Debt and Bankruptcy
West Springfield, Massachusetts Chapter 7 Bankruptcy Lawyers

In today's economy, a lot of people have been forced to the edge of financial crisis. Credit cards and payday loans may provide enough to get by, but a single emergency can sink them. Debt counseling does not work for many people because they have more debt than they can ever successfully repay.

If you are facing overwhelming credit card debt or other bills you cannot pay, Johnson, Sclafani & Moriarty can help. By guiding you through a Chapter 7 bankruptcy, we can put a stop to creditor harassment, wage garnishment and repossessions.

Contact us today to schedule a free in-office case evaluation. Our goal is to help you see the light at the end of the tunnel.

Credit Card Debt Attorneys Helping the West Springfield Area

If you have overwhelming debt, our firm will work with you throughout the process of filing a Chapter 7 bankruptcy. Our experienced attorneys will carefully explain what you can expect, why it is important to have a knowledgeable lawyer by your side, and help you to understand the process. We strive to save any assets that are important to you.

Putting a Stop to Foreclosure

Most people pay their mortgage, even at the expense of their other debts. If you are getting to the point where you are going to start missing mortgage payments and need to save your house, we can work with you.

It is getting more common today for people to be in foreclosure, but they still may not be candidates for Chapter 7 bankruptcy. Where possible, our firm can help negotiate payment plans to stop the foreclosure as soon as possible.

You may choose not to save your house — but just let it go and get on with your life. If that is your plan, you need to know that it is important to file bankruptcy before the foreclosure is final. If your home is foreclosed on, you could be taxed on the mortgage amount you owed. Bankruptcy stops this from happening.

Our firm also handles short-sale negotiations with your bank if you are looking to get out of your house and avoid foreclosure. You can rely on us to help you decide if negotiations are your best option, or if filing bankruptcy would help you more.

We Offer E-Filing for Your Convenience

Our firm is prepared to file your Chapter 7 bankruptcy work online. We can e-mail you a questionnaire to fill out in the comfort of your own home. We can get e-mails from the court and file at any time of the day or night.

Contact our West Springfield, Massachusetts, law firm online for more information. We are ready and able to help you achieve financial freedom.