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Bankruptcy Law Lowell, MA

Everyone deserves a fresh start, that's why bankruptcy laws were created to give everyone a new beginning, a chance to get back on your feet. We understand how financial problems can easily happen to anyone, anywhere. No need to feel ashamed or embarrassed and we won't make you feel that way. We're here to help you start a new chapter in your life, a new beginning.

We know nobody wants to file bankruptcy, but when you're facing constant harassing creditor phone calls or an IRS levy or even home foreclosure, sometimes the relief from filing for bankruptcy is the only choice we have.

Sometimes in life circumstances require us to consider filing for bankruptcy protection. If you are considering selling or refinancing your home or business to an investor, please give us a call to consider your options before selling or refinancing. We're looking out for your best interest as all licensed attorneys are required by law.

Are you falling behind on your bills, then you owe it to yourself to investigate your options with bankruptcy. Bankruptcy is a legitimate option that deserves consideration as the Bankruptcy Courts has the poser to stop all foreclosures, including lawsuits. The new beginning you seek to wipe out debt, buy a new home or car is within Chapter 7 and Chapter 13 can help to save your home. You have nothing to lose with a free consultation at The Law Office of Melissa J Brown.

As defined by the new Federal Bankruptcy Laws we are considered a Debt Relief Agency. We are committed to helping people find solutions to their financial problems, which may include the filing of a bankruptcy case.

Chapter 7, Chapter 13, Loan Modification & Debt Negotiations


Bankruptcy Law Practice

Chapter 7 Bankruptcy

The most common form of bankruptcy is chapter 7 bankruptcy, designed to provide a way out from debt that people can no longer pay. In general it allows individuals to eliminate debt and is the quickest form of bankruptcy.

Generally in chapter 7 bankruptcy people don't lose any of their assets, you're able to keep your property because federal exemptions allow you to. In as little as four months you can obtain a "Discharge" of your debts, while instantly getting relief from bill collectors, creditor harassment and collection agencies.

Keep in Chapter 7 Bankruptcy

$30K + in Home Equity for married couples.

$15K + in personal property and get out of debt.

House, Car, Pension, 401K and IRA.

Chapter 7 Bankruptcy eliminates most:

  • Wage Deductions
  • Credit Cards
  • Utility Bills
  • Judgments & Law Suits
  • Medical Bills
  • Personal Loans
  • Repossessions
  • Payday Loans

Chapter 13 Bankruptcy

Chapter 13 Bankruptcy can help you to re-organize your bills, repossessions, stop foreclosure, high credit card interest and garnishments in as soon as one day.

Debt Reorganization/Debt Repayment

We require no money down for qualified wage earners and we have a 100% money back guarantee if your chapter 13 plan is not approved because of a problem under our control, you pay nothing and all of your chapter 13 payments are returned to you should your case be dismissed without court confirmation.

The solution could be Chapter 13:

  • Over-financed vehicles
  • Payday Loans and Wage deductions
  • Repossessions
  • Foreclosure or Sheriff Sale Pending
  • Lawsuits and License Suspension and Parking Tickets
  • Behind on your Mortgage and/or Auto Payments

Debt Negotiation

Feel as though you're sinking in debt because of the overwhelming pressure of overdue bills and other financial obligations? The Law Offices of Melissa J Brown can help you with Debt Negotiation because we believe that no situation is beyond help.

We're here to help you take control of your finances. We work with your creditors to establish payments that are manageable for you and to relieve the stress of overwhelming debt. Contact the Law Offices of Melissa J Brown at (978) 726-0739.

How Debt Negotiation Works

We work with you to work with your creditors to establish a more manageable payment plan. With our help you may be able to:

Debt Negotiations

  • Extend the period of time available for repayment
  • Pay one lump-sum amount
  • Make interest-free payments until your debt is repaid
  • Have certain debts discharged

Loan Modifications

Obtaining a loan modification is the best way to avoid foreclosure and stay in your home. However, the process can be very challenging without the help of a law firm. When done correctly, the workout plan could result in permanent positive changes to the mortgage rate, term and monthly payment of the loan.

Load Modification

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  • Bancruptcy & Loans;

Bankruptcy Credit Counseling

Required BEFORE FILING - Credit Counseling

Must take after hiring Melissa Brown Law for Chapter 7 or 13. Good for 6 months before filing bankruptcy. Before Filing Course at

Required AFTER FILING - Debtor Education

Must take to get a discharge. Take immediately after you receive your bankruptcy case number. After Filing Course at