MOST MEANS TEST NUMBERS ARE GOING DOWN Qualification for Chapter 7 Bankruptcy is based solely on income. Specifically, income from the last six complete months. So if we are sitting in October, we analyze gross (not net) income from April 1, 2023 to September 30, 2023. (It is a rolling six-month basis, so in November...Read More
It is very rare that a person is allowed to choose the law that applies to him or her. Bankruptcy in Connecticut is one of the few instances where there is that choice of laws. Let me explain how.The most common type of Bankruptcy is Chapter 7 which is often referred to as “liquidation bankruptcy.”...Read More
According to the Connecticut Housing Finance Authority, “under the American Rescue Plan Act of 2021, Connecticut has been awarded approximately $123 million to establish MyHomeCT, a program funded by the Homeowner Assistance Fund. The goal of MyHomeCT is to cure mortgage delinquencies and defaults, and prevent foreclosures among eligible homeowners that occurred as a result...Read More
The top five reasons most of my clients file for Bankruptcy are (1) loss of income, (2) foreclosure, (3) medical crises, (4) overspending, sometimes tied to an addiction or gambling and (5) divorce. I see clients at all stages of the divorce process: before, during and after. When I meet with clients before they file...Read More
The “officially released” date that appears near the beginning of each opinion is the date the opinion will be published in the Connecticut Law Journal or the date it wasreleased as a slip opinion. The operative date for the beginning of all time periods for filing postopinion motions and petitions for certification is the “officially...Read More
The first student loans, per se, were given by Harvard University to its own students in 1840. At that time, Harvard was a private single-sex educational institution and its students were all male.Over one hundred years later came the GI Bill in 1944. This gave World War II veterans access to free education.Sparked by the...Read More
In honor of International Pineapple Day on June 27th, I wanted to share this great Consumer Tip especially as we are going into a holiday next week and you can make this treat to bring to any cookout without breaking the bank. Enjoy a slice of the tropics for under $10…with this Two-Ingredient Pineapple Angel...Read More
There are several types of bankruptcies available to individual people and business entities. Let’s analyze each one here in a 30,000 foot overview and then in future articles we will take a deeper dive. CHAPTER 7: This is my favorite chapter and also the one I personally filed in 2009. It gives the debtor (the...Read More
As summer approaches, middle and high school students can choose from catalogues of camps that promise to improve everything from language skills to layup shots. Federal court camps prepare participants to be informed and engaged citizens in every walk of life, and at no cost. “We view the summer camps at our federal courthouses in...Read More
November 17, 2022 GUIDANCE FOR DEPARTMENT ATTORNEYS REGARDING STUDENT LOAN BANKRUPTCY LITIGATION Introduction This memorandum provides guidance (Guidance) to Department of Justice (Department) attorneys regarding requests to discharge student loans in bankruptcy cases. Developed in coordination with the Department of Education (Education), this Guidance will enhance consistency and equity in the handling of these cases....Read More
