Do I Need a Lawyer to File Bankruptcy in Massachusetts?
Filing for bankruptcy is a big decision—one that can bring much-needed relief but also carries long-term consequences. While it may seem like something you can handle on your own, bankruptcy law is complex, and even a small mistake can lead to serious setbacks. That’s why having an experienced bankruptcy attorney on your side is not just helpful—it’s essential.
1. Bankruptcy Law Is Complicated
Bankruptcy involves strict federal laws, detailed paperwork, deadlines, and legal procedures that vary by chapter (e.g., Chapter 7 vs. Chapter 13). Understanding which type of bankruptcy is right for you—and whether you qualify—isn’t always straightforward. A knowledgeable attorney can evaluate your financial situation and guide you toward the option that best meets your needs and long-term goals.
2. Mistakes Can Be Costly
Filing incorrectly or missing key documentation can result in your case being delayed, dismissed, or even denied. Common pitfalls include failing to list all assets or debts, not completing required credit counseling, or misunderstanding exemption laws. An attorney ensures everything is completed properly and on time, minimizing the risk of costly errors.
3. You’ll Be Protected from Creditors
Once your case is filed, an “automatic stay” goes into effect, which stops most creditors from calling, suing, or collecting. However, some creditors may still try to challenge your bankruptcy or seek exceptions. Your attorney acts as a shield—handling communications, protecting your rights, and representing you in court if disputes arise.
4. You’ll Understand Your Rights and Responsibilities
Bankruptcy can eliminate or restructure debt, but it doesn’t wipe out every type of financial obligation. Student loans, certain taxes, or support payments may remain. An experienced attorney will explain what debts can be discharged, what you must repay, and what life after bankruptcy will look like so you can rebuild with confidence.
5. Peace of Mind
Perhaps the biggest benefit of working with a bankruptcy attorney is peace of mind. You’ll have someone in your corner who understands the system, cares about your outcome, and can help you avoid surprises. That kind of support makes all the difference when navigating a process as stressful and significant as bankruptcy.
At Sclafani & Moriarty, we’ve helped hundreds of clients across Western Massachusetts file for bankruptcy with clarity, strategy, and confidence. If you’re struggling with overwhelming debt, don’t go through it alone—reach out for a consultation and take the first step toward financial relief.
📞 Contact us today for a free, initial consultation to learn how we can help. 413-732-8356.
Would you like this optimized for SEO or turned into a printable handout for clients?
