{"id":305,"date":"2021-07-28T15:04:57","date_gmt":"2021-07-28T22:04:57","guid":{"rendered":"https:\/\/massbklaw.com\/massachusetts-bankruptcy-lawyers\/?p=305"},"modified":"2023-08-01T09:32:30","modified_gmt":"2023-08-01T13:32:30","slug":"when-is-it-time-to-file-personal-bankruptcy","status":"publish","type":"post","link":"https:\/\/massbklaw.com\/massachusetts-bankruptcy-lawyers\/when-is-it-time-to-file-personal-bankruptcy\/","title":{"rendered":"Time to File Personal Bankruptcy?"},"content":{"rendered":"<p style=\"text-align: left;\">Most people don\u2019t know when is it time to file personal bankruptcy even when debt issues are growing and growing, causing them to lose sleep, affecting their relationships with others and threatening their mental and physical well being. It is common for people in debt to think they just aren\u2019t trying hard enough or that if they can just get that better job or get a particular debt paid off they\u2019ll be in better shape. Meanwhile, past due balances and high interest rates, penalties and fees continue to grow and grow and cause the problem to get worse and worse and you know it is time to file bankruptcy.<\/p>\n<p style=\"text-align: left;\">It\u2019s often difficult for people to see that it\u2019s time to file bankruptcy. People in debt may think of <a title=\"When is it Time to File Personal Bankruptcy Chapter 7\" href=\"https:\/\/massbklaw.com\/massachusetts-bankruptcy-lawyers\/debt-forgiveness\/filing-chapter-7\/\">filing bankruptcy<\/a> as giving up (which is simply not true) or think it\u2019s not bad enough to consider bankruptcy just yet. Often they may be afraid of losing important assets like their home or car which is almost always not true. Often people take advice from family and friends and search the internet for answers and get more and more confused. However, when bankruptcy is in order it\u2019s important to get it done before the situation gets worse. Below is a list of indicators that strongly suggest that bankruptcy should be considered as an option and a consultation with a Massachusetts bankruptcy lawyer may be beneficial.<\/p>\n<h2 style=\"text-align: left;\">Indicators that it may be time to file for personal bankruptcy<\/h2>\n<p style=\"text-align: left;\">Financial problems are like an illness or a disease. The more symptoms a debtor suffers the greater likelihood that filing for bankruptcy is in order. It is really no different than going to a doctor when your symptoms start becoming more and more serious. Most individuals and families who can benefit from filing for bankruptcy experience several of the following:<\/p>\n<ul>\n<li style=\"text-align: left;\">The financial hardship keeps getting worse and worse \u2014 interest rates and penalty fees and other factors exceed the payments you make and cause your debt load to increase in month rather than decrease<\/li>\n<li style=\"text-align: left;\">Can\u2019t afford payments that will pay off debt within three years (36 months) \u2014 if payments are too low, interest rates and penalty fees can keep a debt going on forever so a debtor can\u2019t get out from under it; debtors should be sure to include future interest when calculating how much it will take to pay a debt off in three years<\/li>\n<li style=\"text-align: left;\">Borrowing to make debt payments \u2014 this is like trying to put out a fire by throwing gasoline on it, yet many debtors resort to this just to get aggressive creditors to go away even if it\u2019s just temporarily<\/li>\n<li style=\"text-align: left;\">Can\u2019t afford to pay minimum payments on all credit cards, loans and other debts \u2014 sometimes it\u2019s not the size of any one debt or the size of the required payment for a single debt but rather the impact of many debts piled together; failure of a debtor to make minimum payments on all his\/her debts will cause penalty fees and interest to accrue until the debt load is out of control. Paying on some debts while ignoring others is a strong sign that bankruptcy might be an option<\/li>\n<li style=\"text-align: left;\">Paying debts with retirement funds \u2014 the closer a person is to retirement the worse of an idea this is, yet seniors, who can least afford to jeopardize their retirement income, are those most likely to do so to avoid bankruptcy because of the stigma this generation traditionally puts on bankruptcy. Retirement money is protected in bankruptcy for a good reason which is that you will need it someday. Using retirement funds usually on puts a Band-Aid on the situation and only provides temporary relief. The stigma of bankruptcy is all but gone. No one will really know that you filed unless you tell them<\/li>\n<li style=\"text-align: left;\">Others will suffer if situation continues \u2014 the more dependants a debtor must provide for, the less they can afford to make payments to credit cards and other unsecured debts rather than save money for emergencies or pay for health insurance; if any single symptom can indicate a need for bankruptcy, this one is it, yet trying to continue making those payments could result in foreclosure or eviction and everyone ends up without a home. When you feel as if you are one financial problem away from disaster you should consider a free consultation with an experienced bankruptcy lawyer<\/li>\n<li style=\"text-align: left;\">Creditor collection calls threaten employment \u2014 if a creditor calls to garnish wages for a judgment and upsets your employer, the debtor may be in jeopardy of losing his\/her job, which will make it impossible to keep up with any of their debts. It is common for employers to get nervous about your employment at their company if you start receiving collection calls at work. Your employer could look to the person with financial trouble if money or property is missing<\/li>\n<li style=\"text-align: left;\">Other options are not available, practical or helpful \u2014 insufficient income, poor credit scores and other factors put options like debt settlement programs, consolidation loans, negotiating with creditors, loan modification, lifestyle changes, or gifts from relatives out of reach, but they should be considered before filing for bankruptcy. People in debt can only cut back so much. When a person in debt starts buying less food and having insufficient insurance on their vehicles to save money it is an indicator that bankruptcy may be an option and that it is time to file bankruptcy.<\/li>\n<li style=\"text-align: left;\">Upside down on their home with a second mortgage and\/or equity line of credit \u2014 many debts secured by real property will survive a foreclosure and the debtor will still owe any remaining balance after the property is sold and proceeds subtracted from the balance; bankruptcy, however, can completely discharge these debts<\/li>\n<\/ul>\n<h2>The Next Step Is To Call A Bankruptcy Attorney For A Free<\/h2>\n<p style=\"text-align: left;\">Anyone who suffers any of the above symptoms, or a combination of 2 or more, should strongly consider filing for bankruptcy. The next step is to consult with an experienced bankruptcy attorney who can help the debtor confirm that bankruptcy is the best solution. If it is, the attorney will file the case in court and notify creditors, which will put a stop to all collection efforts until the bankruptcy process is complete or the bankruptcy court lifts the stay.<\/p>\n<p style=\"text-align: left;\">In Massachusetts, bankruptcy and debt solutions attorneys Robert Simonian and Anthony Bucacci can assist in identifying the best options and solutions for your situation and put a plan into action that will resolve your debt issues and get you back on your feet. Call our office at 508-673-9500 to schedule a free consultation today or visit us at www.massbklaw.com<\/p>\n<h1 style=\"text-align: left;\">BANKRUPTCY \u2013 UNDECIDED OR UNSURE WHAT TO DO?<\/h1>\n<h2 style=\"text-align: left;\">Talk To Us About Your Options:<\/h2>\n<p style=\"text-align: left;\">We always tell potential clients to talk to us first to see if bankruptcy is in their best interest. The consultation is always free. Talk with Attorney Robert Simonian or Attorney Anthony Bucacci in private and in total confidentiality to see if filing bankruptcy in Massachusetts is right for you.<\/p>\n<p style=\"text-align: left;\">We can almost always come up with a solution to your financial problem when it is time to file bankruptcy. We have filed over 10,000 cases in the past 26 years and there are very few scenarios that we have not seen. We are known for our hard work, diligence, creativity and problem solving abilities. Often we are the bankruptcy attorneys other attorneys come to with difficult cases. Call today to see what we can do for you and what options are available. Often people believe they are the only ones with financial problems and are embarrassed of their situation. This is simply not true and many famous people have had to file for bankruptcy to get a fresh start.<\/p>\n<h2 style=\"text-align: left;\">Why Call Bucacci &amp; Simonian:<\/h2>\n<p style=\"text-align: left;\">We are known as one of the best bankruptcy attorneys in Southeastern Massachusetts serving the Bristol County and Plymouth County areas. Please inquire with anyone as to our reputation. Reputation is everything and we are very proud of ours. We have received numerous awards from various agencies and courts including the Bankruptcy Court in Boston, Massachusetts.<\/p>\n<p style=\"text-align: left;\">Using our knowledge and skill we have had several clients complete their five year Chapter 13 bankruptcy plans where they own their home FREE &amp; CLEAR OF MORTGAGES. We understand how important it is to save clients&#8217; homes from foreclosure, keep their cars from being repossessed and stop creditors from suing them and attaching their wages or attempting to seize their assets. This can be stopped almost instantly and we make every effort to be very available to your clients and can accommodate emergency situations. One of our most famous cases involved saving a clients\u2019s multi-family home. <a href=\"https:\/\/www.courtlistener.com\/opinion\/1863802\/in-re-brizida\/\">https:\/\/www.courtlistener.com\/opinion\/1863802\/in-re-brizida\/<\/a><\/p>\n<h2 style=\"text-align: left;\">What to Avoid:<\/h2>\n<p style=\"text-align: left;\">Do not attempt to file for bankruptcy on your own. You can make your situation much, much worse. If the bankruptcy petition is not correct you could lose your home, your car or possessions or you could be asked to file a different kind of bankruptcy where you have to make monthly payments when it could have been avoided. If you are not properly represented a bankruptcy trustee may foreclose on your house, allow your car to be repossessed, seize a tax refund or other assets. You could file under the wrong chapter, apply the wrong exemptions, fail to file all of the necessary forms or not understand the significance of important forms.<\/p>\n<h2 style=\"text-align: left;\">Protect Yourself:<\/h2>\n<p style=\"text-align: left;\">Call us today for a free and complete bankruptcy consultation. We can protect you from your creditors and protect your home, cars, jewelry and other assets. Creditors and collection lawyers have a job to do and it may seem that they are heartless and will take anything they can from you. They are represented and you should be too. Call us today. The Federal Bankruptcy Court indicated that seeking the advice of a qualified attorney is strongly recommended. <a href=\"https:\/\/www.uscourts.gov\/services-forms\/bankruptcy\/filing-without-attorney\">https:\/\/www.uscourts.gov\/services-forms\/bankruptcy\/filing-without-attorney<\/a><\/p>\n<p style=\"text-align: center;\"><a title=\"Fall River MA Bankruptcy Law Firm Massachusetts\" href=\"https:\/\/massbklaw.com\/massachusetts-bankruptcy-lawyers\/bankruptcy-attorney-massachusetts\/fall-river-ma\/\">Fall River MA<\/a> | <a title=\"New Bedford MA Bankruptcy Law Firm Massachusetts\" href=\"https:\/\/massbklaw.com\/massachusetts-bankruptcy-lawyers\/bankruptcy-attorney-massachusetts\/new-bedford-ma\/\">New Bedford MA<\/a> | <a title=\"Raynahm MA Bankruptcy Law Firm Massachusetts\" href=\"https:\/\/massbklaw.com\/massachusetts-bankruptcy-lawyers\/bankruptcy-attorney-massachusetts\/raynham-ma\/\">Raynahm MA<\/a> | <a title=\"Seekonk MA Bankruptcy Law Firm Massachusetts\" href=\"https:\/\/massbklaw.com\/massachusetts-bankruptcy-lawyers\/bankruptcy-attorney-massachusetts\/seekonk-ma\/\">Seekonk MA<\/a> | <a title=\"Somerset MA Bankruptcy Law Firm Massachusetts\" href=\"https:\/\/massbklaw.com\/massachusetts-bankruptcy-lawyers\/bankruptcy-attorney-massachusetts\/somerset-ma\/\">Somerset MA<\/a> | <a title=\"Swansea MA Bankruptcy Law Firm Massachusetts\" href=\"https:\/\/massbklaw.com\/massachusetts-bankruptcy-lawyers\/bankruptcy-attorney-massachusetts\/swansea-ma\/\">Swansea MA<\/a> | <a title=\"Taunton MA Bankruptcy Law Firm Massachusetts\" href=\"https:\/\/massbklaw.com\/massachusetts-bankruptcy-lawyers\/bankruptcy-attorney-massachusetts\/taunton-ma\/\">Taunton MA<\/a> | <a title=\"Westport MA Bankruptcy Law Firm Massachusetts\" href=\"https:\/\/massbklaw.com\/massachusetts-bankruptcy-lawyers\/bankruptcy-attorney-massachusetts\/westport-ma\/\">Westport MA<\/a><\/p>\n<p style=\"text-align: center;\"><a title=\"Late Car Loan Payments Bankruptcy Law Firm Massachusetts\" href=\"https:\/\/massbklaw.com\/massachusetts-bankruptcy-lawyers\/debt-forgiveness\/car-loan-payments\/\">Car Loan Payments<\/a> | <a title=\"Collection Agencies Bankruptcy Law Firm Massachusetts\" href=\"https:\/\/massbklaw.com\/massachusetts-bankruptcy-lawyers\/debt-forgiveness\/collection-agencies\/\">Collection Agencies<\/a> | <a title=\"Common Questions About Filing Bankruptcy Law Firm Massachusetts\" href=\"https:\/\/massbklaw.com\/massachusetts-bankruptcy-lawyers\/debt-forgiveness\/common-questions-about-filing-bankruptcy\/\">Common Questions About Filing Bankruptcy<\/a> | <a title=\"Credit Card Debt Bankruptcy Law Firm Massachusetts\" href=\"https:\/\/massbklaw.com\/massachusetts-bankruptcy-lawyers\/debt-forgiveness\/credit-card-debt\/\">Credit Card Debt<\/a> | <a title=\"Delinquency Notices Bankruptcy Law Firm Massachusetts\" href=\"https:\/\/massbklaw.com\/massachusetts-bankruptcy-lawyers\/debt-forgiveness\/delinquency-notices\/\">Delinquency Notices<\/a> | <a title=\"Eviction Notices Bankruptcy Law Firm Massachusetts\" href=\"https:\/\/massbklaw.com\/massachusetts-bankruptcy-lawyers\/debt-forgiveness\/eviction\/\">Eviction<\/a> | <a title=\"Filing Chapter 7 Bankruptcy Law Firm Massachusetts\" href=\"https:\/\/massbklaw.com\/massachusetts-bankruptcy-lawyers\/debt-forgiveness\/filing-chapter-7\/\">Filing Chapter 7<\/a> | <a title=\"Filing Chapter 13 Bankruptcy Law Firm Massachusetts\" href=\"https:\/\/massbklaw.com\/massachusetts-bankruptcy-lawyers\/debt-forgiveness\/filing-chapter-13\/\">Filing Chapter 13<\/a> | <a title=\"Financial Hardship Bankruptcy Law Firm Massachusetts\" href=\"https:\/\/massbklaw.com\/massachusetts-bankruptcy-lawyers\/debt-forgiveness\/financial-hardship\/\">Financial Hardship<\/a> | <a title=\"Foreclosure Bankruptcy Law Firm Massachusetts\" href=\"https:\/\/massbklaw.com\/massachusetts-bankruptcy-lawyers\/debt-forgiveness\/foreclosure\/\">Foreclosure<\/a> | <a title=\"Overdue Bills Bankruptcy Law Firm Massachusetts\" href=\"https:\/\/massbklaw.com\/massachusetts-bankruptcy-lawyers\/debt-forgiveness\/overdue-bills\/\">Overdue Bills<\/a> | <a title=\"Repossession&lt; Bankruptcy Law Firm Massachusetts\" href=\"https:\/\/massbklaw.com\/massachusetts-bankruptcy-lawyers\/debt-forgiveness\/repossession\/\">Repossession<\/a> | <a title=\"Sheriff Sale Bankruptcy Law Firm Massachusetts\" href=\"https:\/\/massbklaw.com\/massachusetts-bankruptcy-lawyers\/debt-forgiveness\/sheriff-sale\/\">Sheriff Sale<\/a> | <a title=\"Student Loan Debt Bankruptcy Law Firm Massachusetts\" href=\"https:\/\/massbklaw.com\/massachusetts-bankruptcy-lawyers\/debt-forgiveness\/student-loan-debt\/\">Student Loan Debt<\/a> | <a title=\"Tax Liens Bankruptcy Law Firm Massachusetts\" href=\"https:\/\/massbklaw.com\/massachusetts-bankruptcy-lawyers\/debt-forgiveness\/tax-liens\/\">Tax Liens<\/a> | <a title=\"Wage Garnishment Bankruptcy Law Firm Massachusetts\" href=\"https:\/\/massbklaw.com\/massachusetts-bankruptcy-lawyers\/debt-forgiveness\/wage-garnishment\/\">Wage Garnishment<\/a><\/p>\n<hr \/>\n","protected":false},"excerpt":{"rendered":"<p>Most people don\u2019t know when is it time to file personal bankruptcy even when debt issues are growing and growing, causing them to lose sleep, affecting their relationships with others and threatening their mental and physical well being. It is common for people in debt to think they just aren\u2019t trying hard enough or that [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":141,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[36,37,38,39,40,41,42,43],"tags":[78,77,76,47,52,57],"class_list":["post-305","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fall-river-ma","category-new-bedford-ma","category-raynham-ma","category-seekonk-ma","category-somerset-ma","category-swansea-ma","category-taunton-ma","category-westport-ma","tag-bankruptcy-attorney","tag-bankruptcy-law-firm","tag-bankruptcy-lawyer","tag-credit-card-debt","tag-overdue-bills","tag-wage-garnishment"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Time to File Personal Bankruptcy? - Massachusetts Bankruptcy Lawyers<\/title>\n<meta name=\"description\" content=\"Have questions about Personal Bankruptcy? 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