Bankruptcy Prior to October 7, 1998 Prior to October 7, 1998 student loans, federal or private, were dischargeable in bankruptcy. However, the loan had to be in repayment for more ...
    • Student Loan debt discharged due to Asperger's Syndrome
      Student Loan debt discharged due to Asperger's Syndrome The American Bar Association is reporting that an individual suffering with Asperger's Syndrome has recently received a discharge of his ...
    Unemployment - Click here to view all posts
    The latest posts for Unemployment are listed below.
    • You can still file chapter 13 bankruptcy while on un-employment
      Chapter 13 bankruptcy is often called a payment plan. In chapter 13 bankruptcy the debtor will make a monthly payment for either 3 or 5 years. The amount of the payment is reasonable based on the ...
    Unsecured Credit Card - Click here to view all posts
    The latest posts for Unsecured Credit Card are listed below.
    • I filed Bankruptcy; Can I get a new credit card?
      If you filed bankruptcy under chapter 7 you will be able to obtain a new credit card very shortly after filing. Most banks will want your business, because (1) you have reduced your debt, (2) cannot ...
    US Trustee - Click here to view all posts
    The latest posts for US Trustee are listed below.
    • Direct Air Bankruptcy - Case Update
      Direct Air Bankruptcy – Case Update Today, April 11, 2012, the bankruptcy court order Direct Air's chapter 11 bankruptcy converted to one under chapter 7. In chapter 7 a case trustee will be ...
    • What is an Adversary Complaint?
      What is an Adversary Complaint? Federal laws protect an individual from creditor harassment during a bankruptcy case. Sometimes disputes arise during the case and a creditor, the trustee, or the ...
    • Education Helps Debtors After Bankruptcy
      Education Helps Debtors After Bankruptcy Since changes were made to the bankruptcy laws in 2005, all Massachusetts debtors are required to complete both a pre-bankruptcy credit counseling interview ...
    utilities - Click here to view all posts
    The latest posts for utilities are listed below.
    • Your electricity, gas, or other public utility will NOT be shut off if you file bankruptcy
      If you file for bankruptcy and are behind on a public utility bill then you can discharge the arrearage and not lose service. What happens is the amount you are behind will be discharged in your ...
    Venue - Click here to view all posts
    The latest posts for Venue are listed below.
    • Venue – In which Court do I file my bankruptcy case?
      § 1408. Venue of cases under title 11 How Current is This? Except as provided in section 1410 of this title, a case under title 11 may be commenced in the district court for the district- (1) in which ...
    video - Click here to view all posts
    The latest posts for video are listed below.
    • Checkout our new chapter 7 bankruptcy video
      Checkout our new chapter 7 bankruptcy video
    • Checkout our new bankruptcy video.
      Checkout our new bankruptcy video.
    Water Bill - Click here to view all posts
    The latest posts for Water Bill are listed below.
    • Your electricity, gas, or other public utility will NOT be shut off if you file bankruptcy
      If you file for bankruptcy and are behind on a public utility bill then you can discharge the arrearage and not lose service. What happens is the amount you are behind will be discharged in your ...
    Weather - Click here to view all posts
    The latest posts for Weather are listed below.
    • What Happens if I Cannot Make my §341 Meeting
      With the snow that fell this weekend I cannot help but think now may be a good time to mention what happens if a debtor cannot make their assigned time and date for their §341 meeting. The §341 ...
    Why Us - Click here to view all posts
    The latest posts for Why Us are listed below.
    • Why Should I Hire a Bankruptcy Attorney?
      Why Should I Hire a Bankruptcy Attorney? Years ago, few attorneys in Massachusetts specialized in any particular area of the law. These "general practitioners" handled criminal cases, family ...
    Worcester - Click here to view all posts
    The latest posts for Worcester are listed below.
    • Southern Sky Air & Tours, LLC d/b/a Direct Air filed for bankruptcy today
      Southern Sky Air & Tours, LLC d/b/a Direct Air filed for bankruptcy today Today, March 16, 2012 Direct Air, filed for chapter 11 bankruptcy protection in the United States Bankruptcy Court, ...
    • Why Should I Hire a Bankruptcy Attorney?
      Why Should I Hire a Bankruptcy Attorney? Years ago, few attorneys in Massachusetts specialized in any particular area of the law. These "general practitioners" handled criminal cases, family ...
    • Worcester Telegram and Gazette Article " A fair judge"
      http://www.telegram.com/article/20100505/NEWS/5050366/1237
    Worcester Telegram and Gazette - Click here to view all posts
    The latest posts for Worcester Telegram and Gazette are listed below.
    • Piccadilly Pub - Bankruptcy
      Piccadilly Pub – Bankruptcy Over the last few days there have been several stories in the Worcester Telegram and Gazette concerning the Piccadilly Pub restaurant. The Pic had filed for ...
    • Worcester Telegram and Gazette Article " A fair judge"
      http://www.telegram.com/article/20100505/NEWS/5050366/1237
  • Avvo
  • BBB

Recent Posts

  • Raising Your Credit Score After Bankruptcy
  • How Can I Prevent Foreclosure On My Home?
  • Can I Keep My Tax Refund When I File Bankruptcy?
  • Dealing With Your Tax Debt in Bankruptcy
  • Celebrities Filing for Bankruptcy | Worcester Bankruptcy Lawyer
  • Bankruptcy and Student Debt | Worcester Bankruptcy Attorney
  • Credit Card Debt After the Holidays: What Can I Do?
  • Proposed Legislation Could Make Student Loans Dischargeable in Bankruptcy

Categories

  • §362 (9)
  • Bank (1)
  • Car Value (2)
  • Credit Card Regulations (4)
  • Credit Score (17)
  • Debt Collectors (19)
  • debt settlement (5)
  • Federal Law (9)
  • Lien Stripping (8)
  • Luxury items (2)
  • Middlesex County (1)
  • tax (6)
  • US Trustee (8)
  • §525 (1)
  • 341 Meeting (4)
  • 544 (1)
  • 548 (1)
  • 910 Day Rule (2)
  • a offer in compromise (4)
  • Adversarial Proceeding (5)
  • After Bankruptcy (5)
  • Alimony (1)
  • Amendment (1)
  • American Society of Legal Advocates (1)
  • AMICUS BRIEFS (7)
  • Answers (2)
  • AP (6)
  • Asset Protection (31)
  • Assets (31)
  • Attorney General Regulations (1)
  • Automatic Stay (18)
  • Avoidable Preference (4)
  • Avvo (1)
  • bank (3)
  • Bank Accounts (1)
  • Bank Fees (1)
  • Bankruptcy (218)
  • Bankruptcy Code (69)
  • Bankruptcy Counseling (6)
  • Bankruptcy Mistakes (15)
  • Bankruptcy Plan (28)
  • Business Bankruptcy (18)
  • cable Television (1)
  • Car Loan (7)
  • Car Loans (5)
  • Case Law Update (14)
  • Case Trustee (8)
  • cell phone (2)
  • CFPB (1)
  • Chapter 11 (30)
  • Chapter 12 (13)
  • Chapter 13 (62)
  • Chapter 13 Bankruptcy (56)
  • chapter 13 plan (39)
  • Chapter 7 (51)
  • Checking Accounts (1)
  • Child Support (5)
  • Consumer Financial Protection Bureau (1)
  • contract breach, (1)
  • Counseling (4)
  • Court (10)
  • Court House (2)
  • Cram Down (8)
  • Credit (19)
  • credit cards (22)
  • Credit Counseling (6)
  • credit crisis (1)
  • Credit Report (13)
  • Credit Reports (12)
  • Credit Score (16)
  • Creditors (32)
  • damages (1)
  • Debt (29)
  • Debt Buyers (6)
  • Debtor (17)
  • Debtor’s Education (2)
  • Department of Justice (5)
  • Direct Air (4)
  • Discharge (45)
  • Discriminatory Treatment (1)
  • dismissal (3)
  • DOR (2)
  • Employment (2)
  • exemption planning (3)
  • Exemptions (6)
  • Face Book Page (1)
  • Fair Debtor Collection Practices Act (5)
  • FDCPA (4)
  • Fees (6)
  • Financial Management Course (2)
  • Firm News (1)
  • Foreclosure (26)
  • Framingham (1)
  • Fraud (3)
  • FTCA (1)
  • Gross Income (2)
  • HAMP (7)
  • Happy Holidays (5)
  • Home (17)
  • Home Loan (16)
  • Home Values (10)
  • Homestead (6)
  • HUD (3)
  • Income Tax (5)
  • Incurring new debt (3)
  • Individual Bankruptcy (13)
  • Insolvency (5)
  • intent to repay (2)
  • IRS (10)
  • Joint Bankruptcy (1)
  • Judge (7)
  • Judge Boroff (1)
  • Judicial Lien (1)
  • Lien Stripping (6)
  • Loan Modification (8)
  • loan repayment (4)
  • Loans (10)
  • luxury items (1)
  • Making Homes Affordable (7)
  • maxed out cards (1)
  • Means Test (2)
  • Meeting of Creditors (3)
  • Mortgage (17)
  • my personal bankruptcy story (1)
  • NACBA (17)
  • Natick (1)
  • National Grid (1)
  • NCLC (3)
  • New Office (1)
  • newspaper (1)
  • Non-Dischargeable Debt (5)
  • NStar (1)
  • offer in compromise (5)
  • Office Locations (1)
  • Opt in (1)
  • Over Draft (1)
  • People in Bankruptcy (6)
  • Phone Calls (2)
  • Pre-Discharge Education (1)
  • Preference (3)
  • Pre-Filing Counseling (1)
  • Principal Paydown Plan (3)
  • public utilities (1)
  • Questions (1)
  • Reaffirmation (2)
  • Rebuilding Credit (1)
  • Redemption (2)
  • relatives (2)
  • Renting (1)
  • repossession (1)
  • Reschedule (1)
  • Responsible Credit Use (3)
  • retirement (1)
  • Robert Kovacs (2)
  • Satellite television (1)
  • Scams (1)
  • Schedules (1)
  • Second Mortgage (6)
  • Secured Credit Cards (2)
  • Settlement (1)
  • Sewer Bill (1)
  • Southern Sky Air & Tours, LLC d/b/a Direct Air (4)
  • State Law (1)
  • Student Loans (19)
  • sub prime lending (1)
  • Surrender (1)
  • Tax (16)
  • Tax liens (6)
  • Tax Refund (1)
  • tax repayment (7)
  • Tax Return (11)
  • Undue Hardship (4)
  • Unemployment (1)
  • Unsecured Credit Card (1)
  • US Trustee (4)
  • utilities (1)
  • Venue (1)
  • video (2)
  • Water Bill (1)
  • Weather (1)
  • Why Us (1)
  • Worcester (4)
  • Worcester Telegram and Gazette (2)

Contact us today

Send My Message

Bankruptcy Law

How Can We Help You?

  • Bankruptcy
  • Chapter 7
  • Chapter 11
  • Chapter 12
  • Chapter 13
  • Bankruptcy Mistakes
  • Bankruptcy Myths
  • Consumer Protection
  • Cram Down
  • Credit Card Debt
  • Credit Reports/Scores
  • Debt Collection Defense
  • Debt Settlement
  • Discharging Your Debt
  • Do I qualify?
  • Exemptions
  • Foreclosure
  • Large Business Bankruptcy
  • Life after Bankruptcy
  • Loan Modification
  • Newsletter Archives
  • Relief from Tax Liens
  • Self-Employed Bankruptcy
  • Small Business Bankruptcy
  • The Process
  • Wage Garnishment
  • Warning Signs
  • Why Hire an Attorney?
  • Will I Lose My Home?

Blog Feed

  • Raising Your Credit Score After Bankruptcy

    When you make the decision to file for bankruptcy, ...

  • How Can I Prevent Foreclosure On My Home?

    At Law Office of Robert W. Kovacs, Jr., we are ...

  • Can I Keep My Tax Refund When I File Bankruptcy?

    We all look forward to getting that big tax refund ...

Read More
Law Office of Robert W. Kovacs, Jr.

Call Today
(508) 645-4073

Law Office of Robert W. Kovacs, Jr.
Worcester Bankruptcy Attorney
131 Lincoln Street,
Worcester, MA 01605
View Map

Website: https://www.rkovacslaw.com/
© 2019 All Rights Reserved.
  • Home
  • See Our Practice Areas
  • Site Map
  • See What People are Saying
  • Privacy Policy
  • Meet Our Team
  • Contact Us
  • Get a Free Case Evaluation
Internet Marketing Experts