Massachusetts Debt Relief Firm The Law Office of Glenn F. Russell, Jr. Alleviate the Stresses of Debt

Since 2007, The Law Office of Glenn F. Russell, Jr. has helped hundreds of individuals and families settle the strains of consumer debt. “We are a Debt Relief Agency. We help people file for bankruptcy relief.”

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"A savant against the banks!"

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Massachusetts Consumer Debt Relief Law Firm

Providing Debt Relief To Massachusetts At Large

Life can bring some unexpected hardships, many of which involve finances. Financial strain can be caused by unexpected life events such as a medical emergency, an accident, loss of employment, divorce, or other unanticipated events. If you are facing foreclosure on your home due to financial hardship, long-term or short-term, we will strive to help you find a possible resolution for your particular situation.

Unfortunately, it appears to be deja vu all over again, as Yogi Berra used to say, where the latest news reports indicate that we may be headed for another recession. Although there is some recent improvement, mortgage rates are still above historical levels, which has significantly increased folks mortgage payments. Couple this fact with the outrageous prices for groceries and other fungible items, and it’s not hard to see a possible looming very dark cloud forming that is very reminiscent to 2007-2008.

Added to the preceding is the lingering effects of the “Great COVID-19 Pandemic”, in which many small business owners received “PPP”, and SBA “EDIL” Loans, which are now coming due, and in many cases have fallen into default. [see our SBA Loan page].

In addition, due to the COVID-19 Pandemic, the federal government paused repayment requirements on federal student loans. However, the pause is no longer in effect, and student loan borrowers must now begin repayment on these loans [unless they meet certain criteria under federal programs]. Under the new Administration, the Department of Justice is aggressively seeking to recover on these now defaulted student loans. However, in 2022, the Department of Justice issued guidance that somewhat relaxed the previous draconian requirements in order to discharge federal student loans in bankruptcy. While still presenting a challenge in getting your student loan eligible for discharge, there is a much better opportunity to do so under the 2022 guidance from the Department of Justice. We have the ability (after receiving your information) to provide you with the necessary information to determine whether you meet the new requirements for discharge, and if so, to discuss whether bankruptcy if the proper avenue for you to pursue in order to possibly receive a discharge. [see our Student Loan Debt Relief Page] .

We can determine whether bankruptcy is a viable solution under your particular circumstances to resolve your debt issues. regarding an SBA loan or student loan, and whether Chapter 7, Chapter 13, or Chapter 11, or Subchapter V of Chapter 11, is appropriate for you under your particular fact pattern [see our Bankruptcy pages].

The above current issues have also begun to effect the ability of individuals to remain current on their mortgage loan payments.

Fortunately, we represented individuals during the previous severe economic “downturn” during the 2007-2008 Great Recession, and the years following this period that found many people facing the loss of their home. So, “we’ve been ‘round the block”, and are uniquely positioned as a law firm to apply our extensive previous experience to your current situation.

The Law Office of Glenn F. Russell, Jr. is the foremost foreclosure defense law firm in Massachusetts, and possibly America, with unparalleled success at the Appellate level. We successfully argued the landmark Massachusetts foreclosure case, U.S. Bank, Nat'l Ass'n v. Ibanez, 458 Mass. 637 (SJC 2011).

Here is the video of oral argument in Ibanez, before the Massachusetts Supreme Judicial Court. K&L Gates Attorney first argues for U.S. Bank, then Attorney Russell is the second attorney to argue for the Defendants.

We also have argued the only successful matter on behalf of a borrower before the U.S. Court of Appeals for The First Circuit involving the use of the Massachusetts foreclosure statute in, Juarez v. Select Portfolio Services, 708 F.3d 269 (1^st Cir. 2013). We have also successfully argued a matter on behalf of a borrower before the Massachusetts Appeals Court in Starkey v. Deutsche Bank, N.T. Co., et al., 94 Mass App Ct. 1 (2018). We are also most likely the only law firm in Massachusetts to successfully argue three (3) matters before the Massachusetts Supreme Judicial Court (“SJC”) on the issue of foreclosure, including:

Galiastro v. Mort. Elec. Reg. Syst.. 460 Mass. 167, (SJC 2014)
HSBC Bank USA v. Matt, 464 Mass. 193 (SJC 2013)
And most importantly, one the most critical cases ever argued on the Massachusetts foreclosure process, U.S. Bank, Nat’l Ass’n v. Ibanez, 458 Mass. 637 (SJC 2011).

“Ibanez”, (as the case is known) resulted in national exposure for this law firm, in which we were quoted in almost every U.S. national publication, as well as internationally. Further, as a result of this decision in 2013 Attorney Glenn F. Russell, Jr. was asked to appear before the Federal Housing Finance Agency (“FHFA”) in Washington D.C. to take part in a four (4) day seminar at the time the U.S. Government took over as conservator for “Fannie Mae” and “Freddie Mac”. Attorney Russell was asked to present to the United States Government on how mortgage securitization operates from the perspective of a mortgage borrower, and its implication and intersection with Wall Street’s greed to sell more bonds to institutional investors.

Of course, this seminar was necessary due to the FHFA’s new role, and the remaining fall out of the 2008 “mortgage crisis”. This crisis was brought on by Wall Street’s acquiescence, and greed, to create more and more investment products to placate the insatiable demand of institutional investors. Attorney Russell was also asked to present to the Securities and Exchange Commission for the same reason Subsequent to these presentations, the FHFA entered into a number of settlements, including the $13 Billion agreement with JPMorgan Chase Bank, N.A., [see here as well. ]For his efforts in “Ibanez”, Attorney Russell was also named 2011 “Lawyer of the Year” by Massachusetts Lawyers Weekly.

While the cases cited above were successfully argued by this Office, everyone's situation is different, and there can be no guarantee of success in your particular case. However, we are uniquely positioned to make the strongest possible arguments on your behalf.

Whether you are confronting consumer debt through bankruptcy or defending a foreclosure action, we are here to help! Contact The Law Office of Glenn F. Russell, Jr. today!

We also have an affiliation with a Real Estate Brokerage Russ 45 Realty. Thus, where someone contacts us early enough in the foreclosure process, and at a time when it is anticipated they may go into default and either does not want to bring the loan current through negotiation or modification with the lender or does not want to defend or challenge a potential sale, we can also offer those individuals the option to be referred to Russ 45 Realty to possibly list, market, and attempt to sell the property. Russ 45 Realty operates completely independent from this law firm, which does not offer legal services to clients of the Brokerage.

Call The Law Office of Glenn F. Russell, Jr. at (888) 400-9318 to speak directly with a debt relief lawyer today.

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We Can Help!

It may seem as though the law is against you, but at The Law Office of Glenn F. Russell, Jr. we are here to tell you that there are many options available to you! Just because you have been threatened with the possibility of foreclosure does not mean you will automatically be kicked out of your house immediately.

Instead of worrying or stressing, you can trust that a Massachusetts foreclosure defense lawyer from our firm can exhaust all legally possible avenues and resources necessary to help you stay In your home. We offer a wide range of services, many of which could serve as an alternative to a foreclosure auction sale of your property, or a solution to your concerns.

When you hire The Law Office of Glenn F. Russell, Jr. to help you manage your debt or defend your home from foreclosure, you can rest assured that our team is focused on your best interests.

We are not afraid of litigation, and our success in federal courts is unparalleled.

If you are facing debt or foreclosure you need an advocate in your corner who is willing to fight on your behalf when the pressure becomes overwhelming. We can be that advocate for you!

Don't wait — call The Law Office of Glenn F. Russell, Jr. at (888) 400-9318 to speak directly with a debt relief lawyer today.

Bankruptcy Filing Process

1

Credit Counseling

Before anything, you need to take a credit counseling course from an approved provider.
2

Take the Means Test
The means test will help you find out if you qualify for Chapter 7 (liquidation bankruptcy)
3

Compile Paperwork
Filing for bankruptcy means gathering extensive paperwork for the courts to review. Some of the items you may need include: assets, debts, tax returns, titles, deeds, and loan documents.
4

Reach Out to Our Firm
After all paperwork is completed, you will need to file a petition with your district court. Our firm is can help you navigate the filing process every step of the way.

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Hear from the Clients He's Helped

Helping families is the motivating factor that keeps Attorney Glenn Russell coming back to work every day.

"Attorney Russell has been God-send to us!"
Attorney Russell has been God-send to us! He took our cases and turned them around! Best lawyer we've ever had!

- Earl F.
"I truly appreciate having Glenn not just as an advisor, but someone truly on my team."
Glenn is knowledgeable in his area, above many. He takes the time to truly understand his clients needs and expectations. He has been an advocate for me. I truly appreciate having Glenn not just as an advisor, but someone truly on my team.

- Chris M.
"We were thankful to have Glenn in our corner!"
Glenn Russell went above & beyond to help my father and his wife stay in our childhood home until his passing in November 2022. He showed great compassion for my father and to our family after his passing as we settled his affairs, while displaying great tenacity in dealing with the big banks. Glenn gives the "little guy" a voice in what can be an overwhelming situation, facing foreclosure and displacement from your home. We were thankful to have Glenn in our corner!

- Jim S.
"Very Professional, with great experience and communication"
This firm helped out a small business, that was preyed on by a broker; who sold deceitful cash advances with multiple lenders, as loans. Only to promise a consolidation after having a history in an one attractive loan. The broker then stated that we had to take another position, then another. Putting us in 3 cash advances and quickly bleeding us of hard-earned money with ridiculously high interest low pay back advances. Glenn F. Russell & Associates were the only firm that I could find that had an education and experience on these companies that prey on small businesses that could use capital and trap them into a situation that is only set up to fail a business. This firm was aggressive and go these companies we had positions with to finally agree to reconstruct them into actual loans with a reasonable interest rate and a longer term for repayments. If it wasn't for finding Glenn and his team. My company would have faced a very unfortunate alternative.

- Pat G.
"Calm, cool and collected with a sense of humor to alleviate the stress!"
Glenn, you truly are a lifesaver. There isn't a long enough review in the world that can begin to thank you for all you have done for us and our family!

- Massachusetts Small Business
"A savant against the banks!"
Attorney Russell exhibits exceptional courage, skill and brilliance in fighting for homeowners' rights! Excellent communication and representation.Highly recommended!

- Kathleen
"The kind of professional you want on your team! THE ABSOLUTE BEST!"
From the very beginning, it was clear Glenn was a passionate professional who would go above and beyond to answer his clients questions and make them feel confident in his services. He assisted me with MCA and business loan settlements that unequivocally saved our business and gave us piece of mind throughout the process. He is a very transparent attorney (which is rare, unfortunately now a days). He is upfront about the cost, without hidden leeway for extra billable hours that just continue to incur. He is responsive, available, kind and has a great sense of humor, which helps in stressful situation like these :) Could not recommend Glenn more. HE IS THE BEST! We are forever grateful for what he has done for us.

- Christal B
"Fearless consumer advocate!"
I'd highly recommend Glenn. He is a great attorney, fearless consumer and civil rights advocate. I've met many attorneys but never met anyone close to Glenn's dedication and passion in defending consumers in wrongful and illegal foreclosures.

- John A

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Our Services

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Aggressive Foreclosure Defense

After the passage of Massachusetts· An Act Preventing Unlawful and Unnecessary Foreclosures, it has become increasingly more difficult for entities to foreclose on homeowners. This legislation helps protect consumers and homeowners in Massachusetts. Essentially, the act forces financial entities and or mortgage securitization trusts, and their minions, to take lawful and reasonable steps before initiating a foreclosure action under Massachusetts statute.

Aggressive Merchant Cash Advance Defense

We are also one of the few, if not only, law firms in Massachusetts that has experience in the negotiation, settlement, and / or litigation, involving threats made against small business facing a default involving a Merchant Cash Advance [“MCA”]. We began taking on MCA clients in 2018, and have achieved some very successful settlement results on behalf of small business owners, see our Merchant Cash Advance page for some examples, also see one of our blog pages here. We have learned that there may be certain similarities to issues we have successfully raised in our 15+ years of unparalleled success in foreclosure defense matters that may be transferrable to these insidious business pay day loans.

Debt “settlement companies” state that there are only “limited defenses” available to defend a Merchant Cash Advance. Primarily these claims from settlement companies stem from the fact that; 1)either these companies are not lawyers and do not act in a legal capacity, or 2) that they are completely unaware of the new and recent evolving case law regarding MCA litigation. Indeed, there have been three recent decisions from the U.S. District Court, for the Southern District of New York that have found (despite the MCA contract protestation) that Merchant Cash Advances are “loans”. The upshot of that finding would mean that these MCA providers may be subject to criminal “usury” [illegal rate of interest charged].

In addition, a Massachusetts Superior Court Judge denied An MCA providers Motion for Summary Judgment, based upon the fact that the Judge could not definitively state that the MCA contract was not a “loan” subject to the merchant’s criminal usury claim. Subsequent to this decision, and prior to trial, the MCA provider quickly reached a settlement with the merchant. The reason for the quick settlement is obvious, because if these MCA contracts are officially deemed to be “loans”, the MCA contract would be found to be void.

If you are facing a possible default on your MCA accounts or are currently being harassed and/or threatened by bill collectors and/or attorney(s) trying to collect, we may be able to help. Give us a call to discuss your options.

Enlist the Help of a Massachusetts Foreclosure Defense Attorney

Unfortunately, not many homeowners in Massachusetts fight foreclosure by enlisting the services of a Massachusetts foreclosure defense attorney. The reasons for this are many, but predominately due to the fact that foreclosure In Massachusetts is a “non-judicial” process, that Is the foreclosing entity does not have to go to court In order to separate you from your family abode.

A further reason is that most homeowners facing foreclosure are already in a compromised financial position and therefore lacking the financial wherewithal to hire an attorney to defend their interests. Additionally, there are very few attorneys versed in this complex and esoteric area of the law. Combining the entirety of the preceding has let the financial industry run wild and unopposed to steamroll folks facing foreclosure. We are here to offer options, please consider discussing your situation with us to see if we can come up with a workable plan.

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