Why File Bankruptcy?

The legal system can be intimidating, especially if you have never been involved in a legal matter before. So, why file bankruptcy instead of pursuing other options outside the courts? Our experienced attorneys can explain how bankruptcy offers protections debt settlement companies cannot, as well as answer your questions about the bankruptcy process.

Call our firm for a free initial consultation. With offices throughout the region, you can contact us at

in Massachusetts or at
in Connecticut. We offer payment plans.

Bankruptcy Protects You And Your Assets From Creditors

At Forghany Law P.C., we have helped many people who were afraid that bankruptcy would require them to sell all of their possessions or force them to live like paupers during the repayment period of a Chapter 13 bankruptcy. This is simply not true. In bankruptcy cases, state and federal exemptions protect many assets from creditors.

This allows debtors to keep most, if not all, of their property, including their homes, vehicles and personal items. From the date you file Chapter 7, all of your earnings are protected from creditors. If you file Chapter 13, your monthly payments will be determined by the amount of your debt, the length of your repayment plan and your reasonable living expenses. The court will not require you to pay more than you can afford.

Bankruptcy Allows You To Make A Fresh Start

When preparing for bankruptcy, some people worry that their credit will be ruined forever. In reality, bankruptcy wipes your slate clean and allows you to rebuild your credit, free from the burden of old debt. You may be able to purchase or refinance a home in as little as two years.

Contact Us To Learn More

To learn how our lawyers can help you, contact Forghany Law P.C. online to schedule a free initial consultation in Lawrence, Hartford or one of our other convenient locations. You may also reach us in Massachusetts at

or in Connecticut at

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We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.