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

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.  We offer free initial consultations at our office or your home.  We have day, evening and weekend appointments available and will even skype with you!...Read More

The Fair Credit Reporting Act (FCRA) requires each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information in the files of the nation’s credit reporting...Read More

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

Everyone should have a basic estate plan, especially if you have children. We offer a very affordable package that includes the following documents: Last Will and Testament Living Will Power of Attorney Call or Text today to set up a free appointment to discuss your personalized estate plan with Attorney Theresa Rose DeGray, who can...Read More