The Kovacs Law Office

read moreAre you overwhelmed with debt? Are creditors calling you left and right, demanding payment? If you face foreclosure, wage garnishment, repossession, tax liens, or other debt problems, we invite you to take this opportunity to discuss your rights and options with a Worcester bankruptcy attorney. Our office is dedicated to helping people throughout Massachusetts stop those creditor calls and eliminate debt and stress. Our bankruptcy lawyer Robert W. Kovacs Jr. is top-rated by clients and peers alike, garnering a 10.0 Superb Avvo Rating due to his professionalism, dedication, and experience.

read moreThe Worcester Bankruptcy Attorneys at the Law Office of Robert W. Kovacs, Jr. have one goal in mind-- to relieve your debt with trustworthy and efficient solutions. Our team has experience with a wide-range of bankruptcy matters, including Chapter 7, Chapter 11, Chapter 12, and Chapter 13 bankruptcy. Learn more about our team below to find out how your debt relief can be just around the corner!

read moreIn considering filing for Chapter 7 or Chapter 13 bankruptcy, you should also consider seeking legal help from an experienced Worcester bankruptcy lawyer. The bankruptcy process is not simple, it involves many steps that include filing the correct paperwork at the correct time, dealing with the bankruptcy court, having meetings with your bankruptcy trustee and creditors, and drafting a creditor payment plan (in a Chapter 13 filing). An attorney can guide you through this complex process, and help you avoid mistakes that could serve to make your financial situation even worse.

read moreThe Kovacs Law, P.C. is here to help you. Bankruptcy may be the best option for you if you find yourself with overwhelming debt and no way of being able to repay it. Our caring attorney can help you get a new start on your life. The law provides individuals struggling with overwhelming debt an opportunity to have their debt discharged and get a fresh start in their financial life. There are several types of bankruptcy filings, one of which may be the right one for you. You should hire an experienced Worcester Bankruptcy Law Attorney to be able to confront your financial situation and move forward with your life.

read moreA cram down is a court-ordered reduction in the principal or interest rate of property that is secured by a loan. It can also include other required changes in mortgage loan terms and conditions. Typically this will mean reducing your home mortgage loan, car loan, investment property mortgages, equipment loans and other secured business debt. I Cram downs typically occur in a Chapter 11, Chapter 12 or Chapter 13, many times over the objections of the creditor. Cram down has also come to mean any situation in which a creditor is forced to accept a financial arrangement that is not to their benefit.