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At
the Law Offices of Geraldine Kluska,
we are dedicated to providing
quality and affordable legal assistance
to clients who are facing the
difficult decision of filing bankruptcy
in Massachusetts. For more than
fifteen years, we have provided
advice and representation in bankruptcy
cases to both consumer and small
businesses. We understand how
stressful it can be to be hounded
by creditors and burdened with
debt.
Our bankruptcy lawyers can assist
you in stopping harassing creditors'
calls, foreclosures, repossessions,
lawsuits, utility shut-offs, tax
levies and seizures, and wage
garnishments. We can help you
keep your home, business, automobiles,
pension/retirement accounts and
other assets. A bankruptcy discharge
will eliminate most, if not all,
of your debt and give you a fresh
start, debt-free!
Don't delay any longer-if you
have been unable to pay-off your
credit card for a year or more,
nothing is going to change, unless
you win the lottery or start earning
a lot more money. The longer you
wait to file bankruptcy, the longer
it will take to start over and
rebuild your credit. It only takes
a year or so to be on your way
to financial freedom (you can
start rebuilding your credit immediately
after your case is closed with
a secured credit card and can
normally buy a home a year later).
The whole process takes about
four months if you file a chapter
7 or straight bankruptcy--the
chapter most people file under.
If you are a high wage earner
with non-exempt assets, we can
help you file under chapter 13-reorganization
of your debt-and establish an
affordable payment plan for you
to pay back a small portion of
your debt.
Small
Businesses
If you are a small
business owner, you may benefit
from a chapter 13 if you are unincorporated
or a chapter 11 if you are incorporated.
Both chapters 11 and 13 allow
you to stay in business and reorganize
your debt by paying only a portion
of it under a plan of reorganization
filed and approved by the bankruptcy
court. Or if you would like to
close your business and liquidate
your assets, if any, and discharge
your remaining debt, then chapter
7 is for you.
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