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Bankruptcy Lawyer Explains Chapter 7, Chapter 13 & Getting a Fresh Start

Barry Levine · March 9, 2026

Author · Financein

Interview with Barry Levine

Bankruptcy Lawyer Explains Chapter 7, Chapter 13 & Getting a Fresh Start — Barry Levine

Podcast: How Much Can I Make? — Real Jobs. Real People. Real Money.

March 9, 2026 · 23 min

Bankruptcy Lawyer Struggling with overwhelming debt, IRS notices, or nonstop creditor calls? In this episode, Massachusetts bankruptcy attorney Barry Levine dives deep into how bankruptcy laws offer legal debt relief and a fresh start, empowering listeners to regain control of…

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Bankruptcy Lawyer Explains Chapter 7, Chapter 13 & Getting a Fresh Start

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Key topicsGood Money After Bad — Why Founders Spend the Savings They Will Need NextBarry Levine has advised small business owners in Massachusetts for 45 years, and the money he watches vanish is almost never the company's. It goes in an order he can predict: a supplier gets paid late, a tax filing slips, and the owner quietly starts covering the gap from a personal account, then a retirement account. He argues that the instinct to keep the business breathing one more month is what turns a company problem into a household one, and that the owners who recover are the ones who separate the two early. He has recorded around 14 episodes walking through cases that went exactly this way, and he lays out the signals that a business has stopped paying for itself. Listeners leave able to tell the difference between funding a business and funding a hope.Debt settlement promises can leave panicked borrowers worse offFor personal finance and debt relief listeners, the most dangerous choice is often the one that sounds less scary than bankruptcy. People in crisis may reach for debt settlement programs because they want to avoid stigma, but they still may not understand what creditors, tax authorities, or courts can actually do next. Barry can walk listeners through the practical difference between a marketed promise and a legal process with rules, timelines, and protections. The conversation helps borrowers ask better questions before they commit to a path that may only delay the moment they need real debt strategy. Chapter 13 is not just a slower Chapter 7People often hear Chapter 7 and Chapter 13 as confusing labels, then assume one is simply faster and the other is worse. For listeners dealing with foreclosure pressure, wage garnishment, or repayment problems, that misunderstanding can lead to the wrong decision at the wrong time. Barry can break down how Chapter 13 repayment works, when it may protect someone who needs time, and why Chapter 7 is not automatically the right fit for every distressed borrower. The episode gives listeners a practical decision frame before they try to choose a bankruptcy path from fear alone. View all topics →

About Barry Levine

Bankruptcy Attorney and Debt Strategist for Everyday Americans in Crisis

45 years Representing people in financial difficulty1 book Author, Personal Bankruptcy Through The Looking Glass322 videos On his own bankruptcy YouTube channelBankruptcy attorney Massachusetts

The calls often come late: someone has ignored letters from the IRS, missed too many loan payments, or watched their small business slowly bleed out. They don’t open with legal questions. They ask if there’s any way out.

For almost 45 years, Barry Levine has answered that question with calm, practical guidance. A Massachusetts-based bankruptcy attorney, he works with individuals and small business owners navigating serious financial strain, people who are scared, out of options, and unsure what the next step even looks like. His work isn’t about judgement or quick fixes. It’s about helping people understand what tools are available, how the system works, and what choices they can still make.

What Barry sees again and again is that fear, not just debt, is what traps people. The legal process has structure, options, and predictable outcomes; what derails most clients is the panic that keeps them frozen in place. Barry’s role is to bring order to the chaos. With each case, he applies decades of legal experience to help clients understand what’s happening, what’s possible, and how to move forward with a strategy that restores both stability and control.

He first started practicing bankruptcy law in a hands-on Boston office while still in law school, learning case by case how to navigate both paperwork and people.

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About this episode

Bankruptcy Lawyer

Struggling with overwhelming debt, IRS notices, or nonstop creditor calls? In this episode, Massachusetts bankruptcy attorneyBarry Levinedives deep into how bankruptcy laws offer legal debt relief and a fresh start, empowering listeners to regain control of their finances and careers.

With 45 years of experience helping individuals and small business owners, Barry breaks down the bankruptcy process step-by-step, including asset protection rules, timelines for discharge, and what rebuilding your credit score after bankruptcy really looks like.

From routine filings to a complex 1,807-Bitcoin bankruptcy dispute, this conversation delivers clear, practical insight into consumer bankruptcy law, small business bankruptcy, and how to overcome financial crisis and start fresh.

If you’re searching for answers about bankruptcy, debt relief, or restarting after financial collapse, this episode provides concrete guidance and realistic next steps.

Connect with Barry

Barry's You Tube channel https://www.youtube.com/@barrylevine33https://www.youtube.com/@barrylevine3366

Website - https://levineslaw.com/

Podcast - https://levineslaw.com/podcast-episodes/

Trying to figure out what career might actually fit you? Take my QUICK CAREER QUIZ and see your matches, NO EMAIL, NO HUSTLE, just 5 questions:

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Music credit: Kate Pierson & Monica Nation

About the host: Mirav Ozeri has always been drawn to storytelling and journalism, especially the stories of everyday people.

In the 90’s She founded her own video production company, producing, directing, and editing documentaries and videos for political organizations which led to a 17-year career at CBS News, where she served as a producer/editor, helped launch CBS MarketWatch, and later worked as a senior editor and segment producer until the program was acquired by Dow Jones.

During her years at CBS, Mirav developed and produced a television pilot built around a simple idea: giving people an honest look at what different careers are really like. Although the pilot was never picked up, the concept stayed with her. Years later, she brought it back as How Much Can I Make?, a podcast that explores real jobs, real stories, and the many paths people take to build a career.

Guest: Barry Levine