Massachusetts Bankruptcy Center

Massachusetts Bankruptcy Center

I can help you overcome debt with dignity. I have helped individuals and small business owners get out of debt and get a fresh financial start for 18 years. It costs nothing to talk to me. Your initial consultation is free. Our fees are reasonable.

Firm Overview

We Listen! We Act! We Solve Problems!

Emergency Bankruptcy Services Available. For more information go to

Offices in Boston, Natick, Worcester and Springfield.

Reasonable Fees and flexible Payment Plans are offered.

Pro Bono program available for those clients who qualify.

Clients use our services because they know that they will receive the best possible service and representation with the least amount of hassles. People use our services because they know we can get the job done right. Bankruptcy is a very complicated area of the law, it is not something you want to do on your own or hire an unexperienced Attorney or one that is too busy. The costs can be great including the loss of an asset, case dimissed, audit or worse.

We answer questions, explain things clearly and are available to our clients every step of the way and even after the Bankruptcy is over, clients can call with questions.

Our bankruptcy team of attorneys and paralegals are knowledgeable and experienced in handling emergency bankruptcy filings at the drop of the hat. We have helped many families stay in their homes.

With 19 years of experience Massachusetts Bankruptcy Center is the firm that people to turn to when they want the best in the business. When a Bankruptcy goes wrong whether the person filed it themselves or hired an attorney who is not that experienced with Bankruptcy Law or Rules, Attorney Ravosa is the Attorney that many people turn to.

At Massachusetts Bankruptcy Center, we have handled many aspects of Bankruptcy, we have dealt with Audits by the U.S. Trustee, Litigation in Bankruptcy Court (Adversary Proceedings), Motion for Relief From Stay, Avoid Liens, Strip Off, Cramdown, Redemption, Defense of Motion of the Automatic Stay, Violation of the Automatic Stay or Discharge, Objections to Creditor's Motion and etc.

Our clients although not happy with the decision to file Bankruptcy, have expressed their satisifaction of the quality of services that Massachusetts Bankruptcy Center Provides. Please see a few reviews that our clients have taken time out of their busy schedule to write:

"I can not say enough about attorney Ravosa and Cynthia these people saved my home days before Christmas my house was set for auction and foreclosure sale sadly I picked a attorney who I didn't no of from my area not only did attorney Ravosa save my home he got all my money back for me he charged me nothing for that service."

"Superb lawyer! Lawyers and staff are extremely informative and understanding. Every person I spoke with and worked expressed genuine understanding and patience. Always willing to go the extra mile to ensure I understood the legal aspect of advice offered"

"Attny Ravosa's office runs like clockwork. They made sure everything was always up to date, and on time. Every step along the way his office contacted me to kept me informed and answered all of my questions quickly."

"I was not your average chapter 7 I had thousands of documents and nothing fazed this firm they stayed the course and delivered better results than I ever could have expected. The results were what they expected and they kept reassuring me things would work out and they did perfectly."

"I called two days before a foreclosure. He put our mind at ease immediately. We did a chapter 13. We had a very large trustee payment we couldn't handle. We went for a chapter 7 and a loan modification. We did the chapter 7 no problem. I never thought we'd get the loan modification because this would be our third try I thought it would be a waste of money. We were lied and cheated by another law firm and almost lost our home. I was wrong they got it done and they got it done fast. "
Main Office
Main Office
One South Avenue
Natick  MA  01760
  • (508) 655-3013
  • (617) 720-1104


Free Initial Consultation?
Services Offered For Fixed Fees?
Most Bankruptcy services are based on flat fees and can range from $0.00 (Pro Bono) to $4,000.00 for a more complicated Chapter 13 case. The fee quoted depends on the work that needs to be done in the particular case.
Hourly Rates
Varied on the complexity of the matter

Office Information

Office Hours
Posted 9:00 a.m. to 5:00 p.m. office is open later and weekends to accommodate appointments and emergencies
Office Manager
Cynthia Ravosa
Emergency After Hours
Languages Spoken
Spanish and Portuguese

Other Offices

Worcester Law Center
40 Jackson Street
Suite 1020
Worcester,  MA  01608
Boston Office
300 Commercial Street
Boston,  MA  02109
Springfield Office
603 Sumner Avenue
Springfield,  MA  01108

What distinguishes your law firm from others?

Our approach is on the individual and not solely on the process. After 18 years of experience we have modified the process to be a smooth as possible for our clients.

Our focus is on the individual and making sure that our client understands the process and has the individual support necessary to be able go through the process with the least amount of stress possible. For most Bankruptcy is a hard decision to make and it is typically the last resort. Having an Attorney who will listen, explain and be available is critical for getting through this process sucessfully.

Our office is flexible, we work how our clients want us to work. Unlike some attorneys who require that the client meets with them 4 - 5 times even before filing the petition, in this office we understand client's busy schedule, need to work, family and other demands. Our goal is to accommodate our clients without the need of putting any unnecessary burdens or demands on our clients. We accept information and documents in person, email, fax, mail or any other method which is more convenient for our clients.

We seize opportunity in Bankruptcy. Many attorneys know how to file a Chapter 7 or 13 cases but they are unaware or unable to provide services beyond the basic filing. We look for ways for our clients to obtain the best fresh start possible. Our office files motions to redeem relative our client's car loan which saves them money, file motions to avoid liens which helps to free up equity, motions to sell property so our client can reap the equity as opposed to the lender foreclosing and reaping the benefits. In Chapter 13 cases we are sometimes able to strip off 2nd and 3rd mortgages so our clients do not have to pay them. These are but a few of the opportunities available that we take advantage of for our clients.

Does your firm provide pro bono legal services or otherwise participate in your community?

Attorney Ravosa is the founder of the Massachusetts Debt Relief Foundation

We are a place to turn to if you have little or no financial resources and find yourself burdened with excessive debt or too many bills to pay and no way to pay them. Our team of dedicated and experienced bankruptcy attorneys across Massachusetts are here to help you take advantage of the bankruptcy laws, so that you can put all of your past due bills where they belong in the past. We can help you break free from the invisible chains of debt and offer you a fresh financial start. For individuals who qualify for our pro bono legal representation program, we will handle your Chapter 7 bankruptcy case from beginning to end, free of charge. You are encouraged to apply by clicking on the "Application" link on the Massachusetts Debt Relief Foundtion at We look forward to helping you overcome debt with dignity.

Richard Ravosa

Attorney Richard S. Ravosa is the founder and chairman of the Massachusetts Debt Relief Foundation, with offices in Boston, Natick, Springfield and Worcester, a 501(c)(3) approved charity, is the state's first and only pro bono firm dedicated exclusively to representing Massachusetts residents in Chapter 7 Bankruptcy proceedings with a staff that speaks Spanish, Portuguese and English.

Richard was one of only fifteen lawyers recognized in 2005 by Massachusetts Lawyers Weekly newspaper as a "Rising Star." He hosted the "Money or No Money Show" an educational radio talk show airing weekly in the Boston and Worcester areas where callers had debt relief questions answered free of charge.

Ravosa has been featured with his clients on Boston and Springfield television news, on the front page of the Sunday Republican newspaper, and has been profiled in the Boston Business Journal and other publications. In 2015 he won the Paul H. Chapman award for his pro bono debt relief program. The award is given to only five recipients a year from a national pool of nominations by the Atlanta based Foundation For Improvement of Justice. Ravosa donated his $10,000 award to the Massachusetts Debt Relief Foundation.

He received his B.A., cum laude, from Western New England College and his J.D. from Thomas M. Cooley Law School and has an accomplished record as a bankruptcy lawyer, trial lawyer, negotiator, strategist, entrepreneur and philanthropist. He has tried cases in Superior Court, District Court, Land Court, Immigration Court, and U.S. Bankruptcy Court.
  • Western New England College, Springfield, MA
    Juris Doctor , 1996
  • Thomas M. Cooley Law School
    Political Science & Philosophy , 1989

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