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Worcester Bankruptcy Exemptions Attorney

Helping You Work to Keep Your Property while Filing for Bankruptcy

Many people believe they will lose everything when they file for bankruptcy. Under state and federal law, however, that is not the case.

Certain property is exempted from being sold off to pay your creditors. The federal government, as well as the state of Massachusetts, provides a detailed list of property and assets that are exempt from being put into the bankruptcy estate and sold.

When you file for a Chapter 7, you must list all of your assets and debts, including:

  • Those that are exempt
  • Those that are non-exempt

As your Worcester bankruptcy lawyer at Morrison & Associates, I can then determine your eligibility, what property you will retain, and what debts you can discharge. Throughout the process, we will work together to establish the best way to bring about the financial relief you need.

Having successfully handled 5,000 cases for clients throughout Massachusetts, I have enormous experience in dealing with every aspect and nuance of bankruptcy.

Connect with Morrison & Associates through the confidential online form or by calling (508) 928-3038 today.

What Exemptions are Allowable in Massachusetts?

Allowable property exemptions are listed by both the state and the federal government. You must take exemptions from one or the other source; you cannot take exemptions from both.

At this time, the state of Massachusetts is a more generous source of exemptions. These exemptions will be excluded from the bankruptcy process, allowing you to maintain a home so that you can continue to work.

Examples of what you can exempt under Massachusetts law include:

  • Up to $500,000 equity in your home or $1 million for two who are disabled or elderly
  • $7,500 exemption for your vehicle or up to $15,000 for the handicapped or elderly
  • Your clothing and bedding
  • Up to $15,000 in furniture
  • $500 per month for utilities
  • $600 per month for provisions
  • Up to 85% of your gross earnings
  • All of your retirement benefits or pension
  • A wildcard exemption of $1,000 plus an additional $5,000 in unused exemptions for your vehicle, furniture, or tools

Work with a Seasoned Worcester Bankruptcy Attorney

The bankruptcy process requires a huge amount of planning and documentation. As your attorney, I am fully prepared to assist you each step of the way as you move forward to financial relief.

My firm is devoted exclusively to bankruptcy and credit matters which has given Morrison & Associates a strong reputation for effectiveness.

Request a free, initial consultation with our Worcester bankruptcy exemptions lawyer at (508) 928-3038 or contact us online today.

Client Testimonials

  • “Person at my side through entire process.”

    Daniel G.

  • “Always there for you!!!”

    D & J Pelo

  • “Prompt response and streamlined process!”


  • “"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

  • “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,”


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


  • “Always There for you!!!”

    D & J

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


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


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

    Very professional

  • “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”