Filing Chapter 7 bankruptcy doesn't automatically mean losing your car. Whether you can keep it depends on the vehicle's value, the loan balance, available exemptions, and your ability to continue making payments.
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A creditor may be able to freeze money in your checking or savings account, but Massachusetts law protects certain funds from attachment. Understanding those protections and how bankruptcy works can help you avoid an unexpected financial emergency.
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Many people are surprised to learn that a tax refund they haven't received yet may be considered an asset in Chapter 7 bankruptcy. Whether you can keep the refund depends on when you file, how much you expect to receive, and which bankruptcy exemptions are available.
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If a creditor has obtained a judgment against you, it may be able to take part of your paycheck. Massachusetts law protects a substantial portion of your wages, and bankruptcy may stop the garnishment altogether.
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