Our office provides legal services throughout southeastern Massachusetts and is a general practice firm which provides advice and assistance in many  situations. We specialize in trial litigation and hold your rights in the highest regard. We strive to provide services in a personalized manner that is generally unavailable in a larger firm.

Personal Bankruptcy

At this point in time most people have heard that President Bush and financial industry lobbyists have pressured Congress to enact a new Bankruptcy Law which went into effect on October 17, 2005. Reports of the end of bankruptcy as a debt relief option have been overstated. Under the new law there is no doubt that obtaining bankruptcy relief will now be more expensive and there will be more steps you will need to take to obtain a discharge. But, for anyone who has an income below Massachusetts Median Income Standards it is still a relatively uncomplicated tool for debt relief. The assistance of an attorney is needed now more than ever.

Bankruptcy still remains a right provided to all Americans who have incurred debts that have become, for one reason or another, greater than their ability to pay. There are two types of bankruptcies individuals can file. In Chapter 7 individuals receive forgiveness of their debts outright. In Chapter 13 individuals prepare a "Plan" whereby they arrange to make set payments to their creditors over time (customarily 3 to 5 years). No one type of bankruptcy is right for everyone. Generally people with little in the way of assets will prefer to file for Chapter 7 and people with larger asset holding, and higher levels of income, Chapter 13. Most Chapter 7 and Chapter 13 personal bankruptcies still will involve no loss of property.

About Mr. Koban:-

Attorney Koban has been a practicing member of the Massachusetts bar and has actively been trying cases in the courts of Massachusetts since 1978. He is a graduate of the Boston University School of law and a member of the Massachusetts Bar Association, the Massachusetts Academy of Trial Attorneys, The Bristol County Bar Association and the Attleboro District Court Bar Association.

Attorney Koban is admitted to practice in all courts of the Commonwealth of Massachusetts as well as in the Federal District and Bankruptcy Courts of Massachusetts and Rhode Island, the Federal First Circuit Court of Appeals and the Supreme Court of the United States.

Attorney Koban is  an approved panel attorney for the ARAG Group Legal Services Plan. He has been awarded a "BV" rating by the firm of  Martindale and Hubbell which connotes that his fellow attorneys believe him to possess superior legal competencies and the highest ethical values.

Member of:
American Bar Association
Massachusetts Bar Association
Massachusetts Academy of Trial Attorneys
Bristol County Bar Association
Attleboro District Court Bar Association