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Home/Attorneys/Law Offices of Paul R. Moraski
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- Attorneys in Salem, | CGMIMM

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15 Church Street, Salem, MA, 01970

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+1 978 397 0011
15 Church Street
Salem, MA 01970
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📚 Related legal guides

Background reading on the practice areas this attorney handles.

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Wage Garnishment Defense in Massachusetts
Massachusetts wage garnishment is capped at federal limits (25% of disposable income or 30× minimum wage) — and Texas, North Carolina, Pennsylvania, South Carolina ban most consumer wage garnishment entirely.
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Debt-Collection Defense in Massachusetts
Massachusetts consumers facing debt-collection lawsuits have powerful defenses — federal FDCPA, state consumer protection laws, statutes of limitations, and proof requirements that collectors often can't meet.
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Student-Loan Discharge in Bankruptcy in Massachusetts
Massachusetts student loans CAN be discharged in bankruptcy under the "undue hardship" Brunner test, plus DOJ's 2022 guidance has made it dramatically easier. Other federal options — IDR, PSLF, forgiveness — also relevant.

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