Law Office of Wendy Mead, PC

Have you seen this positive customer review? Check it out! We love hearing from you!

"Could not have asked for better support in a very challenging time!"

We hope to provide you with the same level of customer satisfaction! To get started with our services, contact us today.

https://www.meadlawoffice.com/reviews

Have you seen our latest blog post about the four signs bankruptcy may be around the corner? Check it out.

"Unfortunately, many people are dealing with money problems, particularly with the state of the economy. If you're at the end of your financial rope, you may have to consider bankruptcy. While bankruptcy should be a last resort, it may be unavoidable with no cash flow and mounting bills. Here are signs bankruptcy may be around the corner."

For more information, be sure to keep reading on our website. To get started with our services, contact us today.

https://www.meadlawoffice.com/4-signs-bankruptcy-may-be-around-the-corner

With the increase in expenses, credit cards are becoming a common form of payment. However, this comes at great expense to the borrower. A card is considered "maxed out" once it reaches its credit limit - this applies to all sectors, and ages, of the population. Specifically, Gen Xers are maxed out at a rate of 15.3%, 12.1% for Millennials and Boomers are at a low 4.8%. This doesn't mean Boomers are more responsible, they just have higher credit limits which impact the percentages (for Gen Z credit limits average $4,500.00 vs $22,000.00 for Boomers). Throughout all age groups, credit cards are 8.9% 90 days delinquent, or more. This is the highest since 2011. Remember, the more money that you have to direct toward credit card payments means less money is going toward your retirement. (statistics are the work of Not Your Boss).

Please give us a call (508) 751-0200 to discuss your current financial situation and possible resolutions.

Bankruptcy Worcester, MA | Wendy M. Mead, Attorney Choose Wendy M. Mead, Attorney for Chapter 7, 11, and 13 bankruptcy in Worcester, MA. Give us a call today for a free consultation or to learn more!

How often can I file? We have an answer!

"A debtor may file a subsequent Chapter 7 bankruptcy eight years after receiving a discharge in a prior bankruptcy. There are some changes to this time restriction if the debtor intends to file a Chapter 13 bankruptcy. Your attorney will discuss how your personal bankruptcy history would impact a new filing. For more information about filing for bankruptcy in Worcester, MA, contact us today."

For more great questions like this one, be sure to visit our FAQ page. To get started with our services, contact our team today!

https://www.meadlawoffice.com/frequently-asked-questions

Are you wondering if your creditors will keep contacting you? We have an answer for you. Take a look.

"Your creditors are allowed to continue to contact you up until the time that you actually file. However, once you have filed your petition, all of your creditors will be notified and given your case number. Once that happens, they cannot take any action to collect on the debt. This would include letters, telephone contact, the filing of legal actions, etc. For more information about bankruptcy in Worcester, MA, contact Wendy M. Mead, Attorney today."

For more great questions like this one, visit our website below.

https://www.meadlawoffice.com/frequently-asked-questions

Are you wondering why you should choose us? We have an answer for you. Take a look.

"If you feel like you've lost control over your finances in the last couple of years, you're not alone. We have helped countless people through job losses, pandemic issues, and unemployment as well as those living off credit. Let's figure out a plan together to help you with your personal or business finances and get things back in order."

To read on, visit our website below. Give us a call today to learn more about our services.

https://www.meadlawoffice.com/

Wondering whether you can keep your home and car if you file for bankruptcy? We have an answer!

"It is possible to retain assets secured by loans provided that you can maintain the payments and insurance on these items. Your bankruptcy attorney in Worcester, MA will advise you what payments must continue to be made after you file and what arrearage payments, if any, must be brought current."

For more great questions like this one, be sure to visit our FAQ page. To get started with our services, contact our team today!

https://www.meadlawoffice.com/frequently-asked-questions

Feeling overwhelmed by your debt? Money Talks News interviewed over 1000 consumers. They found that 61% respondents experienced stress, 48% experienced anxiety, 44% experienced depression and 20% experienced sleeplessness. There is no need to let your financial situation impact your physical or mental health. Give us a call for a free consultation to review your options. (508) 751-0200.

Bankruptcy Worcester, MA | Wendy M. Mead, Attorney Choose Wendy M. Mead, Attorney for Chapter 7, 11, and 13 bankruptcy in Worcester, MA. Give us a call today for a free consultation or to learn more!

Did you know we offer consultations for Chapter 11 bankruptcy? Check it out!

"Certain provisions also exist for very specific Chapter 11 filings, such as single-asset cases, “small business” cases, and individual debtors. When you want to receive more information from Chapter 11 bankruptcy attorneys, contact Wendy M. Mead, Attorney today."

For more information or to get started with our services, contact us today. We look forward to serving you!

https://www.meadlawoffice.com/chapter-11-bankruptcy/chapter-11-bankruptcy-attorney-information

pay off your car, credit score decreases.
pay off student loans, credit score decreases.
credit reporting agencies recommend obtaining more debt to increase your credit score.
Don't rely on credit karma or other credit score sites. Give us a call for a no cost, no obligation consultation via zoom or in the office. We can give you credit building information that will actually work for you. (508) 751-0200 www.meadlawoffice.com

Bankruptcy Worcester, MA | Wendy M. Mead, Attorney Choose Wendy M. Mead, Attorney for Chapter 7, 11, and 13 bankruptcy in Worcester, MA. Give us a call today for a free consultation or to learn more!

Massachusetts has the 8th highest level, per capita, of consumer debt in the country. Individuals in MA average over $127,000.00 in personal debt.

If you are feeling overwhelmed with your own debts please give us a call for a free consultation. (508) 751-0200

Bankruptcy Worcester, MA | Wendy M. Mead, Attorney Choose Wendy M. Mead, Attorney for Chapter 7, 11, and 13 bankruptcy in Worcester, MA. Give us a call today for a free consultation or to learn more!

Here are some little known facts about debt settlement:
If using an agency, your monthly fee to the provider includes a significant "servicing" fee that does not get applied to your debt.
The debts are not actually settled until enough money accrues to pay a single card. During this time, the debt will go into collection and you are subject to civil litigation.
The vast majority of creditors will only accept a single lump-sum payment as settlement.
Any "forgiven" debt will be considered earned income and you will be sent a 1099. This MUST be declared on your tax return.
Before you attempt to settle this debts on your own, or perhaps using a settlement company, give us a call at (508) 751-0200 to review your options. We provide free consultations via zoom, telephone or in our office.

Have you seen this positive customer review? Check it out! We love hearing from you!

"What a fantastic phone call with Wendy. I left her a voicemail around 9:45 she called me back by 10:20 and spent almost an hr teaching me exactly how to handle my situation. Then she refused compensation, coached me further and left me feeling confident and hopeful towards an appropriate resolution to my scenario."

We hope to provide you with the same level of customer satisfaction! To get started with our services, contact us today.

https://www.meadlawoffice.com/reviews

Are you curious about what property you can keep while filing bankruptcy? We have an answer.

"Every state offers certain exemptions that allow you to retain personal property and real estate. Massachusetts is one of the minority states that allows you to elect to take the federal exemptions or the Massachusetts state exemptions. Your bankruptcy attorney in Worcester, MA will discuss which is most beneficial to you. Many items that are considered to be "luxuries" will not be exempt and may be liquidated by the bankruptcy trustee for the benefit of your creditors."

For more great questions like this one, be sure to visit our FAQ page. To get started with our services, contact our team today!

https://www.meadlawoffice.com/frequently-asked-questions

Have you seen our latest blog post about bankruptcy laws? Check it out!

“Bankruptcy is something that affects all kinds of people. There are different types of bankruptcy, too. For example, according to LegalJobs, medical bankruptcy is something that 24% of respondents face. With different forms of bankruptcy, it's important to have a good understanding of the various laws. Here's everything you need to know!”

For more information, be sure to keep reading on our website. To get started with our services, contact us today.

https://www.meadlawoffice.com/everything-you-need-to-know-about-bankruptcy-laws

How do I know if I am eligible to file a Chapter 7 bankruptcy? We have an answer!

"The eligibility to file a Chapter 7 bankruptcy in Worcester, MA is based on household income. The federal government has set median income standards for each state based on household size. Your attorney will discuss the median income for your individual household situation."

For more great questions like this one, be sure to visit our FAQ page. To get started with our services, contact our team today!

https://www.meadlawoffice.com/frequently-asked-questions

In the past few months we have received multiple document requests from prior clients that are purchasing homes and motor vehicles. The misconception is that a bankruptcy destroys your credit moving forward. The fact is that staying current on secured and/or unsecured debt after a bankruptcy will increase your score rather quickly. In addition, there will likely be a significant change to your "debt to income ratio" that will rapidly increase your credit score.

Please call us at (508) 751-0200 to discuss your options and ways in which we can be of assistance!

Bankruptcy Worcester, MA | Wendy M. Mead, Attorney Choose Wendy M. Mead, Attorney for Chapter 7, 11, and 13 bankruptcy in Worcester, MA. Give us a call today for a free consultation or to learn more!

Have you seen our blog post about the four questions to ask bankruptcy lawyers? Check it out!

"Filing for bankruptcy is a significant financial decision many face. Bankruptcy laws are complex, and some will have a more significant impact than others. However, filing for bankruptcy is surprisingly common. According to Reuters, bankruptcy filings in the U.S. climbed by 18% in 2023. Speaking with bankruptcy lawyers is essential during this time. Make sure you ask them these four questions, so you're well informed."

For more information, be sure to keep reading on our website. To get started with our services, contact us today.

https://www.meadlawoffice.com/4-questions-to-ask-bankruptcy-lawyers

Were you overly generous this holiday season? The national level of credit card debt is over $1 trillion dollars!! The balance on an average credit card is close to $7,000.00 (TransUnion). Less than half of consumers can pay off their December balance in January, leading to debt balances that continue to grow.

If you are burdened by credit card debt please give us a call so that we can provide some options to resolve collection issues.

(508) 751-0200

Bankruptcy Worcester, MA | Wendy M. Mead, Attorney Choose Wendy M. Mead, Attorney for Chapter 7, 11, and 13 bankruptcy in Worcester, MA. Give us a call today for a free consultation or to learn more!

Does my spouse have to file? We have an answer!

An individual can certainly file without their spouse on their own debts. If a debt is in both names, and only one spouse files, the automatic stay would protect both during the bankruptcy (for example, to stop a foreclosure). However, the non-filing spouse would ultimately remain responsible on the joint debt. Keep in mind that even if only one spouse files, the bankruptcy code still requires that income for the entire household be reported. In many cases, it makes sense for both to file to address the long term impacts of the debts. For assistance from a bankruptcy attorney with significant experience, call us today.

For more great questions like this one, be sure to visit our FAQ page. To get started with us, contact our team today! (508)751-0200

FAQs | Wendy M. Mead, Attorney Visit our FAQ page to learn more about Wendy M. Mead, Attorney.

Have you seen this positive client review from Kevin? Check it out! We love hearing from you!

"Wendy definitely helped me during a very difficult time in my life. My charity auction business was destroyed by the pandemic and thank god I found Wendy. She and her assistant Mayte showed extreme professionalism, patience and kindness for nearly a year before my case was finally resolved. Without getting into details I feel like a 100 lbs was lifted off my chest. I highly recommend Wendy and her law firm."

We hope to provide you with the same level of satisfaction! To get started with our services, contact us today.

https://www.meadlawoffice.com/reviews

Have you seen our latest blog post about the consequences of not meeting with a bankruptcy attorney? Check it out!

"Times can be tough for both individuals and businesses economically. In fact, according to Legal Jobs, 7,000 businesses had to make the decision to declare bankruptcy in 2021. If this sounds like your situation, don't try to declare bankruptcy without the assistance of seasoned bankruptcy attorneys. Here are just three reasons why this is an important step to take."

For more information, be sure to keep reading on our website. To get started with our services, contact us today.

https://www.meadlawoffice.com/the-consequences-of-not-meeting-with-a-bankruptcy-attorney

The holidays are right around the corner! Be careful what you put on those credit cards. More than 16 million people have missed regular payments on varied debts this year, 2 million for the first time. If you suspect that you may miss a payment on your credit cards, mortgage, utility payments or other debt give us a call right away to discuss your options: (508) 751-0200

Bankruptcy Worcester, MA | Wendy M. Mead, Attorney Choose Wendy M. Mead, Attorney for Chapter 7, 11, and 13 bankruptcy in Worcester, MA. Give us a call today for a free consultation or to learn more!

Are you wondering how often you can file for bankruptcy? We have the answer.

"A debtor may file a subsequent Chapter 7 bankruptcy eight years after receiving a discharge in a prior bankruptcy. There are some changes to this time restriction if the debtor intends to file a Chapter 13 bankruptcy. Your attorney will discuss how your personal bankruptcy history would impact a new filing. For more information about filing for bankruptcy in Worcester, MA, contact us today."

For more great questions and answers, be sure to visit the FAQ page on our website. To get started with our bankruptcy services, give us a call today.

https://www.meadlawoffice.com/frequently-asked-questions

Are you wondering if you can keep your home and car if you file for bankruptcy? We have an answer for you. Take a look.

"It is possible to retain assets secured by loans provided that you can maintain the payments and insurance on these items. Your bankruptcy attorney in Worcester, MA will advise you what payments must continue to be made after you file and what arrearage payments, if any, must be brought current."

For more great questions like this one, visit our website below. Give us a call today to get started.

https://www.meadlawoffice.com/frequently-asked-questions

Have you seen this positive customer review? Check it out! We love hearing from you!

“Wendy is one of the most compassionate and caring people that I have had the pleasure of working with. She is amazing at what she does and has helped my family tremendously. She treated us with dignity and respect during a very difficult time. I would highly recommend Wendy and Paula and would not consider anyone else to represent me. Wendy and Paula deserve 10 stars for their work and dedication to their clients!!”

We hope to provide you with the same level of customer satisfaction! To get started with our services, contact us today.

https://www.meadlawoffice.com/reviews

KC
When I embarked on my search for an attorney, I contacted several lawyers that I found online, but didn’t feel the level of trust and confidence in them that I needed to move forward. I came to a point where I felt disillusioned and ready to give up. I eventually returned to my search thinking that there has to be a good lawyer out there somewhere. Sure enough, with renewed hope in my heart, my search pointed me in the right direction this time when I came across Attorney Mead’s website. I left a message and was soon speaking with her and her wonderful legal assistant, Paula. My conversations with Wendy immediately felt positive and I knew that I found the right lawyer to help me navigate the complex and daunting road ahead. She took the time to explain each step and made me feel comfortable and optimistic. She answered all of my questions right away and was on top of everything. I was so impressed on many levels. Wendy is knowledgeable, professional, kind and empathetic; possessing all qualities that you’d find in a person of good character. I believe that fate brought me in her direction and the outcome turned out to be a positive one. I am so grateful for all that she has done for me. I can’t thank her enough and I would highly recommend her to anyone who needs a top-notch trustworthy lawyer. Wendy is a class act! On a scale of 1 to 10, I’d give her an 11!

8/21/2023

Nothing pleases us more than happy clients! Give us a call at (508) 751-0200 for a free consultation!

Will my creditors keep contacting me? We have an answer!

“Your creditors are allowed to continue to contact you up until the time that you actually file. However, once you have filed your petition, all of your creditors will be notified and given your case number. Once that happens, they cannot take any action to collect on the debt.”

For more great questions like this one, be sure to visit our FAQ page. To get started with our services, contact our team today!

https://www.meadlawoffice.com/frequently-asked-questions

Have you seen this positive review? Check it out!

"Wendy is amazing! She is professional, empathetic, timely and the list goes on. I had a different attorney deal with a business issue and the job wasn’t done.I was referred to Wendy and she cleaned up the mess. I now call Wendy for all of my legal issues. Her fees are more than fair and the job gets done! I can’t say enough about what she did for me."

We strive for this level of customer satisfaction. Give us a call today!

https://www.meadlawoffice.com/reviews

Are collection agencies calling you constantly? The Fair Debt Collection Procedures Act (FDCPA) limits the times that they can call you from 8:00 am to 9:00 pm. If you tell them (the lines are recorded) that they can't call you at work they have to abide by that. Also, they can not call you more than 7 times in a 7 day period. The reality is that its hard to prove they are violating the FDCPA. One way to get all of the calls to stop is to have a free consultation with us to review your options. Give us a call at (508)751-0200 meadlawoffice.com

Bankruptcy Worcester, MA | Wendy M. Mead, Attorney Choose Wendy M. Mead, Attorney for Chapter 7, 11, and 13 bankruptcy in Worcester, MA. Give us a call today for a free consultation or to learn more!