Consumer Bankruptcy

Personal Bankruptcy: Chapter 7 & Chapter 13


When debt is piling up, creditors are calling and you don’t have the money to make your monthly payments, it can seem impossible to ever turn things around. Many people fear that declaring bankruptcy means they are going to lose everything — their houses, their cars and their most prized possessions. This is not true. At Nickless, Phillips and O’Connor, a Fitchburg consumer bankruptcy law firm, we help people who are struggling with debt get a fresh start by taking advantage of the opportunities bankruptcy offers while protecting their assets. Our attorneys have more than 80 years of combined experience working with clients to find creative, viable solutions that help them get their finances back on track.

Finding The Right Approach For You


Bankruptcy isn’t the right approach for everyone. That is why it is critical that you work with a legal team that takes the time to learn about your situation, your goals and the assets that you need to protect.

You may be a strong candidate for Chapter 7 bankruptcy if:

  • You struggle with credit card debt, medical bills or other unsecured debts.
  • Your assets fall within exceptions that allow them to be protected throughout the bankruptcy process.

If you do not qualify for Chapter 7 bankruptcy or have nonexempt assets that you are not willing to part with, Chapter 13 bankruptcy may offer you an opportunity to catch up on your mortgage, car payments and other debts through a repayment plan tailored to your individual financial situation.

At Nickless, Phillips and O’Connor, we are committed to helping clients stop harassing calls from creditors while preserving their assets. Before draining your retirement accounts or losing your home to foreclosure, sit down with one of our experienced attorneys to learn about your options so you can make an informed decision about whether bankruptcy is the right choice for you.

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