Business Details
Emergency
services
Your Trusted Bankruptcy Attorney in Worcester, MA
Morrison & Associates, PC is a dedicated law firm specializing in bankruptcy and debt relief solutions for individuals, families, and small businesses across Massachusetts. With over 20 years of experience and a track record of successfully handling more than 5,000 cases, the firm provides personalized legal guidance tailored to each client's unique financial situation. Our services include Chapter 7, Chapter 11, and Chapter 13 bankruptcy filings, foreclosure defense, creditor harassment protection, and alternative debt relief strategies. Clients receive direct, one-on-one attention from Attorney Troy Morrison, ensuring transparency, compassion, and expertise throughout the legal process.The firm prioritizes accessibility with weekend and evening appointments, free initial consultations, and offices in Worcester, Springfield, and South Easton. By combining in-depth knowledge of federal bankruptcy law with a commitment to client education, Morrison & Associates, PC empowers clients to achieve financial stability and a fresh start. Our team emphasizes ethical practices, prompt communication, and practical solutions to alleviate the stress associated with overwhelming debt.
Services
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Foreclosure Defense
Creditor Harassment
Debt Relief
Wage Garnishment
Student Debt Relief
Emergency Filings
Highlights and features
- We offer 20+ years of bankruptcy law experience with 5,000+ cases successfully handled.
- Our team provides direct, one-on-one attorney representation for personalized solutions.
- We guarantee free initial consultations and flexible evening/weekend appointments.
- Our firm specializes in Massachusetts-specific bankruptcy exemptions and debt relief strategies.
- We prioritize ethical practices with transparent communication and no hidden fees.
Associations and certifications
- Massachusetts Bar Association
- Worcester County Bar Association
- National Association of Consumer Bankruptcy Attorneys
What people say
Very helpful
Highly recommend
Peace of mind
Professional and knowledgeable
Prompt responses
Services
Chapter 7 Bankruptcy
Chapter 7 Bankruptcy provides debt relief through asset liquidation for qualifying individuals. This process eliminates unsecured debts like credit card balances while protecting essential assets under Massachusetts exemptions. Clients receive guidance on eligibility requirements, exemption planning, and creditor discharge timelines to achieve financial freedom.
Chapter 13 Bankruptcy
Chapter 13 Bankruptcy restructures debt into manageable monthly payments over 3-5 years. This option preserves assets like homes and vehicles while addressing arrears. Our team creates customized repayment plans that meet court requirements and client financial capabilities to ensure successful case completion.
Foreclosure Defense
Foreclosure Defense services protect homeowners facing property loss through legal strategies like loan modifications, bankruptcy filings, or lender negotiations. We analyze mortgage terms, identify lender violations, and implement solutions to stop foreclosure proceedings while preserving client equity.
Creditor Harassment
Creditor Harassment protection utilizes automatic stay provisions to stop collection calls, wage garnishments, and lawsuits. Our attorneys enforce federal protections under the Fair Debt Collection Practices Act while developing long-term debt resolution strategies tailored to client circumstances.
Debt Relief
Debt Relief solutions include bankruptcy alternatives like debt settlement, credit counseling, and loan modifications. We evaluate client income, expenses, and debt composition to recommend the most effective path toward sustainable financial stability while minimizing credit impact.
People
Troy Morrison
Attorney
Attorney Troy Morrison has practiced bankruptcy law for over 20 years, handling 5,000+ cases across Massachusetts. A University of Massachusetts and Tulane Law School graduate, he specializes in Chapter 7, 11, and 13 filings while prioritizing personalized client representation.
Questions
What are the benefits of filing for bankruptcy in Massachusetts?
Bankruptcy in Massachusetts stops creditor harassment, wage garnishments, and foreclosure proceedings. It provides structured debt elimination through Chapter 7 or manageable repayment plans via Chapter 13 while protecting essential assets under state exemptions.
How does Chapter 7 bankruptcy work?
Chapter 7 liquidates non-exempt assets to repay creditors, with most unsecured debts discharged within months. Massachusetts exemptions typically protect homes, vehicles, and personal property while eliminating credit card or medical debt obligations.
Can I keep my home when filing Chapter 13?
Chapter 13 allows homeowners to retain property by catching up on mortgage arrears through a 3-5 year repayment plan. This option stops foreclosure while restructuring debt to make payments affordable and sustainable.
What happens during the bankruptcy process?
The process includes credit counseling, filing petitions, attending creditor meetings, and completing required financial management courses. An automatic stay immediately halts collections, with debt discharge occurring 3-5 months later for Chapter 7 cases.
Are there alternatives to bankruptcy?
Alternatives include debt settlement, credit counseling, and loan modifications. Our attorneys evaluate each client's financial situation to determine whether bankruptcy or alternative strategies better achieve long-term financial stability.
