People who file for bankruptcy sometimes get stereotyped as irresponsible or selfish. The truth is that anyone can find themselves in a dire financial situation. All it takes is an unforeseen disaster, the loss of a job, or a long illness, and good hardworking people can find themselves deeply in debt.
At the offices of Boston bankruptcy lawyer Joshua Spirn & Associates, we believe in second chances. We believe that anyone can reorganize their finances, get rid of their debt, restore their credit rating, and begin working towards financial stability. If you are struggling to cover your basic needs, or facing more debt than you can cope with, there is a way out of your current situation.
Let us show you why filing for commercial or consumer bankruptcy may be the best financial option for you or your business, and how a fresh start may help you better manage your funds and restore your livelihood.
Boston Bankruptcy Practice Areas
Boston bankruptcy attorneys Joshua Spirn & Associates primarily focus on the following forms of consumer and commercial bankruptcy:
Chapter 7 Bankruptcy
Chapter 11 Bankruptcy
Chapter 13 Bankruptcy
We are dedicated to helping individuals and businesses out of a bad place. In addition to helping you file bankruptcy, we can also help you through the process of debt negotiation. Whatever your financial situation, we will be happy to help you with your fiscal problems.
Why File for Bankruptcy?
If your family or business is suffering financially, filing bankruptcy may be a wise decision. The immediate benefit of filing for bankruptcy is gaining some breathing room. An automatic stay will be imposed on your creditors so they will not be able take action â such as foreclosure â against you. This will give you a chance to focus on getting your finances and your life back in order.
Another possible benefit is the opportunity to have certain debts discharged. Credit card debts, for example, are often dischargeable. This means that you may only need to repay them in part, or they may be forgiven entirely. Although not all debts can be discharged, your financial burden can be greatly reduced through this process.
If you decide to file for a Boston bankruptcy, your non-dischargeable debts will eventually be repaid. You may sell some of your assets under Chapter 7, or develop a repayment plan under Chapter 11 or 13. Either way, you will soon be able to enjoy the freedom of being completely out of debt.
In the long term, having your debts discharged or working out a way to pay them off will repair your damaged credit. A Boston bankruptcy attorney can help you take the financial load off your back and face life with no debt and a clean slate.
Boston Bankruptcy Attorneys with Experience
Joshua Spirn was educated at Clark University and Boston University School of Law. For more than 10 years, he has been working with clients to protect their legal rights and help them repair their lives. He has built his law firm by working with experienced and highly qualified legal professionals.
If your family or business is experiencing harassment from creditors, mounting bills, or other financial burdens, we can help. Our Boston bankruptcy law firm will give your case the close attention and dedication it requires. Whether you need representation in court, or just advice about your best options, we are ready to help in any way we can.
20 Park Plaza, 4th Floor
Boston MA 02116