Bankruptcy

Our aim is to help people who are losing sleep because of money worries. We help those who do not answer their telephones because collectors are calling. We are there for clients who want to see an end to their financial struggle. A key ingredient to our success and to our job satisfaction is providing peace and calm to those in financial chaos. That may not necessarily mean filing bankruptcy, and we also look at other alternatives.

• Chapter 13
• Chapter 7
• Collections & Repossessions
• Debt Relief
• Garnishments
• Business Bankruptcy
• Creditor Harassment
• Personal Bankruptcy
• Foreclosures

MA, Jun 1996

Massachusetts State Court, United States District Court for Massachusetts, Massachusetts Federal Bankruptcy Court.

Massachusetts and Essex County Bar Associations, National Association of Consumer Bankruptcy Attorneys.

I attend legal education seminars on the topics of bankruptcy, civil procedure, personal injury, OUI matters and trial techniques.

Subrogator, "Leveraging International Carriage of Goods Expertise." (Fall, 2007)

Our first client, a 27 year old attorney, had accumulated $28,000 in unsecured credit card debt while attending college and law school. His assumption was that these debts, along with $90,000 in student loans, would be driven down once he obtained a high paying job. This did not happen and having an awareness of the daily burden this placed on debtor and his ability to function, after trying other methods for relief, bankruptcy became the right thing to do. Debtor opted to file for Chapter 13 rather than Chapter 7 so as to pay something back to his creditors and begin restoring his credit score. Debtor has since seen his credit score creeping up as well as a new awareness to financial responsibility.

We regularly assist clients in being able to retain their automobiles and homes despite filing for bankruptcy protection. Most information people read prior to meeting with an attorney misleads them into thinking they will lose all of their real and personal property. That is not correct. When we walk out of the court and are on the steps saying our good-byes, the relief on the faces of my clients and the realization that they can begin again is an extremely satisfying moment for me.

We have also successfully saved the lives of a few dogs sentenced to death in several different states. Our representation of these animals developed through the internet after we had done a favor for a friend of the firm. The decisions to put animals down for alleged biting incidents are made too easily by non-qualified individuals with loud voices. Typically a dog and its owner are denied due process. We step in to verify that proper procedures are followed and that the right decisions are made to conclude the matter. It is not our specialty, but these cases offer a great challenge and are very provocative in small towns.

Jessie the German Shepherd:
Marblehead shepherd ordered euthenized
Death sentence on fugitive dog appealed - SalemNews.com, Salem, MA
Pardon sought in case of condemned dog
Lynn Court overturns Marblehead dog ruling

Niko the lab mix:
Dog owner to appeal death sentence
Our View: Rowley selectmen make right decision


Bronson the pit bull:
Lawyer defends 'dangerous' pit bull that attacked four
http://www.wbz.com/pages/4534348.php?contentType=4&contentId=4118933

4

Massachusetts

The firm is focused on delivering personal and superior service to our clients during our effort to bring them financial health. We also handle general law practice cases as they may arise, including personal injury and operating under the influence matters, but remain focused on bankruptcy.

The origins of the firm date back to the mid-1970s. It was then that Attorney McCarthy had begun developing a law practice that emphasized long hours of hard work for bankruptcy and personal injury clients. After more than three decades of success, we are proud that Attorney McCarthy retired as a member of Cohen & Associates. The tradition of the way he practiced law is not only our history, but our priority.

Just out of law school, I began working on class-action lawsuits on behalf of consumers who were manipulated into losing their long-term savings by life insurance agents in the 1980s and 1990s. This gave me a good foundation for helping individuals with financial concerns.

I continued my career as an attorney working in the insurance industry. For several years I managed worldwide, multi-million dollar claims and litigation on behalf of General Electric. It was there that I was influenced by the GE model for setting high expectations for my performance and client service.

I am Vice President of the Board of Directors of the Salem Harbor Community Development Corporation (a non-profit entity). Earlier in 2009, the Salem Five Bank selected me to be a corporator for their Board of Directors. Previous to that appointment, I was named an advisory member to the board of directors of Beverly National Bank. I am a volunteer coordinator for the Salem Alliance of Food Pantries. I also am a member of the adjunct admissions committee for Clark University.

Heather Burton.

(978) 744-1145

Monday through Friday
7:00 a.m. to 8:00 p.m.

No

Yes, Creole and Spanish.

We offer a pay-at-your-pace program. With your down payment of $500, you can tell creditors to call us instead of you. You have retained our services. Then, without us ever invoicing you or burdening you, you pay the remainder of the fee as you can. Cohen & Associates tries hard to relieve the stress of financial worries immediately by providing this interest free payment program. Once the fee is paid in full and all updated information is received, we will file your bankruptcy petition. I am pleased to offer discounts for those who mention Nolo.

Not applicable.

Yes, a 30 minute free initial consultation.

Once the down payment of is made, I offer my clients a pay at your pace program. The overall fee depends on the type and complexity of the bankruptcy filing. I know the money struggles we all have and I do not want to be a financial burden to my clients. So I offer a free program where the remainder of the fee is paid. When the client sends in money, we credit their account. Once the entire fee is paid in full, we will prepare and launch the bankruptcy petition. Some clients take nearly a year to pay, and that is the way we operate.