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Consumer Legal Services, LLC BLOG

The short answer is YES! Let’s take a more in-depth look here. There are a lot of different terms for the people who call or text you attempting to collect credit accounts that are past due. I want to take the mystery out of these terms and tell you EXACTLY who and what you are...
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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 Milford, Shelton, Hartford and Guilford) and will strive to...
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The Supreme Court granted certiorari today in two of the three Chapter 7 lien-strip-off cases challenging the Eleventh Circuit decision in McNeal. Bank of Amer. v. Toledo-Cardona, No. 14-163 and Bank of Amer. v. Caulkett, No. 13-1421 (petition granted Nov. 17, 2014) (consolidated for argument) (Bank of Amer. v. Bello, No. 14-235 is still pending)....
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Last night, I had the honor and privilege of attending the New Haven Legal Assistance Association’s 50th Anniversary Gala! I am proud to be a Member of the Board of Directors of the New Haven Legal Assistance Association (“NHLAA”) as the Liaison from the Milford Bar Association. NHLAA’s commitment to equal access to justice for all...
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This Thanksgiving I am truly grateful for “second chances!”  Read below about how I got my fresh start and how you can get yours, too!My name is Theresa, and I think it is vitally important that my clients and colleagues know who I am and what I have been through on my own financial journey… During...
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The issue of lien priority confronts many different players in the real estate market; homebuyers, sellers, and lenders all have to know about priority.  A lien is best defined as a claim on a piece of property for payment of a debt.  If the debt is not paid, permits foreclosure on the property.  The foreclosure...
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The Fair Debt Collection Practices Act (or “FDCPA” for short), was approved by Congress on September 20, 1977, amended and codified as 15 U.S.C § 1692.  It is a consumer protection amendment, which established legal protection from abusive debt collection practices as stated in the Consumer Credit Protection Act, as Title VIII of that Act...
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Back in June, Attorney Theresa Rose DeGray had the honor of appearing on the show “Got Girlfriends?” with several kind and accomplished women from the New Haven business community. On the show, she had the opportunity to tell her story and discuss her passionate journey of removing the stigma of Bankruptcy from our society to allow everyone and anyone who needs it, a...
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When asked the question, “What is the greatest movie of all time?” what is the first movie you think of? Maybe Citizen Cane or Casablanca, but The Godfather is definitely in that conversation. If not the greatest movie of all time, it is widely considered to crack the top 5. And who made this incredible...
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