Best Bankruptcy Lawyers in Worcester, MA

Each Debtor filing an individual bankruptcy has a right to represent him or herself (Pro Se Debtor); however, the use of an attorney is highly recommended. Ignorance of the law may cost an individual far more than an attorney's fee. By law, a Corporation is required to have an attorney.

It releases the Debtor from personal liability for discharged debts. Thus, it prevents the creditors owed those debts from taking any action against the Debtor to collect the debts. Most, but not all, types of debts are discharged if they existed on the date the bankruptcy case was filed and were listed on the schedules. Should a creditor take action for a debt which is discharged, our office may be able to pursue an action against the creditor for Violation of the Discharge.

Yes it is a public record; however it is much more complicated that search on google. Access to electronic court records is available by registering with PACER. Normally the people who have access to this information is the Trustee, the Court, your creditors and your Attorney,

It is listed on your credit report for a maximum of ten years under provisions of the Fair Credit Reporting Act as a notation. The effect on your creditor score is not for ten years, a Debtor can work to improve their credit immediately after filing Bankruptcy. With effort you can see your credit start to improve in as little as six months.

It takes about two weeks before the creditor is notified by the Bankruptcy Court, after that the Debtor should immediately contact our office as you may be entitled to take legal action against the creditor to obtain a specific order from the court prohibiting the creditor from taking further collection action.