Individuals filing for bankruptcy under Chapter 13 must use a new form that presents their payment plan in a more uniform and transparent manner, and creditors will have less time to submit a proof of claim, under new bankruptcy rules and form amendments that took effect Dec. 1. By creating greater uniformity of where specific...Read More

Article I, Section 8, of the United States Constitution authorizes Congress to enact “uniform Laws on the subject of Bankruptcies.” Under this grant of authority, Congress enacted the “Bankruptcy Code” in 1978. The Bankruptcy Code, which is codified as title 11 of the United States Code, has been amended several times since its enactment. It...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

Trying to decide if filing for bankruptcy is the right option for you can be a stressful process.  There is a lot to consider and it is important to fully understand your financial situation and how filing for bankruptcy can help or hurt you.  Once you actually decide to file for bankruptcy, some of the...Read More

If you take a few moments to call or text each of these companies and request a copy of your credit report, you can bring in the reports and Attorney Theresa Rose DeGray will analyze your financial situation and give you a free consultation on how to clean up your credit. Contact us at www.ConsumerLegalServicesLLC.com or 203-713-8877to make your...Read More

Bankruptcy is a choice that may help if you are facing serious financial problems.  You may be able to cancel your debts, stop collection call or texts, and get a fresh financial start.  Bankruptcy can help with some financial problems, but does not guarantee you will avoid financial problems in the future.  If you choose...Read More

A decision to file for bankruptcy should be made only after determining that bankruptcy is the best way to deal with your financial problems.  This blog can not explain every aspect of the bankruptcy process.  If you still have questions after reading it, contact Consumer Legal Services, LLC for a FREE consultation today! What Is...Read More

Are you maxed out on your credit cards? Have you recently been laid off? Do you have unexpected medical bills? Is your phone ringing off the hook with aggressive bill collectors? Has your mortgage ballooned out of control? In a nutshell, are your bills more than you can pay? Fortunately, there’s a bailout available to...Read More

What is Bankruptcy? Bankruptcy is a legal proceeding afforded to people (or businesses) who are unable to handle a financial crisis. Bankruptcy is made available by federal law so that you can have a fresh start. How Does Bankruptcy Work? After an individual qualifies and files a bankruptcy, legal protections are then instilled by the...Read More