Clearing the Slate

is it time to consider other options?

Are you in danger of losing your home to foreclosure? A bankruptcy would stop a foreclosure auction immediately.

Has record high inflation and significant increases in home utility costs and gas prices made your monthly budget unfeasible? Bankruptcy can eliminate most consumer debt (credit cards, unsecured personal loans, medical bills, etc…) and, consequently, free up some money to cover your basic monthly bills and needs.

Is your monthly student loan payment making it impossible to make ends meet? Filing bankruptcy will help you eliminate monthly credit card bills and unsecured personal loan payments and you’ll have more money available to address your student loan debt.

Do you monitor your phone calls to avoid creditors and debt collection agencies? By law, creditors must stop contacting you directly as soon as you file bankruptcy. So, You can pass the burden of dealing directly with your creditors on to your bankruptcy attorney. 

Have you ever used a consolidation loan to pay off credit card debt? Unsecured consolidation loans are dischargeable in a Chapter 7 bankruptcy.

Do you owe taxes to the Internal Revenue Service or the Massachusetts Department of Revenue? Some tax debt is dischargeable in Chapter 7 bankruptcy.

Have you missed work due to an injury, a serious illness, or the pandemic? A significant loss of income is a major reason for most bankruptcy filings.

Do you have unpaid medical bills? Medical bills are dischargeable in Chapter 7 bankruptcy.

Have you lost a vehicle to repossession or are you in danger of losing your vehicle to repossession? Bankruptcy can prevent a creditor from repossessing the vehicle and any arrears owed to the creditor after the vehicle has been repossessed and auctioned are dischargeable in Chapter 7 bankruptcy.

Have you been sued by a creditor? Any judgment obtained by an unsecured creditor is dischargeable in Chapter 7 bankruptcy.

Have your wages been garnished? We can remove the garnishment by motion in bankruptcy.

Are you self-employed and struggling to pay debts? Filing bankruptcy will help you eliminate monthly credit card bills and unsecured personal loan payments and you’ll have more money available to cover your basic monthly bills and needs.

If you answered yes to any of the questions above, please contact the Law Office of Attorney James O’Mara today. Since 2002, my office has helped countless clients navigate the bankruptcy process. Put your mind at ease and contact me to schedule your free initial consultation.