Do I have to be delinquent on my bills to file ch. 7 bankruptcy in MA?

No, you do not need to be delinquent on your bills to file a chapter 7 bankruptcy in Massachusetts. There are requirements such as how much income you have, your expenses and your assets, these all need to be evaluated prior to filing a chapter 7 bankruptcy in Massachusetts. It is very important for you to obtain the services of a knowledgeable bankruptcy attorney when filing bankruptcy, as the laws on numerous and it is easy to make a mistake in the documentation. And if you attempt to do this yourself, and there's a problem, the courts do not take into consideration that you're not an attorney. I have responded to your inquiry according to the laws of Massachusetts, where my firm is located. Laws can vary significantly from state to state and cases tend to be rather fact-specific, so you are best served by consulting with a knowledgeable attorney in weighing your options. Email messages/Online Correspondence are akin to conversations and do not reflect the level of analysis applied to formal legal opinions. Email/Online responses do not form an attorney-client relationship.    Joseph F. Botelho, Esq. BOTELHO LAW GROUP Attorneys At Law http://fallriverbankruptcyattorney.com/ 901 Eastern Ave.  Unit 2 Fall River, MA 02723  Office:  888-269-0688 FAX:    877-475-8147 #bankruptcy  #lawyer  #FallRiver  #Chapter7  #chapter13  #debt  #debtsettlement  #foreclosure  #attorney   #cantpaybills  #lawsuit  #court  #bankruptcycourt  #eviction  #lostmyjob