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Category Archives: Chapter 13

“What happens to my mortgage in bankruptcy if I have not been paying?”

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

The Means Test Revised

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

Chapter 13 Instead of Chapter 7?

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

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.