Boston Bankruptcy and Foreclosure Defense Attorney

Parker & Associates

10 Converse Place Ste. 12 Winchester, Massachusetts 01890 USA

 (781) 218-3487 or (866) 551-7856
 (781) 729-0187

www.ninaparker.com
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Law Firm Overview Free Consultation

Parker & Associates combines 30 years of experience working with individuals and small businesses in bankruptcy and debt restructuring matters. In most situations, if you are thinking about filing bankruptcy, it is probably the right solution. Bankruptcy can free you from debt while protecting your assets. Although it will take time and money, bankruptcy offers the fresh start and the relief many people need. Whether health problems, divorce or job loss led to your debt, we can help you find the resources you need to move forward. We work to offer clients the fresh start they need by addressing problems and finding solutions.

In most situations, if you are thinking about filing bankruptcy, it is probably the right solution. Bankruptcy can free you from debt while protecting your assets. Although it will take time and money, bankruptcy offers the fresh start and the relief many people need. We understand that individuals who contact our firm are in deep distress and do not want to wait for answers. Because we take a team approach to solving bankruptcy matters, there is always an attorney available to answer your questions. You will never meet with a paralegal, and you will never be left wondering what you should do next.

If you are thinking about filing bankruptcy, it is important to contact an experienced lawyer who can help you understand what options you have with bankruptcy. At Parker & Associates, we have nearly 30 years of experience helping individuals and businesses in Winchester and throughout the surrounding Massachusetts communities file Chapters 7, 11 and 13 bankruptcy.

Practice Areas

Practice Areas Description

- Bankruptcy

If you are thinking about filing bankruptcy, you are probably concerned with a number of things: How long will the bankruptcy affect your credit score? Who will find out that you filed bankruptcy? Will you be able to keep your home? How soon will the creditors stop calling? Is filing bankruptcy an indication of personal failure? At Parker & Associates, we can help you find the answers you need to questions about bankruptcy, debt and your financial options.

- Chapter 7 Bankruptcy

If you are overwhelmed with debt, you may be wondering what options you have. Many people who think about filing bankruptcy are worried about how it will impact their credit score or whether they will be able to keep their home and car. If that is the situation you are facing, Chapter 7 bankruptcy might be the right solution for you. If you are behind on your bills, deciding to file bankruptcy is a big decision. The process can seem lengthy and complicated, so it is important to work with an attorney who can offer legal guidance at every step of the process.

- Chapter 11 Bankruptcy

Chapter 11 bankruptcy is available for individuals who have large debts or assets to protect and for individuals operating unincorporated businesses or sole proprietorships as well as for corporation, Limited Liability Corporations (LLC's), partnerships and other entities in need of reorganization. Chapter 11 bankruptcy can be an effective tool used to retain assets or restructure businesses that are having financial difficulty. When real estate is involved, Chapter 11 bankruptcy offers many alternative ways in which owners can restructure or catch up on past due payments or in some instances to sell property as ways to modify financial obligations.

- Chapter 13 Bankruptcy

When you file Chapter 13 bankruptcy, a Winchester Chapter 13 bankruptcy attorney helps you submit a debt repayment plan where your debts are consolidated into one plan, and you make payments under that plan over a three to five year period. If all your payments are made under that Plan, any eligible (dischargeable) debts remaining after your payment plan is completed are discharged. For many people, their home and their businesses are two of the most important things in their lives they want to protect. If you are behind on your mortgage payments and are worried about losing your home, if you owe taxes, or if you have your own business which is in financial trouble, Chapter 13 may be the relief you need.

- Foreclosure Defense

For most people, mortgage payments are the largest expense in the budget. Many people spend months saving to buy a home and years working to improve it and maintaining it for their family. With so much invested, it can be frightening when the bank threatens to foreclose your home because of late or missed payments. If you are facing home foreclosure, you may be worried about what options you have and whether you will lose your home if you are unable to make payments immediately. If that is the situation you are facing, it is important to know that experienced Winchester lawyers can help you stop foreclosure and stay in your home.

- Loan Modifications

Although modifying your loan can be an effective way to regain control of your finances, the loan modification system is not perfect. In fact, it is far from it. There are a few government programs that offer modifications, but many individuals submit and resubmit applications only to be turned down repeatedly. Because we have nearly 30 years of experience handling bankruptcy matters, we understand the criteria for loan modifications. We are committed to working with lenders and with our clients to submit effective loan modification requests to prevent foreclosure. If you are interested is using a loan modification to stay in your home, it is important to have an experienced lawyer help you with the loan modification.

- Creditor Harassment

When a person files bankruptcy, an automatic stay goes into effect immediately. The automatic stay prohibits creditors from making any further collection efforts or contacting debtors for any reason. If creditors do not stop collection efforts, they can be punished by law. It is important to know that even if you do not file bankruptcy, we may still be able to work with the creditors so they stop harassing you. In some situations, we encourage creditors to call us directly. In other situations, we are able to work out payment plans to stop the harassment.

- Judgments and Liens

Many people who have judgments or liens on their homes worry about how they will be resolved. Although a judgment or lien can have negative consequences on the property, it cannot prevent you from filing for bankruptcy. On the contrary, in most instances, both judgments and liens can be resolved through bankruptcy. If a judgment or lien is preventing you from refinancing your home or selling property that is no longer within your budget, an experienced Winchester judgments and liens attorney can help. A judgment or lien may make you feel as though you are locked into a property until you pay your creditor. That does not need to be the case. We are experienced debtors rights advocates, and we can help you regain control of your financial freedom.

- Tax Debts

When an individual files for relief under a Chapter 11 or Chapter 13 bankruptcy, a repayment plan can be used to pay off your tax debt, typically in three to five years. Unlike repayment plans, once you file bankruptcy, penalties — and in most cases interest — stop accruing, so the amount you owe the taxing authority will remain constant. When we work with individuals to help them resolve their tax debts, we often work with an accountant to determine the most effective payment plan. Although many accountants offer the same service to individuals who are not filing bankruptcy, you will not receive the same benefits. Working directly with a payment plan with the taxing authority does not stop interests and penalties from accruing, so even after you work out a payment plan, you may still be responsible for additional payments.

Attorneys

Ms. Nina M. Parker Attorney Bankruptcy, Debt Relief, Debtor and Creditor

More Information on Parker & Associates

Boston, Massachusetts Bankruptcy Attorney
Chapter 7 Bankruptcy Lawyers in Winchester, MA
Winchester, Massachusetts Chapter 11 Bankruptcy Law Firm
Chapter 13 Bankruptcy Attorney in Winchester, MA
Winchester, Massachusetts Foreclosure Defense Lawyers
Loan Modification Law Firm in Winchester, MA
Winchester, Massachusetts Creditor Harassment Attorneys
Judgments and Liens Lawyer in Winchester, MA
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