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The Bankruptcy Process

What You Can Expect During a Bankruptcy Filing

Bankruptcy is a legal action designed for those who cannot pay off their debts.

It is often is sought by individuals due to difficult circumstances such as:

  • An illness
  • Accident
  • Job loss
  • Divorce
  • Or other circumstances that contribute to significant debt

If you are drowning in debt, bankruptcy may be the right solution for you. As your Worcester bankruptcy attorney, I can help you understand the legal options available to you and begin the bankruptcy process should it be appropriate.

The timeline of what will occur will then be based on the type of bankruptcy you seek.

Request a consultation online or by calling Morrison & Associates at (508) 928-3038 today.

What Are the Steps Taken in Bankruptcy?

The first step in the bankruptcy process is to go through credit counseling with an approved agency six months prior to filing. You will also have to complete a financial management course after filing.

The next step will be to take the means test to determine your eligibility for Chapter 7. If you do not qualify, you will need to file for Chapter 13 bankruptcy.

You will need to gather all of the financial information needed by the court, such as:

  • Your income sources
  • Major financial expenditures in the last two years
  • Your monthly expenses
  • Your secured and unsecured debts
  • Your assets and property

You will then be able to determine what property is exempt from liquidation in a Chapter 7 filing. For a Chapter 13 filing, you will need to create a repayment plan that must be submitted to the court.

This plan will allow you to pay creditors over a three- or five-year period. Once you have filed, you will then be protected by an automatic stay from the court that will prohibit your creditors from contacting you for payment.

In Chapter 7, a trustee will be appointed to handle your case. The trustee will arrange for a meeting of your creditors which you will attend.

Any non-exempt property will then be liquidated to pay off your creditors. Once that occurs, the remainder of your debt will be discharged. This process takes about three to six months.

In Chapter 13, if your repayment plan is accepted by the court, you will then begin making the payment each month until you have fulfilled the plan terms. At the end of the term, whatever remains of your debt will be discharged. This process generally takes three to five years.

Contact Morrison & Associates to learn more about how bankruptcy works at (508) 928-3038 or to speak to a Worcester bankruptcy lawyer about your situation.

Client Testimonials

  • “Person at my side through entire process.”

    Daniel G.

  • “Always there for you!!!”

    D & J Pelo

  • “Angel on Earth - did a remarkable job”

    Angel Kelley

  • “Always There for you!!!”

    D & J

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

    Janet Sweeney

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


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


  • “"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

  • “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,”


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


  • “Prompt response and streamlined process!”


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

    Very professional