Cambridge Bankruptcy Resources | Legal Help & Factual Resources
Helpful Information for Bankruptcy Filings in
Cambridge — Middlesex County — Massachusetts
View the Bankruptcy Rules
View the Bankruptcy Code
View the Federal Rules of Evidence
PACER (Public Access to Court Electronic Records)
If you have previously filed a bankruptcy case in the State of Massachusetts or any other state, you can search PACER to obtain information about your case and download copies of the documents. There might also be other court documents pertinent to your bankruptcy filing that you will be able to locate on PACER.
Anyone can set up a PACER account. There are charges for files accessed and downloaded. www.pacer.gov
U.S. Bankruptcy Courts:
www.uscourts.gov/bankruptcycourts.html
Massachusetts District Bankruptcy Court
Middlesex County bankruptcy cases will be filed with this bankruptcy court:
1101 O'Neill Federal Building
10 Causeway Street
Boston, MA 02222
(617) 565-8950
An experienced Cambridge Bankruptcy Lawyer will know the federal laws governing bankruptcy, but will also be familiar with the Local Bankruptcy Court Rules that are specific to each district, and sometimes specific to individual bankruptcy judges. Contact a Middlesex County Bankruptcy Attorney for a free initial consultation regarding Chapter 7, Chapter 13, Chapter 11, or Chapter 12.
Cambridge 341 Meeting Room Location
As soon as a bankruptcy case is filed, a date is set for the Meeting of Creditors, also known as the 341 Meeting. This meeting gives creditors the opportunity to question the debtor (you) about monies owed and property owned. An average 341 Meeting lasts about 3 to 4 minutes. Your Cambridge Bankruptcy Lawyer will explain the meeting to you and accompany you to the meeting.
The meeting room location is:
5 Post Office Square, Suite 1000
Boston, MA 02109
(617) 788-04007
U.S. Trustee
Chapter 13 Trustees
When your Chapter 13 bankruptcy case is filed with the Court, a Chapter 13 Trustee will be assigned to your case. The Chapter 13 Trustees for the District of Massachusetts are:
Carolyn A. Bankowski
98 N. Washington Street, Suite 300 Boston, MA 02114
E-mail: cbankowski@ch13boston.com
(617) 723-1313
Denise M. Pappalardo
11 Pleasant Street Suite 200
Worcester, MA 01609
E-mail: denisepappalardo@ch13worc.com
(508) 791-3300
Fax: (508) 755-7791
Credit Counseling Services in the Cambridge area:
All individuals (not business entities) are required to complete credit counseling before their bankruptcy case can be filed – for all chapters of bankruptcy, including Chapter 7, Chapter 13, Chapter 12, and Chapter 11. After the case is filed, individuals must complete the second half of the course which is called debt management. View the Federal Trade Commission's brochure with consumer information about credit counseling and debtor education.
Credit counseling services must be approved by the bankruptcy court in order to provide these classes. In the Cambridge area, these providers have been approved:
1A Bankruptcy Counseling, Inc.
31 Fuller Pond Drive
Middleton, MA 01949
(888) 823-4266
For other approved providers in the Cambridge area, visit the U.S. Dept. of Justice website.
Credit Reporting Agencies:
Your Cambridge Bankruptcy Attorney may have you sign an authorization form so your credit report can be downloaded directly or you may be asked to obtain your free annual credit report yourself and submit it with your other bankruptcy documentation.
You are entitled to a free annual credit report from the three nationwide credit reporting companies. Don't be tricked by TV ads, email offers, or website banner ads into paying for your credit report. The only authorized source for your free credit report is AnnualCreditReport.com. Visit the Federal Trade Commission's website for more information about your free annual credit report.
Equifax
P.O. Box 740241
Atlanta, GA 30374
1-800-685-1111
http://www.equifax.com
TransUnion
Consumer Disclosure Center
P.O. Box 390
Springfield, PA 19064-0390
1-800-888-4213
http://www.transunion.com
Experian
National Consumer Assistance Center
P.O. Box 949
Allen, IL 75013-0949
1-800-682-7654
http://www.experian.com
Innovis Consumer Assistance
P.O. Box 1358
Columbus, OH 43216-1358
Tax Returns:
You will be required to file copies of your tax returns for the past 2-3 years; submitting them either to the Trustee or the Bankruptcy Court, depending on local bankruptcy rules.
Federal Tax Returns:
For Information on how to obtain a Tax Return Transcript from the Internal Revenue Service, visit the IRS website or call 1-800-908-9946.
State Tax Returns:
You will need to submit state income tax returns if, during the past 2-3 years, you lived in a state that imposes state and/or local income taxes. (There are 43 states in the United States that have a state income tax.) Contact the state's taxing authority if you need to obtain copies of your tax returns from any of these states.
Vehicle Valuations:
You will need a fair and accurate value for any vehicles you own as of the day of filing your bankruptcy case. You can use online sources, but it is sometimes more accurate to get an estimate from a local used car dealer. Local car dealers have a better idea of what someone would actually pay for a vehicle in their city, which is not always the same as the value in the car buying guides.
Online Vehicle Valuations:
NADA - www.NADA.com
Kelly Blue Book - www.kbb.com
Edmunds - www.Edmunds.com
Local Used Car Dealers (for obtaining vehicle valuations):
Frugal Auto
10 4th Street Pl
Cambridge, MA 02141
(857) 829-4380
Autobahn USA
530 Western Avenue
Boston, MA 02135
(617) 254-5444
Manny's Auto Center
463 McGrath Highway
Somerville, MA 02143
(617) 623-8815
Appraisals and Valuations for Real Estate (Real Property)
A fair and accurate value for your real property must be listed on your bankruptcy forms (Schedule A). Although some Trustees and Bankruptcy Courts will use the value assigned to your property by your local tax assessor, it is beneficial to have a local expert, such as a Cambridge real estate agent, give you a valuation on your property.
Some local Cambridge area realtors include:
Sander Real Estate
277 Harvard Street
Cambridge, MA 02139
(617) 864-8772
Oxford Street Realty
1644 Massachusetts Avenue
Cambridge, MA 02138
(617) 354-3535
Jemtak Realty Trust
888 Massachusetts Avenue
Cambridge, MA 02139
(617) 864-8867
Value Realty
124 Mount Auburn Street
Cambridge, MA 02138
(617) 520-6694
Middlesex County Bankruptcy Law Firms will review your financial situation, provide you with advice on the bankruptcy process, and show you how you can receive debt relief!
Serving clients throughout Eastern Massachusetts, including Andover, Beverly, Billerica, Boston, Bridgewater, Brockton, Cambridge, Chelmsford, Danvers, Dedham, Easton Center, Fall River, Framingham, Franklin, Gloucester, Haverhill, Hingham, Lawrence, Lexington, Lowell, Lynn, Manchester, Marblehead, Marlborough, Medford, Methuen, Milford, New Bedford, Newton, North Attleboro, Norwood, Peabody, Plymouth, Portsmouth, Providence, Quincy, Randolph, Revere, Salem, Tewksbury, Wakefield, Waltham, Wellesley, Weymouth, Woburn, Worcester, areas in the vicinity of Logan Inernational Airport, and other communities in Middlesex County.
Contact a Cambridge Bankruptcy Attorney today for a free initial consultation.
Other Legal Bankruptcy Lawyers
If for some unforeseen reason, the Cambridge Bankruptcy Lawyers listed on this site are unable to assist you, please visit the Cambridge Bankruptcy Lawyers listed on HG.org; or the Cambridge Bankruptcy Lawyers listed on GetLegal.com; or the Cambridge Bankruptcy Lawyers on Justia.com