If you’re living on a tight budget and find yourself barely scraping by from paycheck to paycheck, getting your tax returns might seem like an incredible gift. However, you want to use this gift wisely. While it is natural to want to spend your tax returns immediately, there are better ways to use this money,...Read More

If you’ve decided that filing for bankruptcy is right for you, you might be wondering what will happen with your tax return. This article will discuss tax refunds and Chapter 7 bankruptcy. Whether you lose your tax refund or are allowed to keep it in bankruptcy will largely depend on the timing of your bankruptcy...Read More

Holidays can be a lot of fun, but they can also get expensive! As Easter approaches, you are probably interested in making some festive food and partaking in fun activities with your children, but you might not be sure if you can afford it. Luckily, Easter is a holiday with many opportunities to save money....Read More

In your Chapter 7 Bankruptcy process there will be 3 main characters: you, your attorney and the Chapter 7 Bankruptcy Trustee assigned to your case.  In short, a Chapter 7 Bankruptcy Trustee is the person who oversees your Bankruptcy Case. There are currently ten Chapter 7 Trustees in the State of Connecticut who are appointed...Read More

You’re entitled to one free copy of your credit report every 12 months from each of the three nationwide credit reporting companies. Order online from annualcreditreport.com, the only authorized website for free credit reports, or call or text 1-877-322-8228. You will need to provide your name, address, social security number, and date of birth to...Read More

In this blog we will explore a very important step in your Chapter 7 Bankruptcy process: Your Chapter 7 Bankruptcy Petition Signing and Filing. Once you have met with me for your free initial consultation, retained me to file your Chapter 7 Bankruptcy Petition and delivered to me all of the required documents, I will...Read More

Once your Means Test is complete and it is determined that you are a qualified candidate for a Chapter 7 Bankruptcy, I will the instruct you to complete a Credit Counseling Course which is the next step in the bankruptcy process.  The completion of a Credit Counseling Course is required by the Bankruptcy Code.1 I...Read More

After we have our Initial Consultation and you have delivered your documents to me, I will analyze your financial circumstances and perform your Means Test.  A Means Test is an assessment used to determine if you qualify to file a Chapter 7 Bankruptcy. Before 2005 it was easy to file for bankruptcy; virtually anyone could...Read More

During our initial Chapter 7 Bankruptcy consultation, I will go over a list of documents I need to analyze your financial circumstances.  I will ask that you prepare and deliver copies of the documents requested, and that you retain your originals.  These documents, which will include items such as pay stubs, bank statements and household...Read More

When you find yourself in debt and want to learn what your options are, the best thing to do is to find a local law firm that offers free initial Bankruptcy consultations.  I offer free initial consultations at various locations around the state of Connecticut (including Orange, Shelton, Hartford and other various locations) and will...Read More