Massachusetts Bankruptcy Center

Overcome Debt with Dignity! We have provided quality and individualized services for both individuals and businesses for over 16 years. There is no Charge for your initial consultation or subsequent consultations. Reasonable fees and payment plans.

Contact Us

Firm Overview

We Listen! We Act! We Solve Problems!

Emergency Bankruptcy Services Available.

Offices in Boston, Natick, Worcester and Springfield.

Reasonable Fees and flexible Payment Plans are offered.

Pro Bono program available for those clients who qualify.

Our clients come from all over the state because they know that they will receive the best possible service and representation with the least amount of hassles. With over 16 years of experience we have simplified the process to make Bankruptcy less of a headache for our clients.

Main Office

Main Office
40 Jackson Street
Suite 1110
Worcester  MA  01608

  • (508) 655-3013
  • (508) 655-7035


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 Chapter 13 case. The fee quoted depends on the work that needs to be done in the particular case. For Pro-Bono cases a simple online application is required.

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 to accommodate appointments and emmergencies

Office Manager

Cynthia Ravosa

Emergency After Hours


Languages Spoken

Spanish and Portuguese

Other Offices

  • Natick Location
    One South Avenue
    Natick,  MA  01760
  • Boston Office
    236 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 16 year 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. Will someone listen, explain and be available is critical for getting through this process intact.

Our office is flexible, we work how our clients want us to work. Unlike some attorneys who requires 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, these are but a few of the opportunities available that we take advantage 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


Recognized by Massachusetts Lawyers Weekly in August, 2005 as one out of fifteen Rising Stars/Up & Coming Lawyers who have been members of the bar for ten years or less, but who have already distinguished themselves .

Honored at the Moakley U.S. Courthouse in Boston, MA in September, 2005 by David L. Yas, Esq., Publisher/Editor
  • Western New England College, Springfield, MA
    Juris Doctor , 1996
  • Thomas M. Cooley Law School
    Political Science & Philosophy , 1989

* Nolo has confirmed that every member attorney has a valid license and is in good standing with the state agency that licenses lawyers. Any past disbarments and suspensions (with possible exceptions for minor violations or nonpayment of dues, in our discretion) will be indicated accordingly in the badge. Member attorneys are required to notify Nolo immediately if they become the subject of any disciplinary action by any state licensing agency.