Learn About the Bankruptcy Process
The first step in the bankruptcy process is determining if bankruptcy is right for you. I am attorney Kenneth C. Ackerman, and I can help you with this critical step and all other steps that follow until you obtain the debt relief you seek.
To determine if bankruptcy is right for you, and which chapter of bankruptcy should be filed, a thorough review of your situation is necessary. This review will require the following pieces of information:
- Tax returns from the last two to four years
- Copies of your most recent credit reports
- Copies of your most recent credit card, mortgage and other statements
- Copies of correspondence from creditors
- List of all regular recurring expenses, such as rent or mortgage, car payments and food
- List of all debts, including credit card debts, medical bills and student loans
- List of all personal property
I encourage you to have this information ready when you call me at 617-892-4334 (toll free 866-936-5506) or contact me by e-mail to schedule a free initial consultation.
If bankruptcy is the right step, you will first be required to take a consumer credit counseling course. After you have completed this course, bankruptcy can be filed. I will prepare all of the necessary documentation and file on your behalf.
After Bankruptcy Is Filed
Your road to a financial fresh start begins within 30 days of filing bankruptcy with a meeting of creditors. This meeting allows creditors to ask questions about your financial situation and why you are filing bankruptcy. More often than not, your creditors will not show up for this meeting. You will have to, and I will attend as your representative.
If you filed Chapter 7 bankruptcy, your debts will be discharged in half a year or less. That's how soon you can have the fresh start you need.
If you filed Chapter 13 bankruptcy, your debt repayment plan will last three to five years. Debt remaining after that time will be discharged. I will remain available to you throughout that time period, ready to act if something changes and the repayment plan must be revisited.
Put My Experience to Work for You
As a bankruptcy lawyer, I have helped people throughout Massachusetts get fresh starts on their finances. My office is conveniently located in the heart of downtown Boston, directly across from City Hall Plaza and the Government Center T-stop.
Schedule a free, no-obligation initial consultation by calling 617-892-4334 (toll free 866-936-5506) or contact me by e-mail.
My law firm is a debt relief agency. My law firm helps people file for bankruptcy relief under the Bankruptcy Code.
