How We Help

Overwhelming credit card balances? Never-ending creditor calls? Lawsuits for old bills? There are solutions to eliminate debt and move towards achieving your financial goals.

It all starts with a consult. With our team of specialists, we provide one-on-one in depth analysis of our clients’ income, assets, debt, as well as short-term and long-term goals to advise the best route to financial stability.

If appropriate, we then provide complete legal representation to accomplish the client’s financial goals. This representation may involve communicating with a creditor on the client’s behalf, assisting them with different student loan repayment options, or representing the client in chapter 7 bankruptcy to discharge debt.

MDRF’s clients are Massachusetts residents who do not own real estate whose income is at or below 150% of the HHS poverty Guidelines. We also have expanded our guidelines in 2015 to accept Veterans and Servicemembers at or below up to 200% of the HHS Poverty Guidelines.

We have seen with our clients more and more small claims actions, and have heard first-hand the effect of constant threatening phone calls. Often by the time clients reach our Organization they have struggled for years, believing there was no way out.

When appropriate, a Chapter 7 Bankruptcy Discharge allows families to truly move on from living in debt. A bankruptcy filing immediately stops collection lawsuits and wage garnishments, and provides an immediate sense of relief. The endless threatening phone calls and bills stop coming, and families can learn how to live within a budget and rebuild credit to meet their financial goals.