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Worcester Chapter 7 Bankruptcy Lawyer - (508) 928-3038

File for Liquidation Bankruptcy in Massachusetts

Under U.S. federal law, Chapter 7 is a common form of bankruptcy available to individuals and businesses that wipes out various types of debt. It is referred to as both “straight” bankruptcy as well as “liquidation” bankruptcy due to the fact that the filer’s property is liquidated to pay off creditor debt. Chapter 7 is pertinent for those who have accumulated insurmountable debt, especially unsecured debt, such as credit card debt.

Why Call My Chapter 7 Bankruptcy Firm?

  • Free Consultation + $0 Down
  • Available Weekends & Evenings
  • Over 20 Years of Legal Experience
  • More Than 5,000 Cases Handled

If you are facing crushing debt, you may be eligible for a Chapter 7 filing. As your Worcester Chapter 7 bankruptcy attorney, my goal is to find the best legal way to restore your financial health. I can discover what will- best fit your needs based on the facts of your situation. Should Chapter 7 be right for you, I will ensure that you fully understand the procedure, its eligibility requirements, and its consequences for your future.

Want a financial clean slate? Contact my Worcester office for a free initial consultation to discuss your options. Call (508) 928-3038 or submit an online form today.

How Does Filing for Chapter 7 Bankruptcy Work?

First, a "means test" will determine whether your income qualifies for filing for Chapter 7 bankruptcy. Those who don't qualify can file for Chapter 13.

During the bankruptcy process, all of your property and assets that are not exempt are gathered into a bankruptcy estate. These assets are then sold by your bankruptcy trustee in order to pay off your debts. Certain debts cannot be wiped out using a Chapter 7 filing.

Debts which cannot be discharged include:

  • Student loans
  • Child support
  • Alimony
  • Divorce property settlements
  • Property taxes
  • Fines
  • Court-ordered restitution
  • Income taxes for the last three years

In a Chapter 7 filing, certain assets are exempt from liquidation, either through state or federal exemption guidelines. In Massachusetts, state exemptions are much more generous than federal. These include exemptions for your home, vehicle, and more.

Once you file for a Chapter 7 bankruptcy, your creditors can no longer call or contact you in any way to demand payment.

Find Out if Filing for Chapter 7 is Right for You!

My extensive experience in handling the financial situations of people across the state has given Morrison & Associates a leading edge in the bankruptcy field. My priority is to lead you to debt relief and to the peace of mind that comes with a clean slate and a fresh start.

Get started on your path to financial freedom. Call your Worcester Chapter 7 bankruptcy lawyer today at (508) 928-3038!

Client Testimonials

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

    Very professional

  • “Always there for you!!!”

    D & J Pelo

  • “Angel on Earth - did a remarkable job”

    Angel Kelley

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


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


  • “Always There for you!!!”

    D & J

  • “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.”


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