The Law Office of Jennifer Marie Clark

Chapter 7, also known as “liquidation bankruptcy,” can provide you with a clean slate. This form of bankruptcy allows you to eliminate most types of unsecured debts, such as credit card debt, medical bills, and personal loans. By filing for Chapter 7, you may be able to:

• Discharge most debts quickly
• Stop wage garnishments, foreclosure, and collection actions
• Keep essential property through exemptions

We'll help you determine if you qualify for Chapter 7 and guide you through the filing process, ensuring your rights are protected every step of the way.

For individuals with a steady income who need to catch up on debts, Chapter 13 can provide a solution. This type of bankruptcy, also known as a “wage earner’s plan,” enables you to:

• Consolidate and reduce debts through a structured repayment plan over three to five years
• Stop foreclosure and save your home
• Protect co-signers from creditor actions

We will work with you to create a plan that fits your budget, allowing you to keep valuable assets while gradually paying down your debt.

Chapter 11 is often called “reorganization bankruptcy” and is primarily used by businesses and individuals with substantial debt and assets. It allows you to restructure your finances while keeping your business or significant assets intact. A successful Chapter 11 filing can:

• Help you stay in business or retain assets while paying creditors over time
• Negotiate better terms with creditors
• Create a manageable repayment plan tailored to your financial situation

Our attorneys have the experience to handle complex Chapter 11 cases, ensuring you get the best possible outcome while navigating the intricate legal landscape.

I believe that everyone deserves a chance at financial stability, regardless of their current financial situation. That's why I strive to make bankruptcy services accessible and affordable for our clients throughout Massachusetts. I know that cost can be a barrier to seeking help, so my office designed services to fit a variety of budgets:

• Low-Cost Flat Fees: We offer transparent, low-cost flat fees for Chapter 7, Chapter 11, and Chapter 13 bankruptcy filings. You’ll know upfront what to expect, with no hidden charges or unexpected costs. This straightforward approach helps you make an informed decision without the worry of accumulating legal expenses.
• Minimal Deposits for Fast Service: We understand that financial hardship often demands quick action. That's why we require only a minimal deposit to get started on your case. With a small upfront payment, we can immediately begin working on your behalf, stopping harassing creditor calls and helping you regain control over your finances as soon as possible.
• Flexible Payment Plans: To make the process even more affordable, we offer flexible payment plans tailored to your specific needs. Our goal is to provide you with the legal support you need without adding to your financial stress. Together, we'll create a payment schedule that aligns with your budget, allowing you to focus on what matters most—your financial recovery.
• Take the First Step Today—Affordable Legal Help is Within Reach: Don’t let concerns about legal costs prevent you from seeking the relief you need. At JMC Law, I am committed to helping you navigate the bankruptcy process in a way that works for you, both financially and legally. Contact us today to learn more about our affordable options and take the first step toward a fresh financial start.

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