The Law Office of Robert W. Kovacks, JR. offers professional legal services to those in Worcester, Massachusetts and all surrounding counties.  Those with large debts who are unable to keep up with monthly payments may find relief from credit collection activities through the protection of the bankruptcy courts.  Upon the filing of a bankruptcy, all collection efforts must cease.  It allows the debtor a chance to formulate a workable solution whether discharging of certain debts or restructuring debts and payment plans.  It is important to seek legal advice from an attorney who can help establish the best route to pursue among the different types of bankruptcies whether Chapter 7, Chapter 11, or Chapter 13.  Many are able to rid themselves of credit card debts, medical bills, and other financial obligations while maintaining certain real and personal properties.  A business entity may be able to continue operations while reorganizing debts.  You can learn more about the firm at www.rkovacslaw.com.