Worcester's Top Bankruptcy Attorney
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Alternatives to Bankruptcy

Worcester Debt Relief Lawyer Finding Solutions that Work for You

Bankruptcy is not always the best solution if you are struggling with debt or being harassed by creditors. Anyone who is contemplating filing for Chapter 7, Chapter 11, or Chapter 13 bankruptcy should understand the consequences of doing so, especially as it affects your credit rating and even your social standing. Filing for bankruptcy should be carefully considered before you take the leap. Other alternatives to bankruptcy should be explored as well, based on the particulars of your financial situation.

At Morrison & Associates, I have provided both bankruptcy and bankruptcy alternative actions for clients throughout Massachusetts for over 20 years. As a full-service Worcester bankruptcy lawyer, I am well-versed in all of the available strategies for handling debt relief. Your first step is to take action by consulting with me concerning your unique financial dilemma so that we can determine the right way to resolve it for you.

Explore your debt relief options by contacting Morrison & Associates at (508) 928-3038 or through the online message form today.

Personalized Debt Relief Strategies

The type of bankruptcy alternative that will be optimum for you will depend on your particular objective. If you are drowning in debt and need a way to handle your creditors, several options may be more ideal than filing bankruptcy.

These alternatives include:

  1. If your creditors have engaged in unlawful harassment tactics, you can take legal action against them. State and federal collection laws have been enacted to stop creditor conduct that is abusive to consumers.
  2. You can contact and negotiate with your creditors concerning your outstanding debt. By communicating with them about your situation, you may be able to permanently or temporarily lower your debt or interest rate, create a payment plan, make a lump sum payment which leads to better terms or works out some other better arrangement.
  3. Work with a nonprofit credit or debt counseling agency that can provide assistance in helping you to negotiate with creditors, repay your debt, and improve your financial future.
  4. As a last resort, seek a debt consolidation loan that pays off your creditors completely. You will then only have one payment to make each month to pay off the loan.

As your Worcester bankruptcy alternatives attorney, I can walk you through all of the alternatives based on your situation so that you can make an informed decision. I can then take any subsequent legal action necessary to bring about the debt relief you need.

For debt settlement or relief, contact me at (508) 928-3038 as soon as possible.

Client Testimonials

  • “It was obvious to me that he was a professional who was experienced in helping people in my situation. Highly recommended”


  • “The help he gave me during this difficult time was appreciated more than I could express.”


  • “Troy is the most professional and knowledgeable attorney for any type of case,”


  • “Prompt response and streamlined process!”


  • “He met with me the day I called and filed in time to save my home.”


  • “Troy is the most professional and knowledgeable attorney for any type of case”


  • “Troy helped us get on the road to getting our lives back”

    Very professional

  • “Easy to talk ... helped me feel comfortable about the BK process”

    Janet Sweeney

  • “Angel on Earth - did a remarkable job”

    Angel Kelley

  • “Always There for you!!!”

    D & J

  • “Always there for you!!!”

    D & J Pelo

  • “"If you can't fly then run. If you can't run then walk. If you can't walk then craw. But whatever you do, you must keep moving forward." - Martin Luther King Jr.”

    Ruby Vincent

  • “Person at my side through entire process.”

    Daniel G.