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Greater Lowell

Bankruptcy

Suffering From Crippling Debt? At Risk of Losing Your House? Are Debt Collectors Calling All Day and Night?

In addition to litigation, the attorneys atMarcotte Law Firmwork closely with individuals, families, and small business to get the debt relief they need. Our attorneys are highly skilled in the field of bankruptcy law and know how to make sure you keep your property and can live a normal life.

Our bankruptcy clients often feel scared and ashamed, but they should not. We work closely with you to ease your concerns and make the process as painless as possible. The Bankruptcy Code (11 U.S.C.) and the Local Bankruptcy Rules are complicated and nearly impossible to navigate without legal assistance.

In most cases, we offer a flat fee service plan to guide you through the complicated process.

Contact ustoday for a free initial consultation to discuss your bankruptcy or debt relief problems.

Discharge or Restructure Your Debt Today

Even for the most prepared individuals, debt can catch up to us quickly for a variety of unexpected reasons. An unforeseen medical complication can come with large medical bills and mortgage or car payments can add up over time until the debt is completely unmanageable. Credit cards can come with high interest rates and late fees where missing one payment can put you in a hole you cannot climb out of.

If you have a trusted lawyer on your side who has a structured plan in place you can begin to get rid of lingering debts and payments. Let our attorney give you the personalized and commonsense service you need to cope with the legalities of the following matters:

Dealing With Pesky Collection Agencies

Marcotte Law Firmknows the tricks that the collection agencies use to try to scare you into paying them. Our seasoned staff knows the Fair Debt Collection Practices Act and the local regulations inside and out and will make sure these collectors are following the law. In certain situations, a bankruptcy may not be right for you and we offer the following services:

  • Stop the persistent calls by collectors,
  • Entering into reduced payment agreements
  • Cease garnishing of wages
  • Stop foreclosures

At Marcotte Law Firm, we can help give you the debt relief you need so you can focus on what matters most to you.

What is Bankruptcy?

You may be faced with growing challenges in your personal and professional life. Maybe you had to take a leave of absence from work for medical reasons. Now you have giant bills from the hospital, you missed time from work, so you do not have a steady income, and you missed several payments for your credit cards or mortgage. Now the credit card company is trying to garnish the little wages you still have and the bank is threatening to foreclose on your house. What are your options?

Bankruptcy allows individuals, burdened by overwhelming debt, to obtain a fresh start and wipe out dischargeable debt. This can be done through filing a case under Chapter 7 or 13 of the United State Bankruptcy Code, which are described in detail on the following pages.

Client Reviews
★★★★★
Marcotte Law firm has since handled a few other things for me not accident related. My experience continues to be fantastic. Perhaps their motto could be simply "No problem. I'll take care of it" because that's exactly what they do. Marguerite Riley
★★★★★
This team is of the utmost prestigious gentlemen I've come across! They handled my son's case as if it were their only. I recommend Marcottte Law Firm to anyone who is in need of an attorney. Robert Vogel
★★★★★
Mr. Marcotte and his staff are courteous and respectful, I've known Mr. Marcotte for over 25 years and I recommend him and his colleagues as the best lawyers in Lowell and Massachusetts area . God Bless them all. Minerva Martinez
★★★★★
Ronda Johnson