Inquire About Options <\/i><\/a><\/div>[\/vc_column][\/vc_row][vc_row][vc_column width=”2\/5″][vc_single_image image=”11624″ img_size=”full”][\/vc_column][vc_column width=”3\/5″][vc_column_text]Our lawyers and staff will make every effort to make you comfortable, and we’ll take the time to learn about your situation and answer all of your questions. Bankruptcy is not for everyone but we can talk about whether or not you are a good candidate for either Chapter 7 or Chapter 13 bankruptcy so you can make an educated decision on how to proceed. If either bankruptcy category is not appropriate for any reason, we can talk about other options that might provide you with relief.<\/p>\nIf we decide to work together, we’ll ask you to provide detailed financial information (such as credit card statements, any lawsuits, foreclosures or repossessions, taxes owed, student loans, or medical bills) and information about property you own (bank accounts, real estate, cars, insurance policies, retirement accounts, etc.). We will carefully review all the information you provide for compliance with bankruptcy rules and regulations. As soon as possible, we will file your bankruptcy petition or move forward with whatever other plans of action you have chosen. The moment your bankruptcy petition is filed (any chapter), your creditors must stop trying to collect from you. Once you file, your creditors cannot harass you, sue you, take money out of your bank account or attach your wages.<\/p>\n
While Chapter 7 is technically called a “liquidation”, don’t be alarmed by that word. Most often, people filing both Chapter 7 and Chapter 13 bankruptcy keep all of their personal property, furniture and car(s). It is extremely unusual in Connecticut for anyone with an experienced attorney to have assets taken or sold unexpectedly. If you are one of the few people that have more assets than the bankruptcy court allows, we will discuss it with you before filing – there shouldn’t be any surprises later.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_tta_tabs style=”flat” shape=”square” color=”grey” spacing=”” alignment=”center” active_section=”1″][vc_tta_section title=”Pre Bankruptcy-Filing Certification” tab_id=”1586262264914-8559ce64-e963″][vc_column_text]Before you can file any bankruptcy case, you must complete a credit counseling course.\u00a0 Most people prefer to take the class online, but we can provide you with vendors who offer the class in person or by phone if you prefer to go that route.\u00a0 \u00a0We literally cannot file a bankruptcy petition without a certificate of completion.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Filing Your Bankruptcy Petition” tab_id=”1586262264914-185a083b-7103″][vc_column_text]As soon as your case is officially filed, a Trustee is appointed and you will be assigned a case number. The court will set a date for a “341” meeting and automatically notify your creditors that you have filed for bankruptcy.\u00a0 \u00a0The 341 meeting is a reference to the bankruptcy code section that talks about the meeting of creditors.\u00a0 In reality, it is extremely rare for a creditor to appear at this meeting but they do have the right to if they wish to do so.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”The “341“ Meeting of Creditors” tab_id=”1586262271704-1f0df1d1-66c2″][vc_column_text]This 341 meeting is held about a month after filing at either the Bankruptcy Court or at the Office of the US Trustee.\u00a0 \u00a0There are 3 bankruptcy courts – Hartford, New Haven, and Bridgeport.\u00a0 \u00a0All cases are heard in one of these 3 courts.\u00a0 \u00a0 The purpose of the meeting is for the bankruptcy trustee to meet you, interview you briefly, and give any creditors present a chance to ask you questions under oath.\u00a0 \u00a0 The US Trustee may also appear or request further information from you if something in your petition seems “off”.<\/p>\n
At this 341 meeting, the trustee will ask you questions about your assets and your outstanding debt and sometimes, about any inconsistencies in your petition.\u00a0 Everything you say is recorded, and you will testify under penalty of perjury.\u00a0 \u00a0 There is no reason to worry as long as you tell the truth and your petition is true and accurate.\u00a0 \u00a0 If your petition is accurate, and if your answers are consistent with the information in the written documents, your 341 meetings may take 15 minutes or less.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”The Bankruptcy Process Discharge” tab_id=”1586262273309-d82a324d-816b”][vc_column_text]If all goes well, you will be DONE after about 100 days (from the date the petition is filed with the Court).\u00a0 \u00a0 The Court will send a “Notice of Discharge” which can be used as your proof that you no longer owe any of the dischargeable debts that you had before filing.\u00a0 This is the first step towards financial freedom!\u00a0 \u00a0If you use our Firm, we’ll then start the process of helping you rebuild your credit and your credit score.[\/vc_column_text][\/vc_tta_section][\/vc_tta_tabs][\/vc_column][\/vc_row][vc_row][vc_column]
Do I Qualify for Chapter 7 Bankruptcy?<\/h2>\n[vc_column_text]Chapter 7 bankruptcy is for individuals who after paying all of their regular monthly living expenses, do not have any money leftover to make payments or partial payments on their unsecured debts.<\/p>\n
In Connecticut, Chapter 7 bankruptcy help is excellent for eliminating most types of unsecured debts, including:<\/p>\n
\n- <\/i>\u00a0Credit Cards<\/li>\n
- <\/i>\u00a0Medical Bills<\/li>\n
- <\/i>\u00a0Gambling Debts<\/li>\n
- <\/i>\u00a0Payday Loans<\/li>\n
- <\/i>\u00a0Personal Loans<\/li>\n
- <\/i>\u00a0Most Civil Judgements<\/li>\n
- <\/i>\u00a0Delinquent Utility Bills<\/li>\n
- <\/i>\u00a0Deficiencies Resulting from Repossession or Foreclosure<\/li>\n<\/ul>\n
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Filing for Chapter 7 Bankruptcy Stops Collection Actions<\/h3>\n[vc_column_text]Filing for Chapter 7 bankruptcy help can stop many debt collection practices, including:<\/p>\n\n- <\/i>\u00a0 Foreclosure Notices<\/li>\n
- <\/i>\u00a0 Debt Collector Harassment<\/li>\n
- <\/i>\u00a0 Lawsuits and Judgement<\/li>\n
- <\/i>\u00a0 Wage Garments and Bank Account Levies<\/li>\n
- <\/i>\u00a0 Utility Shutoffs<\/li>\n<\/ul>\n
If you need a fresh start from your debts, contact our Connecticut bankruptcy lawyers today to schedule a free initial consultation to see if you qualify. Bankruptcy laws are difficult and should not be tackled as a self-represented party or person.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]
Tell Us About Your Situation<\/h4>\n\n