We Can Help Get Your Debts Discharged And Start Fresh

One of the advantages of filing for Chapter 7 bankruptcy is that your debt will be discharged, which is a huge relief to many people. This means that creditors are required to stop taking collections actions against you right away, including calls and harassment. Experienced counsel can help you decide which debts to reaffirm and file the proper paperwork to ensure you’re taking advantage of every opportunity for a successful future.

At Reynolds & Werman, LLC, we want to help you create a new beginning. We will be with you through every step of the bankruptcy filing process as trusted advisers and guides during a stressful time. We can put an end to calls from creditors and the undue stress it causes. Overwhelming debt can happen to anyone, and we’re here to help you find a way out.

What Can’t Be Discharged?

While most debts can be discharged, there are several that cannot. These include:

  • Unpaid child support
  • Student or other educational loans
  • Some criminal restitution orders
  • Financial obligations related to motor-vehicle related injuries or death caused by the debtor
  • Other, in a certain situation

It’s important to know that you can also reaffirm some of your debts. Debt reaffirmation is the process by which you retain some of your property that would have been seized, with the agreement that you will continue to pay back some or all of that money. You don’t need an attorney to go through debt reaffirmation, but it’s a complicated process. If you decide not to use an attorney, you must go through a more extensive process that involves a hearing with a judge. Alternatively, an attorney can certify your decision to reaffirm some assets in writing to avoid a hearing.

Filing for bankruptcy is a complicated process and the penalty for filing incorrectly is high and may include a rejection of your bankruptcy efforts. We can help you understand bankruptcy in general and all of the details to Chapter 7 and filing for Chapter 13. The legal team at Reynolds & Werman, LLC, can answer your questions and make sure that the process goes as smoothly as possible for you.

Let’s Discuss How Discharging Debt Could Help You

If you’re thinking about filing for bankruptcy or already in the process, send us an email today or call one of our Massachusetts offices at 413-693-2632.