Law FirmForeclosure LawBankruptcy AttorneyCredit Counseling ServiceCommercial Bankruptcy Law
Our team at Wendy M. Mead, P.C. understands that financial difficulties can be overwhelming. With over 25 years of experience in consumer and commercial bankruptcy, we're here to provide you with compassionate, judgment-free legal support. Our dedicated lawyers offer guidance tailored to each client’s situation. Our woman, minority, and locally owned law firm in Worcester, MA serves clients throughout Massachusetts, offering personalized solutions to help you regain control of your financial future. We help clients through job losses, pandemic repercussions, unemployment issues, and more.
I got my discharge today, and Wendy and Paula made my Chapter 7 as easy and painless as possible. I'm so thankful for both of them and I couldn't be happier with the outcome.
AL
Amy-Jean Leblanc
Feb 13, 2022
5.0
Wendy is a professional with a heart. When I needed legal advice she was there to offer her professional knowledge, guidance, opinion and support. She took time to make sure that all information was explained clearly and if needed made time to reinforce that understanding. Wendy makes her clients a priority in all capacities. She is fair, ethical, supportive and knows what she is doing. I have had the pleasure of having her assistance through 2 situations. Through both she relieved the burden of stress and instilled an immense sense of relief & confidence. I can't begin to express the gratitude I have for her.
BS
Bob Sposato
Jul 15, 2021
5.0
Wendy is amazing! She is professional, empathetic, timely and the list goes on. I had a different attorney deal with a business issue and the job wasn’t done.I was referred to Wendy and she cleaned up the mess. I now call Wendy for all of my legal issues. Her fees are more than fair and the job gets done! I can’t say enough about what she did for me.
KC
Karen Cadrin
Jun 22, 2021
5.0
Wendy has been a valued and trusted resource for my real estate transactions. She is extremely professional, knowledgeable and competent. She has no problem in pushing back or demanding action when needed.
I would not hesitate in contracting with Wendy for any legal matter.
Frequently Asked Questions About Wendy M. Mead, P.C.
How do I know if I am eligible to file a Chapter 7 bankruptcy?
Eligibility for Chapter 7 bankruptcy in Worcester, MA is determined by your household income. The federal government has established median income standards for each state based on household size. During your consultation, your attorney will discuss the specific median income thresholds that apply to your household situation.
If I am behind on my mortgage, how do I file for bankruptcy and keep my home?
Filing for Chapter 13 bankruptcy can provide you with up to 60 months to pay off mortgage arrears or other secured debts. You'll need to demonstrate your ability to make regular monthly payments alongside your Chapter 13 plan payment. This plan payment will include an amount for your arrears and a portion of your unsecured debt. You must also maintain current private real estate insurance. Our Worcester, MA bankruptcy lawyer can guide you through this process.
What is a discharge?
A discharge, under federal bankruptcy law, releases a debtor from personal liability for certain specified debts. This means you're no longer legally obligated to pay discharged debts. It acts as a permanent order preventing creditors from pursuing collection actions on these debts, including legal action or direct communication. While discharged debts are no longer your personal responsibility, valid liens not avoided in the bankruptcy case will remain. For clarification on discharges, consult with our Worcester, MA bankruptcy attorney.
Will my creditors keep contacting me?
Creditors may continue to contact you until you officially file for bankruptcy. Once your petition is filed and creditors are notified of your case number, they're prohibited from taking any collection actions. This includes sending letters, making phone calls, or initiating legal proceedings. For more details about creditor communication during bankruptcy in Worcester, MA, reach out to Wendy M. Mead, Attorney.
Can I keep my home and car if I file for bankruptcy?
It's possible to retain assets secured by loans if you can maintain payments and insurance on these items. Your Worcester, MA bankruptcy attorney will advise you on which payments must continue after filing and what arrears, if any, need to be brought current.
Are all debts dischargeable?
Not all debts can be discharged in bankruptcy. Non-dischargeable debts include unlisted debts, child support, alimony, court-ordered support payments, liabilities from DUI-related injuries or deaths, fraudulently incurred debts, most student loans, most tax liabilities, and criminal restitution orders. For a detailed assessment of your debts' dischargeability, schedule a consultation with our Worcester, MA bankruptcy lawyer.
Does my spouse have to file?
An individual can file for bankruptcy without their spouse if the debts are solely in their name. However, if the spouse is a co-obligor on any debt, they would remain liable unless they also file. It's important to note that even in an individual filing, the bankruptcy code requires reporting of the entire household's income. For personalized advice, consult with our Worcester, MA bankruptcy attorney.
How often can I file?
You may file a subsequent Chapter 7 bankruptcy eight years after receiving a discharge in a previous bankruptcy. This timeframe can vary if you're considering filing for Chapter 13 bankruptcy. Your attorney will discuss how your personal bankruptcy history might affect a new filing. For more information about filing frequency in Worcester, MA, contact our office.
What property can I keep?
Each state offers certain exemptions allowing you to retain personal property and real estate. Massachusetts is among the few states that let you choose between federal exemptions or state exemptions. Your Worcester, MA bankruptcy attorney will help determine which option is most beneficial for you. Be aware that items considered 'luxuries' may not be exempt and could be liquidated by the bankruptcy trustee to benefit your creditors.
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