Nobody enjoys the thought of bankruptcy, but if you are reading this page you might be facing what feels like an unending string of bills, phone calls from creditors or collection agencies, sleepless nights, and the general sense of despair that can accompany financial problems. Worse yet, our society tends to make it difficult to talk about these problems which can lead to feeling all alone in the struggle to get back on your feet.
Given the emphasis society places on money, it is not unusual for a person to feel "bad" because of their financial situation. This is a shame since most personal bankruptcies are due to financial situations beyond the person's control whether it is a job loss, unexpected large medical bills, or the loss of a working loved one without life insurance. Whether your situation is caused by one of these or by other reasons, rest assured that we will treat you like a valued individual that just happens to have financial problems. Our goal is to help get you through this with respect, a view towards the "fresh start" that bankruptcy might be able to give you, and, yes, even humor when possible.
People tend not to talk about financial difficulties as much as they talk about other events. A friend having a personal injury claim from an auto accident? You'll probably hear about it. A lawyer who made a great estate plan for your cousin? You'll probably hear about it. A neighbor filing for bankruptcy? That's usually a different story. Because of this hesitancy, it is easy to not realize just how many people have filed for bankruptcy protection. In Massachusetts, approximately 1 out of every 280 people filed for bankruptcy just in 2011, and since 2008 approximately 1 out of every 78 people have filed. With an average of 2.5 people per household, that means that from 2008 to 2013, roughly one in every 31 homes has a person or family who has filed for bankruptcy. Think of the number of homes within a mile of you: Chances are you know people who have filed but haven't said anything and that there are others considering filing. You're not alone, and just like their bankruptcies didn't make the newspaper or evening news, your's most likely won't either.