Credit Card Debt | Tax Debt

Massachusetts Credit Card Debt Consolidation Attorneys

Contrary to popular belief, the October 2005 Bankruptcy Code amendments did very little to affect the dischargeability of credit card debt. Debtors who are eligible for Chapter 7 relief can get just about the same discharge of credit card obligations that they could before, while Chapter 13 debtors will seldom have to make more than token payments on their unsecured credit card indebtedness.
Credit Card and Tax Debt

For dependable advice about your ability to discharge credit card debt under any chapter of the Bankruptcy Code, contact the Western Massachusetts credit card debt relief attorneys at Law Office of David J. Noonan. Amherst/Northampton bankruptcy lawyers David J. Noonan can analyze and explain your situation in terms you can understand.

When you file for bankruptcy under any chapter, these will be the immediate consequences for your credit card obligations:

  • Credit card companies and collection agencies will immediately have to stop calling you for past-due account balances.
  • The automatic stay will also bring any lawsuits against you to a complete stop.
  • No garnishment of your wages or bank account will continue beyond the date of your bankruptcy petition.
 My Western Massachusetts bankruptcy attorneys know how to evaluate your financial situation and help you choose the debt relief strategy that will eliminate the greatest amount of debt at the least expense to my clients. For a free consultation about your case, contact Law Office of David J. Noonan in Northampton.

Western Massachusetts Federal Tax Debt Attorneys

At the Northampton bankruptcy law firm of Law Office of David J. Noonan, I have helped hundreds of clients resolve tax problems with the IRS and the Massachusetts Department of Revenue. To find out how I can assist with your tax obligations, contact the Massachusetts state tax debt relief lawyers David J. Noonan.

Tax debts are generally not dischargeable in bankruptcy, but they can be included in a Chapter 13 plan, and the interest and penalties stop piling up while you’re paying past-due taxes over three years or longer. However if your tax obligations are more than three years old and you have filed timely tax returns, those tax claims may be able to be discharged. In other cases, especially where the amount of past-due taxes is in legitimate dispute, your tax debts can be compromised.

I also help small businesses that find themselves in trouble with unpaid withholding taxes or quarterly payroll tax payments.

some of my business clients have arrived at their office or restaurant to find that the IRS had padlocked the doors as part of a tax lien asset seizure.

The automatic stay of bankruptcy will remove the padlocks right away, but negotiating with the tax authorities to resolve your tax problems takes a thorough understanding of your rights under the Bankruptcy Code. Amherst/Northampton debt relief attorney David J. Noonan can use his experience with both the federal and state tax agencies to work toward achieving the best outcome possible in your situation.

Contact us in Amherst/Northampton to find out how I can help you with IRS or Massachusetts tax obligations or liens. There’s no charge for an initial consultation at my office.