It’s obvious, in hindsight. If home equity is protected by a Massachusetts homestead, then a creditor should not be able to put a pre-judgment attachment lien on that home equity.
(A Massachusetts homestead automatically protect $125,000 of home equity from creditor liens. It protects $500,000 of home equity if there is a recorded declaration. It gets complicated with multiple owners.)
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Credit cards file lawsuits to show they’re upset and they miss your payment. If they win, they have a judgment against you. It’s not unusual for 
Bankruptcy can help in a lot of ways. One less well-known benefit is to free up a 
I know — a silly headline. Bankruptcy is admittedly an extreme way to lower your monthly credit card payments. But that depends on whether you are asking yourself the right question.
