Success-after-bankruptcy stories make my heart sing. I spend the majority of my life stomping out the stigma of Bankruptcy. People should not feel like they will be judged or discriminated for seeking a second chance. Especially when it’s their basic constitutional right. So, when I posted on Facebook that I was watching the Preakness Stakes...Read More

In honor of Law Day {which we recently celebrated,} the Orange Bar Association is hosting a FREE Legal Consultation Clinic call or texted “Ask-A-Lawyer” on Saturday, May 30, 2015 from 10 am to 2 pm in the Program Room of the Orange Public Library located at 57 New Haven Avenue, Orange, CT 06477. No appointment...Read More

It’s that time of year again. Tag sale signs are going up, and your friends are talking about spring-cleaning. Every year, you intend to partake in the spring-cleaning ritual. It sounds good, doesn’t it? Sorting through things you don’t need, and selling them for a bit of extra cash, or donating them to people in...Read More

It’s a bit of a catch-22, isn’t it? In order to build your credit, you need to have and use a credit card. But in order to qualify for many credit cards, you need to have good credit. What are you supposed to do when you know that your credit is bad, and you fear...Read More

A sure-fire way to get into debt quickly is to start accumulating interest on some type of balance. Whether you’re dealing with a student loan, a mortgage, or a credit card, interest is the kiss of death for those trying to get out of debt and stay out of debt. It can be very difficult...Read More

A AKA: “Also known as”. Used to list aliases or another name, or another spelling of a name used by a person. Accelerated Rehabilitation:  Also call or texted AR. A program that gives persons charged with a crime or motor vehicle violation for the first time a second chance. The person is placed on probation...Read More

  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 my college and law school years I was affected by medical issues and did not have insurance.  I took student loans to pay for...Read More

1. What is Small Claims Court? The “Small Claims Court” is a part of Connecticut’s court system where a person can sue for money damages only up to $5,000.00. That amount is set by state law and may change from time to time. You may also be able to get interest and costs. The only...Read More

  1. What is the Foreclosure Mediation Program? The Foreclosure Mediation Program was created in 2008 in response to the record number of foreclosure cases filed in our courts. In foreclosure mediation, a neutral third party (mediator) helps the homeowner and bank try to reach a fair, voluntary, and negotiated agreement. During mediation, the homeowner...Read More

Loss mitigation is a tool that lenders have used for decades, with exponential growth since late 2006.  This was a result of the huge increase in foreclosures across the US.  While previously only a small department within the financial system, loss mitigation grew as a result of the near collapse of the mortgage industry due...Read More