351 Pleasant Street, Suite B-348
Northampton, MA 01060
tel. (508)797-0200
fax (508)797-0201
If your goal is to keep your house and you are behind on your mortgage, you will likely need to file a Chapter 13 bankruptcy. A Chapter 13 bankruptcy plan will need to propose a payment that is, at a minimum, sufficient to pay off all of your pre-petition mortgage arrears in no more than…… Continue Reading
While the vast majority of my clients have never been involved in a bankruptcy before coming to see me, the current state of the economy does cause some people to re-visit bankruptcy. Lately, I have had some potential filers come to me asking whether a prior filing will bar them from filing again. A simple,…… Continue Reading
Periodically the United States Trustee, taking information from the Internal Revenue Service and the United States Census Bureau, revises certain information used by bankruptcy filers in completing the means test. Effective November 1, 2010, new median income figures will go into effect, which will impact most potential bankruptcy filers when they determine whether they are…… Continue Reading
State law marriage rights are impacted by Federal DOMA law in Bankruptcy.… Continue Reading
Certain tax debts can be discharged in a bankruptcy proceeding.… Continue Reading
Many of my clients come to me when they are facing foreclosure or eviction and face the very real possibility of having nowhere to go and can no longer stay in their home. Bankruptcy, used strategically, can help many of these clients to either stay in their homes permanently, or at least buy them some…… Continue Reading
In 2005 Congress passed the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA)which then-President Bush signed into law. Among the many changes that BAPCPA brought with it was a new “means test” which required all personal bankruptcy filers to calculate their adjusted income against the median income for a family of the same size in…… Continue Reading
Very often my clients will ask me if they will lose everything if they file a Chapter 7 bankruptcy. While Chapter 7 is liquidation, most individuals filing for bankruptcy protection under Chapter 7 have their cases deemed “no asset cases” by the appointed Chapter 7 trustee. This is not to say that the people have…… Continue Reading
The IRS issued updated median income figures for each state, which are used in the Means Test…[which determines whether] you are eligible to file for relief under Chapter 7… [or] for Chapter 13.… Continue Reading
The Law Offices of James Wingfield is proud to be a debt relief agency. We help the individuals, families and small businesses of the Worcester area file for bankruptcy relief under the United States Bankruptcy Code. The Law Offices of James Wingfield serves Central and Western Massachusetts clients in Worcester County, Hampden County, Hampshire County and Middlesex County including Worcester, Shrewsbury, Springfield, Westborough, Southborough, Framingham, Northampton, Natick, Amherst, Fitchburg, Leomister, Douglas, Uxbridge, Gardner, Belchertown, Holyoke, Wilbraham and Chicopee. The information contained and obtained in this website does not, nor is it intended to be, legal advice. Contacting us, be it through this website, via email of by telephone does not create an attorney-client relationship. An attorney-client relationship is only created upon execution of an engagement agreement or fee agreement.
