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...Read More

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...Read More

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...Read More

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...Read More

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. ...Read More

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...Read More

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...Read More

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 Orange, Shelton and Wethersfield) and will strive to find a convenient time and place to meet with you.  I have...Read More

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/ustRead More

“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...Read More