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1 Bankruptcy Attorney & Lawyer Stoughton, MA Free initial consultation The have offered professional legal advice and representation for individuals throughout South Shore, MA and the surrounding areas for over 20 years. We understand that choosing the right attorney can be difficult, especially during unfortunate life events. From your initial consultation to the final result, Attorney Lawrence J. Rose will provide you with personal attention and compassionate representation during your most difficult life happenings. We specialize in Bankruptcies and can help you understand the new government guidelines. Many of the clients that come to see us still see the benefits of filing for relief under one of the bankruptcy guidelines. Attorney Lawrence J. Rose's Legal Services Include: Bankruptcy Law Personal Injury Law Real Estate Law Business Law When you need help regarding the law and your legal options, Attorney Lawrence J. Rose will provide you with the most knowledgeable and professional legal services that you can count on. Call the today at (781) for a free initial consultation. If you have any other questions or comments, please contact us.

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3 South Shore, MA Bankruptcy Law Attorney Lawrence J. Rose offers Stoughton, MA and it's surrounding areas with reliable legal advice and representation for individuals seeking financial relief. For over 20 years, Attorney Rose has assisted numerous clients with filing bankruptcy, building credit, and keeping their homes. For all your legal needs regarding bankruptcy advice and representation, the will provide you with their personal attention and the aggressive representation needed to get you back on the path to financial freedom. Bankruptcy Representation Includes: o Financial analysis o Rebuilding your credit o Foreclosure Bankruptcy FAQ Includes: o All your questions and concerns regarding your credit, your home and your freedom. When you need help in the area of bankruptcy and your legal options, Attorney Lawrence J. Rose will provide you with the most knowledgeable and professional legal services that you can count on. Call the today at (781) for a free initial consultation, or browse our website for more information regarding Personal Injury Law, Real Estate Law or Business Law. If you have any other questions or comments, please contact us.

4 South Shore, MA Business Law The have aided business owners throughout Massachusetts settle their contract negotiations and disputes for 25 years. Whether you seek legal help for business disputes, buying or selling a business, or contract preparation, Mr. Rose will help you successfully manage any of your business entities. Business Law Representation Includes: Contract litigation Contract preparation Starting a business Corporations and partnerships Business disputes Shareholder agreements Operating agreements Business buying Business selling When you have questions regarding business law, Lawrence J. Rose will provide you with knowledgeable and professional legal advice that you and your company can count on. Call the today at (781) for a free initial consultation, or browse our website for more information regarding Bankruptcy Law, Personal Injury Law or Real Estate Law. If you have any other questions or comments, please contact us.

5 South Shore, MA Personal Injury Attorney No fee unless you get money The assist clients throughout Stoughton, MA and its surrounding areas with restoring their life and security after suffering from a personal injury. From automobile accidents to wrongful death, Mr. Rose offers personal attention and aggressive representation to help receive the compensation you deserve for injuries that happened beyond your control. Personal Injury Representation Includes: Automobile accidents Motorcycle accidents Product liability Slip and fall Burn cases Dog bites Wrongful death When you need help regarding personal injury and your legal options, Lawrence J. Rose will provide you with the most knowledgeable and professional legal services that you can count on. Call the today at (781) for a free initial consultation. If you have any other questions or comments, please contact us.

6 South Shore, MA Real Estate Law From real estate transactions and negotiations to litigations, choosing the right attorney can save you time, money and the risk of signing an insincere contract. Real Estate Attorney Lawrence J. Rose offers Stoughton, MA and the surrounding areas with experienced legal advice and guidance for home buyers, sellers, landlords and any other clients with a real estate interest. From titles and closings to ownership disputes and evictions, Rose will provide you with the knowledge and representation you need to settle comfortably. Real Estate Representation Includes: Residential real estate Commercial real estate Buyers and sellers Real estate disputes and litigation Evictions Ownership disputes Financing Title work When you have questions regarding real estate, Lawrence J. Rose has the experience to assist you with any dispute or litigation. From landlord and tenant transactions to residential and commercial sales and acquisitions, Attorney Rose will provide you with representation you can count on. Call the today at (781) for a free initial consultation, or browse our website for more information regarding Bankruptcy Law, Personal Injury Law or Business Law. If you have any other questions or comments, please contact us.

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8 South Shore, MA Frequently Asked Questions Q: What is the difference between Chapter 7 and Chapter 13 Bankruptcy? A: Chapter 7 bankruptcy is called liquidation. It means that the court will appoint a trustee who will take possession of your assets, sell them and then pay as much of your debts as he or she can pay from the available funds. Fortunately Bankruptcy Law does not allow the trustee to take all of your assets. The assets that you are able to keep are called exempt assets. In many cases the exemptions allowed by the court will protect your car, home, retirement funds, clothing, a small amount of jewelry and a moderate amount of money in the bank. In fact the majority of people who file a Chapter 7 bankruptcy petition can exempt (protect) all of their assets so they do not have to give anything to the trustee. A Chapter 13 bankruptcy is called the wage earner plan. In this type of bankruptcy, you do not give up any assets; rather you make monthly payments for a period of 3 to 5 years. The amount of money you pay each month is determined by a formula. The Chapter 13 trustee then pays your creditors as much of your debts as can be paid from the funds available. Once you complete your plan, your remaining debts are discharged. Q: Will I have to give up my car? A: Rarely does a bankruptcy petitioner have to give up their car. Bankruptcy law allows an individual a certain amount of value in an automobile. However, filing a bankruptcy will not eliminate your obligation to pay an automobile loan. If you do not pay your car loan, the automobile finance company may still be able to repossess your vehicle. Q: Will I lose my house? Bankruptcy law exempts a substantial amount of equity in your home. So it is highly unlikely that you will lose your home in a bankruptcy. Q: Can I keep my house and not pay my mortgage? A: Mostly no. Bankruptcy does not relieve your obligation to pay your mortgage. In some cases we can eliminate a second mortgage in a Chapter 13 proceeding. Q: Can you stop foreclosure proceeding with a bankruptcy? A: Once you file a bankruptcy petition, all foreclosure proceedings must immediately stop. However, your creditor has the right to ask the court s permission to resume the foreclosure. In a Chapter 7, if you do not make payment arrangements with your lender the bankruptcy will only delay the foreclosure but not stop it permanently. In a Chapter 13 plan you can use your Chapter 13 plan to make past due mortgage payments, in which event you can stop the foreclosure altogether. Q: Will bankruptcy ruin my credit? A: If you are far behind on your payments to creditors, then your credit rating is already impaired. Bankruptcy will not make it any worse. In fact, filing for bankruptcy can be viewed as the first step in repairing your credit. Once you complete your bankruptcy, if you pay your bills on time, you can restore your credit in a reasonably short period of time. Q: Tell me more about eliminating a second mortgage. A: In the last few years, home values in Massachusetts have dropped. Many homeowners now find themselves in the unfortunate position of owing more money on their mortgages than what their house is worth. In cases where the house is worth less than what you owe on the first mortgage and you also have a second mortgage, we can eliminate the second mortgage in a Chapter 13 proceeding. If you have any urgent questions or comments, please call us at or contact us. Do s and Don ts for People in Debt If you find yourself with more debt than you can pay you are looking for a way out. You are faced with some very difficult choices. Unfortunately many people make choices that only make their situations worse. The first thing you must do is take a cold hard look at your situation. Write down all of your debts on a piece of paper along with the minimum monthly payments. Then write down your income. Can you make the payments with enough money left over for food, insurance, gasoline, etc.? There is no substitute for writing it all down. Until you do that you will never figure out the best solution.read Full Article.

9 South Shore, MA Q. Due to someone's negligence, I was injured, but it's nothing severe. How do I know if I have a case? A. Your best bet is to talk to us. Just because you did not get severely hurt, even a small amount of pain can entitle you to a certain amount of money. Q. What are compensatory damages? A. This is compensation for the injured person which can include a number of losses that can occur from a personal injury, also referred to as actual damages. Q. How can someone's negligence cause me an injury? A. There are many things that may not occur to an injured person when it comes to someone else's negligence being involved in a Personal Injury case. For example, employees at a grocery store fail to clean up a broken jar on the ground, causing someone to slip on it, fall, and get hurt. Q. How much money do you think I will receive from my Personal Injury case? A. This can depend on a number of factors including the extent of your injury, the cost of your medical bills, the amount of time you had to take off work, etc. If you have any urgent questions or comments, please call us at or contact us.

10 South Shore, MA Q: I am buying a house, what will a real estate attorney do for me? A: We will make sure the contract you sign will protect you. We will monitor important dates so that you do not lose your rights by missing a deadline. In some cases, we will examine the title to the property. In others, the mortgage lender will have their own attorney examine the title. We will advise you about the title insurance, what you need to do to complete the purchasing process explain all of the legal documents you sign at the closing. We will also prepare a Homestead for you. Q: I am considering buying a house at foreclosure auction. What should I be concerned about? A: The current real estate market has spawned new rash of foreclosures. Real estate prices are stable or declining. People who were previously able to refinance their way out of trouble are no longer be able to do so. As more foreclosure auctions take place more people will consider bidding for properties at the auctions. Read Full Article Landlord Tenant Questions: Q: I am a residential land lord and my tenant is not paying rent. What do I need to do? A: Massachusetts has extensive laws concerning the rights and obligations of landlords and tenants. Those laws set out specific procedures that must be followed. Any landlord who does not follow the legally mandated procedures is subject to significant penalties. When a tenant does not pay their rent, you should serve them with a fourteen day notice to quit. If at the end of the fourteen day notice period, they haven t paid their rent, and you want to evict them, you must file an eviction proceeding in the District Court or Housing Court. There is no other way or shortcut to evict a tenant. Q: I am a landlord about to rent an apartment to a tenant, should I take a security deposit and do I need to have a written agreement? A: Massachusetts law sets out very specific rules about security deposits. As a landlord, holding a security deposit will give you some protection should your tenant damage the apartment or leave without paying some rent. But it is very important that you learn the rules and follow them. If you collect a security deposit without knowing the rules you will be subject to having to pay significant penalties and ignorance of the law will not protect you. We recommend that you always have your tenant sign a written tenancy agreement which can be a lease or tenant -at-will agreement. Q: I am a tenant and my landlord refuses to repair serious problems in my apartment. What can I do? A: All landlords of residential property are required by law to keep their apartments in a safe and habitable condition. They are prohibited from transferring the obligation to their tenants. If you believe your apartment is in an unsafe or uninhabitable condition (for example you have no heat, there is a rodent infestation, or there is a dangerous condition likely to cause an injury to someone), and your landlord refuses to fix the problem, you can call your city or town building inspector. The inspector will inspect the apartment and issue a citation to the landlord if he or she agrees with you concerning the unsafe or uninhabitable condition. You should also know that it is illegal for a land lord to retaliate against you because you call the building inspector. If the landlord does retaliate against you, you will have the right to obtain money damages against the landlord for violating your rights. If you have any urgent questions or comments, please call us at or contact us.

11 Home Contact Site map Areas of Practice FAQs Contact the of Stoughton, MA Get directions to Stoughton, MA Location 14 Page Terrace Stoughton, MA phone: fax: Business Hours: Monday - Friday Saturday 9:00 am - 6:30 pm By appointment Request More Information Please fill out this short form and we will get back to you as soon as possible with a reply. Thank you. Fields marked with * are mandatory. Full Name: Phone: Comments: Submit Reset

12 Home The offers professional legal advice and representation for individuals throughout Stoughton, Brockton, Randolph & Taunton, South Shore, MA and the surrounding areas. Call us at (781) for a free initial consultation. Areas of Practice Bankruptcy Law The assist clients throughout Stoughton, MA and it's surrounding areas with filing bankruptcy. Our attorney provide reliable legal advice and representation for individuals seeking financial relief. Call us at (781) for a free initial consultation. Business Law The provide legal help for business disputes, buying or selling a business, or contract preparation. Mr. Rose will help you successfully manage any of your business entities. Call us at (781) for a free initial consultation. Personal Injury Law The assist individuals throughout Stoughton, Brockton, Randolph & Taunton, MA with recovering maximum compensation for their physical, emotional and financial losses. Call us at (781) for a free initial consultation. Real Estate Law Real Estate attorney Lawrence J. Rose offers Stoughton, Brockton, Randolph, Taunton, MA and the surrounding areas with experienced legal advice and guidance for home buyers, sellers, landlords and any other clients with a real estate interest. Call us at (781) for a free initial consultation. FAQs Bankruptcy FAQ Read the most frequently asked questions about the bankruptcy law only at The bankruptcy FAQ section. Personal Injury FAQ Read the most frequently asked questions about the personal injury law only at The personal injury FAQ section. Real Estate FAQ Read the most frequently asked questions about the real estate law only at The real estate FAQ section. Contact The have offered professional legal advice and representation for individuals throughout South Shore, MA and the surrounding areas. Contact us or call (781) for a free initial consultation. Privacy Policy Site map

13 Sweet and Rose is a law firm consisting of attorneys and support staff. By law all non-public communications are confidential. Sweet and Rose does not share client information with anyone except as required in certain circumstances by law. Sweet and Rose will not disseminate to any third parties any personal information supplied to the website nor will they sell of share addresses without the individual s express consent.

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