A Foreclosure is a legal process in which a mortgage lender (usually a bank) sues a homeowner to recover the balance of the mortgage after the homeowner has stopped making the mortgage payments. Not making your mortgage payments can and will likely lead to a lawsuit. When you are served with a foreclosure lawsuit you...Read More

If you decide to file for bankruptcy, but your spouse does not, you might be unsure as to what obligations your spouse has in the bankruptcy process.  If you file for bankruptcy alone, will your spouse’s credit be affected?  Will his or her debts be erased as well?   These are common questions that spouses who...Read More

Do you feel like a zombie walking through life not sure how to pay your next bill? Let me unmask the myths behind Bankruptcy and give you some basic knowledge about a process that can give you the fresh start you need. Bankruptcy is a legal process in which you ultimately receive debt relief. The...Read More

Q: What is bankruptcy? A: Bankruptcy is a legal process for people who cannot afford to pay their bills, and offers them a fresh start. The right to file for bankruptcy is granted by federal law, and all Connecticut bankruptcy cases are handled in federal courts located in New Haven, Bridgeport and Hartford. Q: How...Read More

If you have come to the realization that your debt is too overwhelming for you to manage on your own, you might consider filing for bankruptcy. However, before you can begin the process of filing for bankruptcy, you will have to go through a process call or texted pre-bankruptcy counseling. This is a mandatory process...Read More

Hello, and welcome to my new video blog series. My name is Theresa DeGray and I am an attorney in Connecticut. I practice in the areas of Bankruptcy, Foreclosure and Civil Litigation Defense. Please click below to watch my first vlog in which I answer the most frequently asked question: “What is a Return Date?” In all civil cases, at...Read More

If you owe federal income taxes to the Internal Revenue Service (IRS), you may be able to discharge the debt in Bankruptcy.  In order to do so you must qualify for Chapter 7 Bankruptcy and all of the following conditions must be met: The taxes that you owe are, in fact, income taxes and not...Read More

If you are in the process of getting divorced, it would be wise to consult a consumer attorney to analyze your financial circumstances, ensuring all of your obligations will be accounted for in the Divorce Decree/Separation Agreement, and to determine if you can handle paying them once you go back to a single income after...Read More

A: The date on which the 90-day waiting period for a divorce begins. Also, the date that starts the countdown for things taking place in a case, including the deadlines for filing certain papers, including the date by which the defendant should file an appearance. Nothing happens in court on the return date and no...Read More

     “Do I need to bring anything?” This is the most frequently asked question I get when making an appointment for an initial consultation with a new client. The answer is always “no.” All I need to help you…is you!      If you, or someone you know, has a legal issue, the best thing to...Read More