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Directory of bankruptcy lawyers in Spencer, Massachusetts. Verify credentials with the state bar before hiring.
2 attorneys listed
Updated May 2026
Spencer, MA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeAttorney.com. We do not endorse any attorney or guarantee outcomes. Verify licensing and disciplinary status with the State Bar of Massachusetts before hiring.
Showing 2 bankruptcy lawyers in Spencer, MA
Listings are displayed in no particular order and are not ranked by BeforeAttorney. Order does not constitute a recommendation or endorsement of any attorney.
Philip R Stoddard Attorney
188 Main St, Spencer, MA 01562
(508) 885-2557 centralmassrealestatelaw.com
Roger F Banks
130 W Main St, Spencer, MA 01562
(508) 885-9400
Residents of Spencer Massachusetts facing overwhelming debt can seek relief through bankruptcy. A local bankruptcy lawyer can guide you through Chapter 7 or Chapter 13 filings under federal law. Massachusetts law requires credit counseling before filing and provides certain exemptions for your home and personal property.
What Does a Bankruptcy Lawyer in Spencer Cost?
The cost to hire a bankruptcy lawyer in Massachusetts typically ranges from $1,200 to $3,500 for a Chapter 7 case. Chapter 13 cases often cost between $3,000 and $6,000 due to more complex paperwork and court supervision. Court filing fees are separate and currently $338 for Chapter 7 and $313 for Chapter 13. These are estimates and your specific case may cost more or less. This is general information and not legal advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by attorney and case complexity. This is not legal advice — consult directly with an attorney for fee specifics.
Frequently Asked Questions
What types of bankruptcy are available in Spencer Massachusetts?
The two main types for individuals are Chapter 7 and Chapter 13. Chapter 7 liquidates non-exempt assets to pay debts. Chapter 13 creates a repayment plan over three to five years.
How long does a bankruptcy stay on my credit report in Massachusetts?
A Chapter 7 bankruptcy stays on your credit report for 10 years from the filing date. A Chapter 13 bankruptcy stays for 7 years. These time limits follow federal credit reporting rules.
What property can I keep if I file for bankruptcy in Massachusetts?
Massachusetts allows you to use state exemptions to protect certain property. You can keep up to $500,000 of equity in your home, one vehicle up to $7,500, and household goods up to $15,000 total. These amounts are subject to change.
Need a Bankruptcy Lawyer?
Contact this list of lawyers to find the right fit for your situation.
About Our Listings
Attorneys listed on BeforeAttorney.com are compiled from publicly available directories, state bar records, and business listings. Inclusion does not constitute endorsement. We do not verify attorney licensing, disciplinary status, or qualifications. Verify each attorney's current standing with the State Bar of Massachusetts.