Am I Eligible?

The Massachusetts Debt Relief Foundation offers free legal representation in Chapter 7 Bankruptcy for low-income individuals in every town throughout Massachusetts.

You may be eligible if:

Your household income is within the guidelines of the table below.

You do not own a house or any other real estate.

You do not have more than $2,000 in cash in any account, including retirement accounts. (Excludes social security benefits)

The value of all of your other property is not more than $10,000.

These guidelines may be adjusted on a case by case basis based on a specific need or unusual hardship.

To find out if you qualify you can:

Fill out our Application.

Email us at probonobk@gmail.com

Call us at 508-232-4633 for eligibility verification.

Monthly Poverty Guidelines – Used for Court fee waiver eligibility
(150% of HHS Poverty Guidelines 2016)

Persons in Household

Monthly Income

Annual Income

1

$1,485.00

$17,820

2

$2,002.50

$24,030

3

$2,520.00

$30,240

4

$3,037.50

$36,450

5

$3,555.00

$42,660

6

$4,072.50

$48,870

7

$4,591.25

$55,095

8

$5,111.25

$61,335

 

 

 

For each additional person add

$520.00

$6,240

Income Guidelines for Veterans, National Guardsmen and Members of the Military

We added separate eligibility guidelines for Veterans and service members. It should be clear these income levels are for veterans and servicemembers only, and all other applicants are limited by the first chart.

Beginning October of 2015, MDRF’s eligibility guidelines have been expanded so that the income limits for veterans, national guardsmen and members of the military is limited by 200% of the HHS Poverty Guidelines. This increase is over the 150% limit relied on by the Bankruptcy Court in granting fee waivers, so clients accepted with income over 150% will be responsible for the $335 court filing fee and the cost of the two required bankruptcy courses, which generally cost between $10-50 per course. However, qualifying clients will not be charged a legal fee.
Monthly Poverty Guidelines – Used for Court fee waiver eligibility (200% of HHS Poverty Guidelines 2016)

Persons in Household

Monthly Income

Annual Income

1

$1,980.00

$23,760

2

$2,670.00

$32,040

3

$3,360.00

$40,320

4

$4,050.00

$48,600

5

$4,740.00

$56,880

6

$5,430.00

$65,160

7

$6,121.67

$73,460

8

$6,815.00

$81,780