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Marlboro Bankruptcy Lawyer and Divorce Mediator

Bankruptcy Attorney and Divorce Mediation, Marlborough

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Category Archives: Bankruptcy

Can I keep my car if I file for bankruptcy?

Marlboro Bankruptcy Lawyer and Divorce Mediator Posted on April 10, 2018 by Michael TremblayApril 11, 2018

Even if your car is not fully protected by an exemption, you can usually keep it by filing for Chapter 13 bankruptcy rather than Chapter 7 bankruptcy. And, if you have a car loan, your ability to exempt it is … Continue reading →

Posted in Bankruptcy

Can I claim a homestead exemption on my house even though I also operate a business there?

Marlboro Bankruptcy Lawyer and Divorce Mediator Posted on December 1, 2015 by Michael TremblayApril 12, 2018

In a recent case I handled, this issue came up.  The result was reported on the front page of Massachusetts Lawyer’s Weekly on November 30, 2015. The debtor owned a two-story home.  On the first floor he operated a business … Continue reading →

Posted in Bankruptcy

I thought all student loans could not be discharged in bankruptcy?

Marlboro Bankruptcy Lawyer and Divorce Mediator Posted on April 22, 2015 by Michael TremblayApril 10, 2018

There is a common misunderstanding that all student loans are not dischargeable in bankruptcy.  All student loans, however, are not created equal.  Many, in fact, are dischargeable. The source of this misunderstanding is a cryptically worded section of the bankruptcy … Continue reading →

Posted in Bankruptcy

What should I bring to my initial bankruptcy consultation?

Marlboro Bankruptcy Lawyer and Divorce Mediator Posted on March 6, 2014 by Michael TremblayMarch 7, 2014

We don’t require or even encourage our clients to prepare too much for the initial consultation. Instead, we treat it as an information session designed to help you get the answers you are looking for; and plan a more detailed … Continue reading →

Posted in Bankruptcy

How long does it take after I file Bankruptcy until the creditors stop harassing me?

Marlboro Bankruptcy Lawyer and Divorce Mediator Posted on March 6, 2014 by Michael TremblayMarch 7, 2014

The short answer: just a matter of a few days. There are two powerful forces working for you to ensure this happens promptly.  First of all, the “automatic stay” is a serious federal law that requires creditors to act promptly … Continue reading →

Posted in Bankruptcy

What is the 341 Meeting?

Marlboro Bankruptcy Lawyer and Divorce Mediator Posted on February 28, 2014 by Michael TremblayMarch 7, 2014

After you file your bankruptcy case, the court will schedule a “meeting of the creditors” in accordance with section 341 of the Bankruptcy Code.  Thus, the nickname, the “341 meeting.” When does it occur?  In general, about five weeks after … Continue reading →

Posted in Bankruptcy

What’s a Chapter 20 Bankruptcy?

Marlboro Bankruptcy Lawyer and Divorce Mediator Posted on February 28, 2014 by Michael TremblayMarch 7, 2014

There is actually no “Chapter 20” in the Bankruptcy Code. It’s a euphemism for the procedure where a debtor files a Chapter 7 case closely followed by a Chapter 13 case.  7+13=20, get it? Why two bankruptcy cases? Sometimes a … Continue reading →

Posted in Bankruptcy

Attorney Tremblay named to Honor Roll for public service at U.S. Bankruptcy Court

Marlboro Bankruptcy Lawyer and Divorce Mediator Posted on October 24, 2013 by Michael TremblayApril 11, 2018

On October 23, 2013, Chief Judge Frank Bailey awarded a certificate and named Attorney Michael Tremblay to the court’s Pro Bono Honor Roll for participation in the Worcester County Bar Association’s initiative to provide counsel to pro se debtors appearing … Continue reading →

Posted in Bankruptcy

Can the holder of a remainder interest claim a homestead in Massachusetts?

Marlboro Bankruptcy Lawyer and Divorce Mediator Posted on December 11, 2012 by Michael TremblayMarch 7, 2014

The new Massachusetts homestead act, enacted in 2010 and effective on March 16, 2011 has begun to generate court decisions interpreting its new and unique provisions.  The new law introduced some novel ideas about homesteads, such as: Multiple owners can … Continue reading →

Posted in Bankruptcy

Can Chapter 13 Help with Student Loans?

Marlboro Bankruptcy Lawyer and Divorce Mediator Posted on November 15, 2012 by Michael TremblayMarch 7, 2014

You may be discouraged if you have already read that most student loans are not dischargeable in bankruptcy.  It’s important, however, not to over-generalize in this area.  Bankruptcy may still be able to help with your high student loan debt. … Continue reading →

Posted in Bankruptcy

Why choose Chapter 13 over Chapter 7?

Marlboro Bankruptcy Lawyer and Divorce Mediator Posted on November 13, 2012 by Michael TremblayMarch 7, 2014

Once you learn a little about bankruptcy, it becomes apparent that a Chapter 7 proceeding wipes out all of your debt quickly and economically, but a Chapter 13 case costs more and takes up to 5 years to complete.  A … Continue reading →

Posted in Bankruptcy

Can bankruptcy stop a wage garnishment?

Marlboro Bankruptcy Lawyer and Divorce Mediator Posted on July 19, 2012 by Michael TremblayMarch 10, 2014

Yes, most wage attachments can be easily stopped with the filing of a Bankruptcy petition. Better still, in most cases, money recently taken by wage attachment can actually be recovered. Naturally, there are some technicalities.  You have to read sections … Continue reading →

Posted in Bankruptcy

Can Bankruptcy Eliminate a Second Mortgage on my home?

Marlboro Bankruptcy Lawyer and Divorce Mediator Posted on May 24, 2012 by Michael TremblayMarch 7, 2014

Second Mortgages in Bankruptcy In the right circumstances, a Chapter 13 bankruptcy petition can eliminate a second mortgage on your home and eliminate the monthly payment.  This procedures is called “Lien Stripping.”  Lien stripping is not available in a Chapter … Continue reading →

Posted in Bankruptcy

How honest efforts to repay debt can backfire.

Marlboro Bankruptcy Lawyer and Divorce Mediator Posted on May 16, 2012 by Michael TremblayMarch 7, 2014

Each year, I meet several clients who have struggled so hard to repay their insurmountable debt, they have actually put themselves in a worse position than if they had done nothing, or filed bankruptcy sooner. Taking out a Home Equity … Continue reading →

Posted in Bankruptcy

Bankruptcy Landmines to Avoid

Marlboro Bankruptcy Lawyer and Divorce Mediator Posted on May 16, 2012 by Michael TremblayMarch 7, 2014

There is an old saying that “Pigs get fat, but hogs get slaughtered.” Bankruptcy gives you powerful remedies to escape from oppressive debt and still keep all your essential property.  Occasionally, however, you hear stories of people who try to … Continue reading →

Posted in Bankruptcy

Bankruptcy Myths

Marlboro Bankruptcy Lawyer and Divorce Mediator Posted on May 15, 2012 by Michael TremblayMarch 7, 2014

I will lose all my property. Not true. The federal government does not want to see you living in a cardboard box. The bankruptcy code permits you to claim an “exemption” in all kinds of property which you get to … Continue reading →

Posted in Bankruptcy

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Recent Articles

  • Can I keep my car if I file for bankruptcy?
  • Can I claim a homestead exemption on my house even though I also operate a business there?
  • I thought all student loans could not be discharged in bankruptcy?
  • Supreme Judicial Court holds that Temporary Alimony does not count in the calculation of general term alimony duration

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