Norman Novinsky Esq. Novinsky & Associates - Brockton, MA

Over 40 Years of Bankruptcy and Debt Relief Excellence in Brockton

At Novinsky and Associates, we understand that overwhelming debt can create an immense emotional and financial burden on you and your family. Based in Brockton, Massachusetts, our practice is led by Norman Novinsky Esq., a seasoned attorney with over forty years of dedicated experience in bankruptcy law and consumer advocacy. Since entering the legal profession, Attorney Novinsky has helped countless individuals, families, and local business owners successfully navigate the complex federal bankruptcy courts. If you find yourself constantly worrying about collections, lawsuits, or losing your home, finding an experienced bankruptcy lawyer is the single most important step you can take. We provide a supportive, non-judgmental environment to analyze your financial circumstances and outline the most effective path forward.

Chapter 7 Bankruptcy: Eliminating Unsecured Debts

For many individuals struggling with high credit card balances, medical bills, or personal loans, Chapter 7 bankruptcy provides the most direct route to financial recovery. Often referred to as liquidation bankruptcy, this process allows eligible debtors to completely wipe out their qualifying unsecured debts in just a few months. Norman Novinsky Esq. carefully evaluates your household income and expenses using the Massachusetts bankruptcy means test to determine your eligibility. Our team guides you through the complex paperwork, helps you understand state and federal exemption laws to protect your personal assets, and ensures you achieve a successful discharge. Hiring a bankruptcy lawyer to manage your Chapter 7 petition reduces the stress of filing and secures the fresh start you deserve.

Chapter 13 Bankruptcy: Protecting Your Home from Foreclosure

If you do not qualify for a Chapter 7 discharge, or if you are facing a pending foreclosure on your home, Chapter 13 bankruptcy offers a powerful legal alternative. This form of bankruptcy, often called a wage earner's plan, allows individuals to consolidate their debts into a manageable, court-approved payment plan over three to five years. Under Chapter 13, you can catch up on missed mortgage payments, stop foreclosure proceedings, and prevent the repossession of your motor vehicle. Attorney Norman Novinsky specializes in drafting precise, realistic Chapter 13 repayment plans designed to protect your home and preserve your assets. By establishing a direct, organized plan, you can regain control over your financial obligations while keeping your family secure.

Stop Creditor Harassment with the Automatic Stay

One of the most immediate benefits of filing any chapter of bankruptcy is the federal automatic stay. From the minute your bankruptcy petition is filed in court, a legal barrier goes up that makes it illegal for creditors, collectors, or lenders to contact you or take any collection actions. This court order immediately stops harassing phone calls, collection letters, wage garnishments, pending lawsuits, and utility shut-offs. At Novinsky and Associates, we make sure that creditors respect the automatic stay, and we are prepared to take legal action if they violate your rights. If you urgently need a debt collection defense lawyer to halt predatory collection actions, our Brockton office is prepared to step in and offer immediate relief.

Compassionate and Experienced Local Representation

What sets Novinsky and Associates apart is our decades of localized experience and hands-on, personalized service. We recognize that financial distress can arise from unexpected events like job losses, medical emergencies, or divorce. Attorney Norman Novinsky works directly with each client, ensuring you receive honest, candid advice and direct accessibility throughout the entire legal process. We accept credit cards and offer completely confidential consultations to make the process as straightforward and stress-free as possible. For those looking to hire a bankruptcy attorney in Plymouth County who has an unshakeable track record of success, Norman Novinsky Esq. stands ready to help you rebuild your future.