Bankruptcy Can Be a Lifeline — I can help you use it the right way
If you’re overwhelmed by debt, facing foreclosure, or worried about wage garnishment, bankruptcy may be the most effective solution for you. At Carragher Law, I offer clear guidance through the Chapter 7 and Chapter 13 bankruptcy process — with compassion and zero judgment. I’ve been practicing bankruptcy law my entire career, and with my new firm on Cape Cod, I can help you get a fresh start.
Chapter 7 Bankruptcy — Wipe Out Unsecured Debt Fast
Chapter 7 is designed to help individuals eliminate debts like credit cards, medical bills, and personal loans. It’s typically the fastest and most common type of bankruptcy.
- Eligibility Snapshot:
- Little or no disposable income
- Passes the means test
- No recent bankruptcy filings
- Benefits:
- Immediate stop to creditor harassment
- Discharge of most unsecured debts
- Quick process (usually 3–6 months)
- Many assets can be retained as exempt from creditors
Chapter 13 Bankruptcy — Restructure Debt and Keep What Matters
If you have steady income but have fallen behind on your mortgage, car loan, or taxes, Chapter 13 helps you create a 3-5 year repayment plan to catch up without losing your assets.
- Stop foreclosure or repossession
- Consolidate debts into manageable payments
- Keep your home and car
Common Questions About Bankruptcy
Will I lose my home or car?
In many cases, no. Bankruptcy laws allow exemptions that protect your key property.
How long does bankruptcy stay on my credit?
Chapter 7 stays for 10 years, but many clients begin rebuilding credit in months.
How much does it cost?
I offer transparent, flat-fee pricing for Chapter 7 or Chapter 13 that is on par with other reputable attorneys in Massachusetts. Payment plans are an option in Chapter 13.
Carragher Law LLP 