“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
The Fair Credit Reporting Act (FCRA) requires each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information in the files of the nation’s credit reporting...Read More
If you’re living on a tight budget and find yourself barely scraping by from paycheck to paycheck, getting your tax refund might seem like an incredible gift. However, you want to use this gift wisely. While it is natural to want to spend your tax refund immediately, there are better ways to use this money, especially...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
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
Attorney DeGray is proud to announce that Consumer Legal Services, LLC will be participating in the New Haven Volunteer Attorney Program giving Free Foreclosure and Loan Modification Advice. Through this program, parties will have free consultations with a volunteer attorney on issues such as mortgage modification, foreclosure and/or foreclosure mediation. Attorney DeGray and the other volunteer attorneys will provide parties with a...Read More
If you decide to seek bankruptcy relief, you can represent yourself, you can hire an attorney to represent you, or you can get help in some localities from a bankruptcy petition preparer who is not an attorney. THE LAW REQUIRES AN ATTORNEY OR BANKRUPTCY PETITION PREPARER TO GIVE YOU A WRITTEN CONTRACT SPECIFYING WHAT THE...Read More
This court order grants a discharge to the person named as the debtor. It is not a dismissal of the case and it does not determine how much money, if any, the trustee will pay to creditors. Collection of Discharged Debts Prohibited The discharge prohibits any attempt to collect from the debtor a debt that...Read More
Most people with debt problems are, at least intially, highly resistant to the idea of filing for bankruptcy. Filing chapter 7 or chapter 13 is often viewed as taking the easy way out, or looked at as a good way to ruin one’s future credit rating, or as a moral failing best to be avoided. These viewpoints, combined with financial...Read More
