You Are Not Failing. You Are Exercising a Legal Right.

Most people who contact Lamb & Lamb about bankruptcy have been living with the problem far longer than they should have. Letting unknown numbers go to voicemail. Watching minimum payments climb while balances barely move. Losing sleep. Withdrawing from people they care about because the financial shame feels too heavy to talk about. The research behind this firm found one pattern that appears in virtually every positive post-bankruptcy account: "I only wish I had done it sooner." The shame that delayed the call is almost always described as the biggest mistake of the entire experience — not the bankruptcy itself.

Lamb & Lamb, P.C. is a debt relief agency and helps people file for bankruptcy relief under the Bankruptcy Code. Monique Boucher Lamb has handled Chapter 7 and Chapter 13 cases in Massachusetts for over 25 years, including cases that intersect directly with divorce proceedings. She will tell you honestly which chapter fits your situation, what you will keep, and what the process actually looks like — because clients who have already tried debt settlement companies, credit counseling, and waiting deserve a straight answer, not another dead end.

One fact that surprises most people: Massachusetts exemptions protect your homestead equity, vehicle, retirement accounts, and personal property in the vast majority of Chapter 7 cases. Most clients keep everything they care about and emerge with qualifying unsecured debts fully discharged. And the moment a petition is filed, an automatic stay goes into effect — stopping every creditor call, lawsuit, foreclosure, and wage garnishment immediately. For clients who have been drowning in collection pressure, that silence is often the first relief they have felt in years.

Free consultations are available by phone or online. Every inquiry is returned within 24 hours — guaranteed.