July 23, 2019

Life After Chapter 13 Bankruptcy: A Serious Process for a Fresh Start

You have come a very long way, and I want to be the first person to CONGRATULATE you on completing all of your Chapter 13 Bankruptcy Plan Payments, and successfully receiving a Chapter 13 Bankruptcy Discharge!  I understand what an incredible accomplishment this is and admire your determination to clean up your debt and get a Fresh Start!

The day you receive your Chapter 13 Bankruptcy Discharge is the first Debt-Free day of the rest of your life.  I know, as awesome as that may sound, it may also seem a bit scary to think you will have no credit and not be able to fall back on credit cards in an emergency after the long years of being in the Chapter 13 Process, but it’s not forever and there is a healthy and productive way about living cash-only during and after the Chapter 13 Bankruptcy Process.

“Chapter 13 Bankruptcy is a process for people serious about getting a second chance at a financially healthy life.”

Through your Chapter 13 Bankruptcy Process you completed a Debtor Education/Personal Financial Management Course that taught you effective ways of rebuilding your credit.  One of those ways is by obtaining a secured credit card, which you can do almost immediately upon receiving your Discharge.  This is great for two reasons: (1) it will immediately help you rebuild your credit (as long as you pay at least the minimum payment on time each month) and (2) it will give you that safety net back of having a credit card (but it should be strictly for emergencies only).  The beauty of a getting a secured credit card  right after Bankruptcy is that you will only be allowed a very small limit (usually $200 at first), this will help you police your spending habits and force you to learn to live life cash-only.

After you start your new debt-free financial journey you will become confident that you can support yourself and have a healthy financial life without the crutch of credit cards and having the burden of the crushing debt that results from those credit cards.

The number one worry my clients have is that Bankruptcy is public information and it will be used against them.  Although Bankruptcy is public information, your filing is not printed in the newspaper or easily accessible to the community.

Your Bankruptcy filing will show up on your Credit Report and it will show up on a financial background search, however, filing for Bankruptcy is a constitutional right and you cannot be discriminated against solely on the basis of your Bankruptcy.

A few years after you are discharged from Bankruptcy you will able to obtain car loans and mortgages for real estate.  As time goes on, you will be given more favorable interest rates and your credit score will begin to grow.  In fact, some creditors even look favorably on people who have completed a Chapter 13 Repayment Plan, because they know you have the determination, perseverance and ability to make monthly payments on time.

The bottom line is that once you start over in Bankruptcy, learn healthy money management skills and begin to regain your credit, you can live a life of abundance with peace of mind and security.

I tell all of my clients: do not let the potential after-effects of Bankruptcy deter you from filing and getting your second chance at life.

For more information on the Chapter 13 Bankruptcy Process, please contactAttorney Theresa DeGray, at 203-713-8877.

Chapter 13 Discharge

Congratulations, you have successfully completed your Chapter 13 Bankruptcy case and received your Discharge! 

But…just what is a Discharge anyway!?!


The most frequently asked question I get from my clients is “WHAT IS A DISCHARGE?” So, in this Chapter 13 Series Blog installment I am going to fully explain what a Chapter 13 Bankruptcy Discharge is and what it means to you and your creditors going forward.

“The goal of Bankruptcy is to give you a ‘fresh start.’ The Supreme Court made this point about the purpose of the bankruptcy law in the 1934 decision of the case Local Loan Co. v. Hunt, 292 U.S. 234, 244, ‘it gives to the honest but unfortunate debtor…a new opportunity in life and a clear field for future effort, unhampered by the pressure and discouragement of preexisting debt.’  This goal is accomplished through the Bankruptcy Discharge, which releases debtors from personal liability from specific debts and prohibits creditors from ever taking any action against the debtor to collect those debts.”  –www.USCourts.gov


First let’s start with the definition: a Chapter 13 Bankruptcy Discharge is a court order stating that you completed your Plan payments, and are no longer responsible to repay the any outstanding unsecured debts listed on your Chapter 13 Bankruptcy Petition.

Next, we will explore what a Discharge means to you.

Once you have completed all of the steps in the Chapter 13 Bankruptcy Process, (credit counseling, filing your petition, attending your Section 341 Meeting and Confirmation Hearing, completing your personal financial management course and paying all of your Plan payments), you will then receive in the mail a 2 page document entitled “Discharge of Debtor.”

When most people receive this final document they expect it to be very specific and state exactly what debts have been discharged.  Unfortunately, the document simply states “it appearing that the debtor is entitled to a discharge, it is ordered: the debtor is granted a discharge under section 1328(a) of title 11, United States Code, (the Bankruptcy Code).”  It does not list the debts that have been discharged in detail, but rather applies to all of the debts that you listed on your Chapter 13 Bankruptcy Petition, unless otherwise ordered by the Bankruptcy Court.

The second page (or back side, depending on how the Court prints the document) of your Discharge will have the Court’s “explanation of Bankruptcy Discharge in a Chapter 13 Case.”  This is an official Form from the Court and the Court disclaims that “this information is only general…there are some exceptions…you may want to consult an attorney.”

The Court’s explanation contains three main points of information summarized below:

1-Collection of Discharged Debts Prohibited: No creditor is allowed to contact or harass you in an attempt to collect a debt that was discharged.  However, you are allowed to make voluntary payments on any discharged debt.  Normally people do this for doctors or service providers that they want to maintain relationships with.

2-Debts that are Discharged: Debts that are dischargeable in a Chapter 13 Bankruptcy usually include unsecured debts like credit cards, medical debt and personal loans not secured by property and that have not been paid in full through your Chapter 13 Bankruptcy Plan.

3-Debts that are NOT Discharged: Debts that are not discharged in a Chapter 13 Bankruptcy case usually include most secured debts, most taxes, domestic support obligations (such as child support and/or alimony), most student loans, most fines, penalties or criminal restitution obligations, reaffirmed debts, debts owed to certain pensions, profit sharing plans and other retirements plans, and all other debts that the Bankruptcy Court may specifically decide are not dischargeable.

And finally, we will conclude with a discussion of what a Discharge means to your creditors, and more importantly, your credit report.

As stated above, the Bankruptcy Discharge (a Court Order) prohibits any creditors to attempt to collect on a discharged debt.  Therefore, if creditors continue to harass you after receipt of your Discharge, you will want to call us right away, as it is illegal.

Keep in mind that a creditor may still have the right to enforce a lien against your property after your Chapter 13 Bankruptcy has concluded and you have been discharged, if the lien was not specifically listed on your Chapter 13 Bankruptcy Petition and discharged.

You Chapter 13 Bankruptcy Filing and subsequent Discharge will be reported on your credit report.  This will likely remain on your credit report for 7 to 10 years.  However, that will not stop you from rebuilding healthy credit during those years.

In my next Blog and final installment of this Chapter 13 Bankruptcy Blog Series, I will discuss what getting/having a Bankruptcy Discharge means in the next phase of your life.

Contact Attorney Theresa DeGray with any questions you may have about Chapter 13 Bankruptcy Discharges at 203-713-8877.

Debtor Education Course

The last action you must take in your Chapter 13 Bankruptcy Process will be taking the Debtor Personal Financial Management Education Course.  This is actually fun and will be your first step on the road to a healthy financial life!

In order to receive your Discharge you must complete an “instructional course concerning personal financial management”1 after your Chapter 13 Petition is filed and before you make your last Chapter 13 Bankruptcy Plan Payment.  I suggest that you take the course before your 341 Meeting of the Creditors or shortly thereafter so you do not forget to do it, as the Chapter 13 Process is a lengthy one and you may not be making your last payment for 5 years.

This is the second and final course you must take to complete your Chapter 13 Bankruptcy Process.  The first course was “credit counseling.”  This second and final Debtor Education course is different as you will see below.

The Debtor Education course must be administered by an agency that is approved by the United States Trustee Program for the District that you reside in.  I will give you a list of the currently approved agencies during our initial consultation and gently remind you during the process when you should take the course.

The course may be taken in person or online.  It takes approximately two hours to complete, and costs anywhere from $15 to $50 depending on which agency you choose and if they have special promotional offers running at the time.  All you need to take the course is your Case Number.

I call this course “fun” because it teaches you some great tips on rehabilitating your damaged credit and can help you rebuild your credit to better than ever before with simple steps that you can take as soon as you receive your Discharge.

What you will learn in the Debtor Personal Financial Management Education Course is priceless, so if you take it in person, I strongly suggest that you take notes for future reference, and if you choose to take it on the internet, I urge you to save the information to your hard drive or print it out and create a reference guide for yourself.

Here is what you will learn in the Debtor Financial Management Education Course to help you rebuild strong credit:

  • How to Budget: The course will teach you the fundamentals of making a household budget.
  • Money Management: Unlike budgeting, which is big-picture and long-term, managing money is a daily activity in the short-term, and the course will offer you tips on how to manage your money, balance your checkbook and keep up with daily purchases.
  • Why You Should Get a Secured Credit Card: I know this sounds like contradictory advice but the best way to rebuild credit is to get another credit card! But not just any old credit card, you will be taught why and how to get a secured credit card.
  • Building Credit One Month at a Time: The only real way to build strong credit is to pay your bills ON TIME each and every month. By doing that, month after month, your credit builds back stronger and stronger and you will see results year after year as your credit score improves.
  • Saving for the Future: You will learn the importance of taking the money you would have otherwise been spending on credit card payments and saving portions of it to build some security and peace of mind in the form of a savings account, investments and a retirement account.
  • Other Important Consumer Information: You will also receive additional pre-discharge counseling to assist you in life after Bankruptcy.

At the end of your Debtor Personal Financial Management Education Course you will be given a Certificate of Completion.  You can instruct the agency to deliver a copy to me electronically and I will file it, along with your Official Form B23, with the Court for you.

The sooner you take this course during your Chapter 13 Bankruptcy Process, the better.  I believe it will serve you well in being able to budget around your Chapter 13 Bankruptcy Plan Payments.

Check in again soon for the next installment in this Chapter 13 Bankruptcy Blog Series to learn all about your Discharge!

Questions? Contact Theresa Rose DeGray at 203-713-8877.

11 U.S.C. § 727(a)(11)

Bankruptcy 341 Meeting of the Creditors

In my last blog entry of this Chapter 13 Series I explained who the Chapter 13 Trustee is and what role she plays in your Chapter 13 Bankruptcy Case.  In this blog I am going to stay with that topic, and add some information on just what to expect at a typical Section 341 Meeting of the Creditors.  I want you to be fully prepared and to allay any of your fears of testifying at a hearing.  That is why I am going to run through a typical Section 341 meeting step-by-step below.

During your Chapter 13 Bankruptcy Process, after you file your Petition and before you receive your Discharge, you will be required to attend a hearing called a Section 341 Meeting of the Creditors.  These meetings (or hearings) are called “Meetings of the Creditors” because they are an opportunity for creditors of your Bankruptcy Estate to object to your pending Discharge and question you with regard to their claims.  Despite the name, this is an extremely rare occurrence and I don’t usually expect it to happen.  But if it does, we will be prepared and I will alert you prior to the Section 341 Meeting if I am aware of any such claims.

One of the main duties of the Chapter 13 Bankruptcy Trustee is to: Conduct a 341 Meeting of the Creditors (a Hearing you must attend and testify at under oath).  Additionally, the Trustee has the power to refer cases to higher authorities to be investigated for Bankruptcy Fraud and/or other crimes, if appropriate.  Therefore, it is imperative that you fully disclose all of your income, assets and liabilities to me during your Bankruptcy process, so I may properly prepare your Bankruptcy Petition to avoid any improprieties.

You are obligated to attend your Section 341 Meeting and if you fail to do so your case will be dismissed.  At the meeting you will be expected to testify under oath as to the truth of the information provided in your Chapter 13 Bankruptcy Petition and documents provided to your Chapter 13 Trustee prior to your 341 Meeting.

Special Note to Married Couples Filing Bankruptcy Together: You both must attend the Section 341 Meeting.  Most Trustees will ask that only one of you speak and answer the questions for both of you, but if your spouse says something that you do not agree with, it is your responsibility to state your answer on the record separately.

All Section 341 Meetings are conducted at one of the three Federal Courthouses or Federal Government buildings in Connecticut located at Bridgeport, New Haven or Hartford.  The location you will be assigned to is usually randomly selected by the Court’s computer system but generally you can expect to attend the 341 Meeting at the Courthouse closest to your residence.  Section 341 Meetings are technically hearings but they are not formal and there is no Judge present.  It is a casual meeting with the Trustee, and I will be there as your representative.  The three of us (or four, if your spouse is filing as well) will sit around a conference room table.  These meetings are open to the public but usually the only people attending are other persons who have filed for Bankruptcy, or creditors that wish to pose questions to others who have filed.

Interpreters are available upon request and will be provided by the court at no cost to you.

Here is the sequence of events that leads up to, and includes, a typical Section 341 Meeting:

A few days before your scheduled Section 341 Meeting I will send you a letter with instructions, and a staff member from my office will follow-up with a phone call to you.  We will remind you to arrive 15 minutes early to observe other Debtors go through their 341 Meetings, as well as to remind you to bring your Driver’s License and Social Security Card.

When you arrive at the Section 341 Meeting location, I will greet you.  I will ask you if you have any questions for me and then have you sit and observe other Debtors testifying at their Section 341 Meetings.  Once your case is called we will move from the gallery to the conference room table where the Trustee will be sitting.  You will be asked to remain standing, the Trustee will swear you in and then you will be asked to state your name for the record and take a seat.  The Trustee will then introduce herself to us and I will announce my name for the record.

The Trustee will then ask you a series of questions under oath and you will be subject to the penalties of perjury.

Sample questions include but are not limited to the following:

  • Did you read the petition, schedules, statements, and related documents before you signed them?
  • Are all of your assets identified on the schedules?
  • Have you listed all of your creditors on the schedules?
  • Have you previously filed bankruptcy?
  • What is the address of your current employer?
  • Is the copy of the tax return you provided a true copy of the most recent tax return you filed?
  • Do you have a domestic support obligation?
  • Have you read the Bankruptcy Information Sheet provided by the United States Trustee?
  • Have you made any transfers of any property or given any property away within the last one year period?
  • Does anyone hold property belonging to you?
  • Do you have a claim against anyone or any business?
  • Are you the plaintiff in any lawsuit?
  • What is the status of each case and who is representing you?
  • Are you entitled to life insurance proceeds or an inheritance as a result of someone’s death?
  • Do you own an automobile?
  • Do you have any winning lottery tickets?
  • And there will be a few questions at the end about your Chapter 13 Bankruptcy Plan.

Please remember that the Trustee has the power to refer cases to higher authorities to be investigated for Bankruptcy Fraud and/or other crimes, if appropriate.  Therefore, it is imperative that you tell the truth while you are under oath at the Section 341 Meeting of the Creditors.

All in all, the Section 341 Meeting should last no more than 15 minutes and should be the first of the only two times you have to personally appear at any Hearings during your Chapter 13 Bankruptcy Process.  (The other time will be at your Chapter 13 Bankruptcy Plan Confirmation Hearing.)

Next up in this Chapter 13 Blog Series will be my blog about your Chapter 13 Confirmation Hearing!

If you have any questions in the meantime, contact Theresa Rose DeGray  at 203-713-8877.

The Chapter 13 Bankruptcy Trustee

In your Chapter 13 Bankruptcy process there will be 3 main characters: you, your attorney and the Chapter 13 Bankruptcy Trustee.

The Chapter 13 Bankruptcy Trustee is the person who oversees your Bankruptcy Case.

There is currently only one Chapter 13 Trustee in the State of Connecticut, who is appointed by the United States Trustee.  The Trustee Program is a part of the Department of Justice.

The United States Trustee Program is a component of the Department of Justice that seeks to promote the efficiency and protect the integrity of the Federal bankruptcy system. To further the public interest in the just, speedy and economical resolution of cases filed under the Bankruptcy Code, the Program monitors the conduct of bankruptcy parties and private estate trustees, oversees related administrative functions, and acts to ensure compliance with applicable laws and procedures. It also identifies and helps investigate bankruptcy fraud and abuse in coordination with United States Attorneys, the Federal Bureau of Investigation, and other law enforcement agencies.”The U.S. Department of Justice

Upon filing of your Chapter 13 Bankruptcy Petition you will be assigned to the Chapter 13 Bankruptcy Trustee by the Bankruptcy Court’s computer system.  I will deliver the name, address and payment instructions of the Chapter 13 Trustee to you in person or by email the day you sign and I file your Petition, and a few days later an official Notice from the Bankruptcy Court will be mailed to you with this and other pertinent information about your Bankruptcy case.

The primary duties of the Chapter 13 Bankruptcy Trustee are to:

  •  Examine your Chapter 13 Bankruptcy Petition, Schedules and Plan;
  •  Conduct a 341 Meeting of the Creditors (a Hearing you must attend and testify at under oath);
  •  Review your Plan and suggest any changes prior to the Confirmation Hearing and;
  •  Administer your Plan by collecting your payments and making disbursements to your Creditors.

The Chapter 13 Trustee Administrative expenses are built into and paid out of your Plan.  Additionally, the Trustee has the power to refer cases to higher authorities to be investigated for Bankruptcy Fraud and/or other crimes, if appropriate.  Therefore, it is imperative that you fully disclose all of your income, assets and liabilities to me during your Bankruptcy process so I may properly prepare your Bankruptcy Petition to avoid any improprieties.

After your Chapter 13 Bankruptcy Petition and Plan are filed, but before you attend your 341 Meeting, we will mail to you a Questionnaire provided by your Chapter 13 Bankruptcy Trustee.  The questions are simple and you should be able to answer them all without assistance, but of course, I am always here to guide you.  An example of one inquiry on the questionnaire would be “have you ever filed bankruptcy before?”  If the answer is “yes,” there will be a few follow-up questions like “What was the case number?” and “Did you receive a discharge?”

Your Chapter 13 Trustee will also provide to my office a list of required documents that the Trustee will examine in conjunction with your Bankruptcy Petition.  The list of requested documents will include such things as Tax Returns, Bank Statements and Paystubs.  Usually I will already have everything that is requested, but I may ask you to provide additional documents to satisfy the requests of your Chapter 13 Trustee.

The next part of my Chapter 13 Bankruptcy series will take you through your Chapter 13 Section 341 Meeting of the Creditors so you are fully prepared to attend the Hearing.

Contact Attorney Theresa Rose DeGray at 203-713-8877 for more information on this and other Bankruptcy related topics.

Chapter 13 Plan

In my last blog I discussed your Chapter 13 Bankruptcy Petition Signing.  Also at that appointment we will go over your Chapter 13 Bankruptcy Plan which will be filed with the Court along with your Petition.  This blog will give you a general overview of a typical Chapter 13 Bankruptcy Plan (hereinafter referred to as “the Plan”) in Connecticut.

The first section of the Plan will state the portion of your future income that you will submit to the Chapter 13 Trustee each month to execute the Plan.  This section also states “the applicable commitment period” or, in other words, how many months the Plan will be for (Plans can be for 3 or 5 years (36 or 60 months)).  The amount of time required depends on the amount of disposable income you have, along with other factors.  The usual Plan will take 5 years to complete.

Your first payment must be made to the Chapter 13 Trustee within 30 days after filing of the Plan.  Failure to do so may result in the dismissal of your case.  The Chapter 13 Trustee usually requires the payments be made by wage garnishment (attaching your pay) after the Plan is confirmed.  Until then, you must mail the payments to the Chapter 13 Trustee.  I will provide you with the address and specific instructions when the time comes.

The first section of the Plan will also list any domestic support obligations you may have.

The second section of the Plan will explain the disbursements that will be made by the Chapter 13 Trustee from the payments that you make.  The first set of disbursements are for Priority Claims (such as taxes and government student loans), if any.  Followed by Secured Claims (such as mortgages and car loans), if any.  However, these debts are ordinarily paid outside of the Plan by you directly to the Creditor(s).

The last set of disbursements listed in the second section of the Plan will be for your unsecured debt.  This is done by listing the total of all general unsecured claims.

The next few sections of the Plan will list your executory contacts (unperformed contacts), if any, and give “other” terms of the Plan, which is a catchall for terms that do not neatly fit in to any other section.

In the last section of the Plan it will state my attorney’s fees for representing you and whether they are to be paid inside or outside of the Plan.

This will be followed by a signature block for you and me to sign.  The Plan will state that all questions regarding the Plan will be directed to my office.

Remember, this Plan is subject to change upon examination of the Chapter 13 Trustee and is not final until the Order of the Court after your Confirmation Hearing.  Your Confirmation Hearing will be explained in a later blog within this Chapter 13 Blog Series.

Contact Attorney Theresa Rose DeGray at 203-713-8877 with any questions you may have and stay tuned for our next blog entry in this Chapter 13 Series which will explain just who and what the Chapter 13 Trustee is and why the Trustee plays such a vital role in your Chapter 13 Bankruptcy.

This is no April Fools’ Joke: Means Test Numbers are Going Up as of April 1, 2019!

After your initial consultation, 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 do so. In 2005 Congress enacted the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA)1 and added the Means Test requirement to prevent abuse of the Bankruptcy process. Simply put if you “pass” the means test, you are a qualified candidate and can file a Chapter 7 Bankruptcy Petition. If you “fail” the means Test, you may not file a Chapter 7 Bankruptcy but you may enjoy other alternatives such as a Chapter 13 Bankruptcy.

The Means Test primarily encompasses a two-step analysis:

STEP ONE: Your (the “debtor’s”) gross income is calculated on an average over a six month period prior to filing for Bankruptcy. Gross income for means testing purposes includes wages, salary, tips, bonuses, overtime and commissions. It does not include social security benefits. The figure derived from taking the average is than considered the Debtor’s Current Monthly Income which is then compared to the median income for your state and household size. If your current monthly income is less than the median income for your state and household size, than you “pass” the means test and are allowed to file a Chapter 7 Bankruptcy Petition. If, however, your current monthly income is greater than the median income for your state and household size, you may proceed to Step Two.

STEP TWO: If your current monthly income is greater than the median income for your state and household size, there is, in technical terms, a “presumption of abuse.”2 In order to rebut the presumption, or in other terms, to pass the means test by using the second step, the means test’s second section allows you to subtract from your current monthly income certain allowable and deductible expenses.3 These allowed deductions include, but are not limited to, expenses for living (mortgages and property taxes), transportation (car loans and car taxes), health insurance and charitable donations. After the calculations are performed, and the allowable deductions are taken, and if you then have no disposable monthly income available, you will then have passed the Means Test and may file a Chapter 7 Bankruptcy. If, on the other hand, you do have remaining disposable income, you may consider a Chapter 13 Bankruptcy.

The discussion above is an overview of the Means Test in basic terms and is in no way intended as a specific analysis of your personal financial circumstances.

For an analysis of your own financial circumstances, please contact Attorney Theresa Rose DeGray, to schedule your free consultation today!


1See: 11 U.S.C. § 707(b)

2See: 11 U.S.C. § 707(b)(2) and 11 U.S.C. § 707(b)(3)

3See: 11 U.S.C. § 707(b)(2)(A)

What to Expect at an Initial Consultation

THE FIRST STEP on your journey to a fresh start begins with a free and confidential consultation to learn exactly what your options are.  I offer initial consultations at various locations around the state of Connecticut (including Milford, Shelton and Wethersfield) and will strive to find a convenient time and place to meet with you.  I have day, evening and weekend appointments available and will even skype or facetime with you!

An initial consultation with a lawyer is a great opportunity for many reasons.  When you meet with me for the first time you will be treated with respect, dignity and compassion.  I understand the hardship you are facing and will give you my full attention.  The meeting will be an opportunity for you to interview me, just as much as it is an opportunity for me to interview you.  Always remember, when you hire an attorney, they work for you, and you must feel comfortable with them as you will have to trust your attorney to guide you through each and every step of the Bankruptcy process.

During our consultation I will ask pointed questions that are focused on painting a picture of your financial circumstances.  This inquiry will include questions pertaining to your income, assets and debts.  Through your answers I will be able to analyze your financial circumstances and offer you options.

Next I will show you various disclosure statements that I am required to give to you by the United States Bankruptcy Court under the Bankruptcy Code1.  These documents will explain the Bankruptcy process, the difference between the various chapters of Bankruptcy, what a Discharge is and what credit counseling services are, among other important things.  You will be asked to sign these documents, acknowledging that you received them.

Finally, if I determine that you are a likely candidate for Bankruptcy and you are interested in hiring me to file your Bankruptcy Petition, I will conclude my presentation by guiding you through a checklist of documents I will need from you to perform a Means Test.  A Means Test is a formal assessment used to determine if you qualify for Bankruptcy.  Do not be alarmed, it is not a test like the SATs and does not require you to pencil in any bubbles!  On the contrary, you will gather the documents and my staff and I will prepare the test for you as part of our package services.

Throughout the consultation and especially at the end, I will ask you if you have any questions.  I will be happy to answer all of your questions and you should not hesitate to ask any question or ask for clarification if something is unclear.

At the conclusion of the initial consultation I will give you a folder with all of my contact information and copies of all the documents you read and signed during the meeting.  A follow-up appointment will be made with you for either a telephone conference or an in-person meeting to go over any further questions you may have and to help you with the gathering of your documents.

The next part of this series will go into more depth about the specific documents you will gather so that we will be able to analyze your financial circumstances and prepare your Means Test.

To schedule your initial consultation, please call us at 203-713-8877 or visit our website at www.ConsumerLegalServicesLLC.com.
111 U.S.C. §§ 101-1532

GOOD NEWS: Updated Census Bureau Median Family Income Data

March 14, 2019

The Census Bureau’s Median Family Income Data accessible through the “Means Testing Information” page has been updated. The U.S. Trustee Program will apply the updated data to all cases filed on or after April 1, 2019.

SOURCE: https://www.justice.gov/ust

Turn Your Tax Refund Into Debt Relief Today

“Leverage: the use of a small initial investment…to gain a very high return.”

— Dictionary.com

          I have been debating how to talk about this in a delicate manner and I simply could not figure it out. So, I will just come out and say it: People being crushed by debt can leverage their tax refunds to file Bankruptcy and get a Fresh Start. There, I finally said it.

          It may not sound kosher but it is. Instead of using your tax refund to pay off a portion of your debt, or to buy a big screen TV, people can pay for their legal fees to get out of massive amounts of debt if they qualify and it is the right thing for them to do based on their circumstances.

          If you are struggling with debt and want to explore this option, please contact my office and schedule a free and confidential consultation.


This firm is a debt relief agency. We help people file for bankruptcy relief amongst other things, under the Bankruptcy Code.