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When you're facing financial hardship, even basic necessities like electricity, gas, water, and other utility services can become difficult to afford. As balances grow and shutoff notices begin to arrive, the stress can feel overwhelming. You shouldn't have to choose between keeping the lights on and paying other essential expenses.

Fortunately, bankruptcy may provide a solution. In both Chapter 7 and Chapter 13 bankruptcy cases, many past-due utility bills are considered unsecured debts and may be discharged or reorganized, allowing you to regain control of your finances.

That means regardless of how much you owe, bankruptcy may help eliminate or significantly reduce the burden of utility debt. We've helped clients dealing with hundreds of dollars in overdue utility bills, as well as families struggling with several thousand dollars in accumulated balances. In many cases, those debts were successfully resolved, allowing our clients to move forward with a fresh financial start.

Many people worry that filing bankruptcy means losing essential services. In most situations, utility companies cannot immediately disconnect your service solely because you filed bankruptcy. The law provides certain protections designed to help consumers maintain access to necessary utilities while their case is being handled.

Every situation is different, and our team can help you understand your rights and options when it comes to keeping your utility services active.

Our goal is to help you achieve lasting financial peace of mind. Whether you're struggling with utility bills, credit card debt, medical expenses, tax debt, foreclosure, vehicle repossession, wage garnishments, liens, or judgments, we're here to help.

Financial difficulties can happen to anyone. The important thing to remember is that you don't have to face them alone.

Contact Smeloff & Associates today to learn how we can help relieve your financial burdens, protect your assets, and put you on the path to a brighter financial future.

Protect payments you made in good faith before your bankruptcy filing. Our 9 convenient locations in MA have attorneys who will evaluate your situation during a complimentary same-day consultation and explain your defense options. We offer phone and virtual consultations for your convenience, and you can schedule appointments on Friday, Saturday, or Sunday. Contact us today to protect your rights.