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Frequently Asked Questions

What is a Chapter 7 Bankruptcy? Chapter 7 is a liquidation of the debtor’s assets by which the creditor’s debts are eliminated. Chapter 7 can only be filed when the debtor has no excess income to pay off his or her creditors. The bankruptcy laws impose a threshold income based on the median income of […]

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Rebuilding Your Credit

Rebuilding Your Credit One of the first questions I am asked by the thousands of clients I have helped over the past 35 years as a bankruptcy attorney in Worcester is: “WILL I BE ABLE TO GET CREDIT AFTER I HAVE FILED BANKRUPTCY?” The answer is yes. But, you will have to earn it back. […]

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Understanding Foreclosures

A Brief Overview of the Foreclosure Process in Massachusetts  Banks rarely begin to foreclose after just the first month of defaulting on a mortgage payment. The mortgage lender or servicer generally sends the borrower a notice of default giving him/her 30 days to cure the default after the borrower is already several months in default. […]

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Technology at the Office

Modern Technology is the Key to Efficiency At Aframe & Barnhill we strive to stay ahead of the game. We  embrace the modern world. As other law offices fall behind, buckling under the weight of obsolete methods, we proudly wield the most advanced tools of the trade to better serve our clients. Allow us to […]

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Student Loans and Bankruptcy

There is an ongoing crisis in student loan debt that only promises to get worse in the coming years. Currently, 43.3 million Americans owe the astronomical total sum of $1.26 trillion in student loans. It goes without saying that student loan debt is playing an increasingly large role in recent bankruptcies. We are here to […]

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