Massachusetts Representation of Insolvency is a legal process in which a debtor seeks to be released from debts. This process allows the debtor to have a fresh start financially, free from the burden of previous debt. Massachusetts Representation of Insolvency is available through two different types of bankruptcy: Chapter 7 and Chapter 13. Chapter 7 is known as “straight bankruptcy” and is available to individuals, couples, and businesses. It allows the debtor to discharge most of their debts, with certain exceptions such as student loans and taxes. After the debtor’s assets are liquidated and creditors are paid, the remaining balances are forgiven. Chapter 13 is a “reorganization” bankruptcy and requires the debtor to submit a repayment plan to the court. This plan must be approved by the court and creditors. Under Chapter 13, debtors are able to pay off their debts over a period of time, typically three to five years. The debts are then discharged by the court. In both Chapter 7 and 13, the debtor must submit various forms and documentation to the court in order for the process to be completed. The debtor must also attend a meeting of creditors, which gives creditors an opportunity to present their claims. If the court approves the reorganization plan or the discharge of debts, the debtor is released from the financial obligations. Overall, Massachusetts Representation of Insolvency is an important legal process that allows debtors to seek relief from debt and get a fresh start financially.