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Qualifying for Repayment Bankruptcy

Meet with an Experienced Worcester Bankruptcy Lawyer

Chapter 13 bankruptcies allow individuals and sole proprietors overwhelmed by debt to apply for relief through the courts. This form of bankruptcy is beneficial for those who want to ensure that they do not lose their homes, vehicles, or other important assets through liquidation in Chapter 7. Many people are forced to seek bankruptcy relief due to unexpected circumstances such as job loss, a serious illness, accident, or some other event causing unforeseen and large expenses. Once filed, an automatic stay put into effect by the court protects the filer from creditor harassment.

If you are contemplating some form of bankruptcy to handle your debt overload, it is important to seek knowledgeable legal advice from a respected attorney. As a Worcester bankruptcy lawyer who has successfully handled 5,000 cases, I can provide the legal services you need. At Morrison & Associates, my primary goal is to bring about positive changes in the lives of my clients through responsive and skilled legal action.

Find out how to qualify for a repayment bankruptcy by contacting Morrison & Associates at (508) 928-3038 or through the online form.

What are the Qualifications for a Repayment Bankruptcy?

In Chapter 13, you will usually end up paying some but not all of your debt in a monthly repayment plan. Unlike Chapter 7, you will not have to qualify for a Chapter 13 repayment bankruptcy through the Massachusetts means test. The main qualification that the courts will look at is your ability to repay your debt over a three- or five-year period.

To qualify you must:

  • Be current on your income tax filings
  • Not exceed total secured and unsecured debt limitations per bankruptcy law
  • Maintain a steady income stream with which to make your monthly payment
  • Prove that you are an individual (businesses cannot file a Chapter 13)

If you qualify, your plan is approved by the court, and you complete the terms of your repayment plan, whatever is left of your unsecured debt will be discharged at its completion.

Skilled Legal Assistance in Massachusetts

A Chapter 13 repayment bankruptcy is often a good choice for those who do not qualify for a Chapter 7, those who are behind on their home mortgage payments, and those who are behind on debts that would cause a wage garnishment. This form of bankruptcy will give you the breathing room to regain control of your finances. As your Worcester Chapter 13 bankruptcy attorney, I have the knowledge and experience to help ensure that your bankruptcy filing is the right action for you and that it is completed in a thorough and professional manner.

Contact me to get started by calling (508) 928-3038 today.

Client Testimonials

  • “Angel on Earth - did a remarkable job”

    Angel Kelley

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


  • “"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

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


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


  • “Person at my side through entire process.”

    Daniel G.

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


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


  • “Always there for you!!!”

    D & J Pelo

  • “Always There for you!!!”

    D & J

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

    Very professional

  • “Prompt response and streamlined process!”


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

    Janet Sweeney