Bankruptcy

Suffering From Crippling Debt? At Risk of Losing Your House? Are Debt Collectors Calling All Day and Night?

In addition to litigation, the attorneys at Marcotte Law Firm work closely with individuals, families, and small business to get the debt relief they need. Our attorneys are highly skilled in the field of bankruptcy law and know how to make sure you keep your property and can live a normal life.

Our bankruptcy clients often feel scared and ashamed, but they should not. We work closely with you to ease your concerns and make the process as painless as possible. The Bankruptcy Code (11 U.S.C.) and the Local Bankruptcy Rules are complicated and nearly impossible to navigate without legal assistance.

In most cases, we offer a flat fee service plan to guide you through the complicated process.

Contact us today for a free initial consultation to discuss your bankruptcy or debt relief problems.

Discharge or Restructure Your Debt Today

Even for the most prepared individuals, debt can catch up to us quickly for a variety of unexpected reasons. An unforeseen medical complication can come with large medical bills and mortgage or car payments can add up over time until the debt is completely unmanageable. Credit cards can come with high interest rates and late fees where missing one payment can put you in a hole you cannot climb out of.

If you have a trusted lawyer on your side who has a structured plan in place you can begin to get rid of lingering debts and payments. Let our attorney give you the personalized and commonsense service you need to cope with the legalities of the following matters:

• Chapter 7 Bankruptcy
• Chapter 13 Bankruptcy
• Adversary Proceedings
• Alternatives to Bankruptcy
• Asset Protection
• Bankruptcy Exemptions
• Bankruptcy Means Test
• Cease wage garnishments
• Credit Card Debt
• Debt Negotiation
• Debt Relief
• Debt Restructuring
• Loan Modification
• Summary Process & Real Estate Attachments
• Trustee Process
• Violations of the Fair Debt Collection Practices Act

Dealing with Pesky Collection Agencies

The Lowell Bankruptcy Lawyers at Marcotte Law Firm knows the tricks that the collection agencies use to try to scare you into paying them. Our seasoned staff knows the Fair Debt Collection Practices Act and the local regulations inside and out and will make sure these collectors are following the law. In certain situations, a bankruptcy may not be right for you and we offer the following services:

• Stop the persistent calls by collectors,
• Entering into reduced payment agreements
• Cease garnishing of wages
• Stop foreclosures

At Marcotte Law Firm, our Lowell Bankruptcy Lawyers can help give you the debt relief you need so you can focus on what matters most to you.

What is Bankruptcy?

You may be faced with growing challenges in your personal and professional life. Maybe you had to take a leave of absence from work for medical reasons. Now you have giant bills from the hospital, you missed time from work, so you do not have a steady income, and you missed several payments for your credit cards or mortgage. Now the credit card company is trying to garnish the little wages you still have and the bank is threatening to foreclose on your house. What are your options?

Bankruptcy allows individuals, burdened by overwhelming debt, to obtain a fresh start and wipe out dischargeable debt. This can be done through filing a case under Chapter 7 or 13 of the United State Bankruptcy Code, which are described in detail on the following pages.

Experienced Lowell Bankruptcy Lawyer

You deserve an attorney who will give you honest advice. At Marcotte Law Firm, our bankruptcy lawyers know that you don’t want to be making this call. That’s why we take the time to put you at ease, letting you know that Bankruptcy is there for a reason.

If you’ve been thinking about filing for bankruptcy, call the experienced Lowell Bankruptcy Attorneys at Marcotte Law Firm for a free, no obligation consultation. Even if you decide not to file, there’s no charge for speaking to a lawyer.