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

Oftentimes Bankruptcy and Divorce go hand-in-hand.  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...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

In your Chapter 7 Bankruptcy process there will be 3 main characters: you, your attorney and the Chapter 7 Bankruptcy Trustee assigned to your case.  In short, a Chapter 7 Bankruptcy Trustee is the person who oversees your Bankruptcy Case. There are currently ten Chapter 7 Trustees in the State of Connecticut who are appointed...Read More

In this blog we will explore a very important step in your Chapter 7 Bankruptcy process: Your Chapter 7 Bankruptcy Petition Signing and Filing. Once you have met with me for your free initial consultation, retained me to file your Chapter 7 Bankruptcy Petition and delivered to me all of the required documents, I will...Read More

After we have our Initial Consultation and you have delivered your documents to me, 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...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.  I offer free initial consultations at various locations around the state of Connecticut (including Orange, Shelton, Hartford and other various locations) and will...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

A: Chapter 13 of the Bankruptcy Code provides for adjustment of debts of an individual with regular income.  Basicall or texty it allows you to re-organize your debts and save your home and cars. A Chapter 13 Bankruptcy is also call or texted a wage earner’s plan. It enables individuals with regular income to develop a...Read More