Work with Attorney John-Paul LaPré for a fresh start
Dread opening your mailbox? Worry when you hear the phone ring? Are you losing sleep over money you owe or frightened by the prospect of losing your home to foreclosure? Is the constant harassment of creditors and bill collectors making your life miserable? Attorney John-Paul LaPré can, either help you deal directly with your credit collectors, banks or other creditors, or take you through the steps necessary to file for Bankruptcy protection.
For more than 30 years, Jack LaPré has guided individuals and families to financial recovery, and helped them obtain a renewed belief in themselves through Bankruptcy protection.
- Don’t throw those notices away.
- Stop avoiding every telephone call.
- Save that car.
- Keep your home.
Marlborough, Westborough, Northborough, Framingham, Natick, Worcester, Boylston, Shrewsbury, Hudson and additional towns in Metrowest, Middlesex County and central Worcester County, are the geographic areas we serve on a regular basis. Jack LaPré can help you put your financial life back together, and improve your financial self-image and confidence. Let’s start getting some peace of mind back into your life!
Attorney LaPré will first look for ways to help you deal with your debts and creditors outside of bankruptcy. He firmly believes that bankruptcy should be the last resort. However, in many cases filing bankruptcy is the best answer to debt problems. You will find relief and get a fresh start financially with this debt management option. Jack will help you find ways to manage your debt problems efficiently, and to ensure that you have done everything you must to get approval from the courts. This is of particular importance when your assets and property holdings are large and your financial picture is complex.
Jack’s comprehensive knowledge of Chapter 7 and Chapter 13 Federal Bankruptcy protections can help you avoid foreclosure on your home, or a repossession of your car or truck, and the collateral damage to your credit rating.
- Chapter 7 Bankruptcy: This is known as Liquidation. However, it truly allows a “fresh start” by discharging your consumer debt. It is most frequently used for personal financial relief, and protection of assets. Most – if not all – of your debts are eliminated quickly, and you will usually keep all your assets and property. You must meet certain requirements and income restrictions to file Chapter 7, and in some instances there may be a liquidation of certain assets that are not protected by the asset exemptions that the bankruptcy law allows. Attorney LaPré knows how to best use those exemptions to your benefit. He will educate you about those exemptions, and how they work to protect your estate.
- Chapter 13 Bankruptcy: this is known as reorganization. Through his thorough knowledge of Chapter 13, Attorney LaPré will get some or most of your debt discharged, while not only protecting assets, but also doing certain other things within the parameters of Bankruptcy Law, such as sometimes being able to eliminate a second mortgage entirely, or reducing the interest and balance owed on auto loans. There are qualifiers built into the law that provide for these benefits of Bankruptcy Law, and Jack LaPré knows when they will apply and will inform you. With a court-approved debt repayment plan, Chapter 13 stops foreclosure, repossession and creditor harassment, and helps you reorganize the debts in a way that better meets your income and your family needs.
There are numerous reasons for debt problems, including: illness and medical expenses, loss of a job, divorce, and difficult economic times. With over thirty years of experience Jack LaPré knows how to explain your choices and options clearly and thoughtfully. You will feel relieved and more knowledgeable about your rights after your very first consultation with Attorney LaPré.
Get the legal advice, counsel and representation you need to resolve your debt problems whether through Bankruptcy, litigation, negotiation, or other ways, and to obtain the protection you need.
- 34 Don’ts in preparing to file a Chapter 7
- Bankruptcy Work Sheets
- Declaration of Homestead form – Natural Persons
- Declaration of Homestead form – Trust
- Good Faith
- Homestead Questions and Answers
- Info To Order Credit Report
- Max Gardner’s Reasons Not to File Chapter7
- Pre-Interview Sheet
- Utilities and Bankruptcy
- Your Auto Loan