No.  Not that F Word. The word I am talking about is Forgiveness. In particular, Debt Forgiveness. This can be achieved through Bankruptcy or Bankruptcy Alternatives. I talk a lot about Bankruptcy, but it’s not for everyone. So, what are the alternatives? Here are the top three: Repayment with Workouts (aka Debt Negotiation) Debt Management with Strict...Read More

The Servicemembers’ Civil Relief Act applies in bankruptcy cases. It provides protection to members of the military against the entry of default judgments and gives the court the ability to stay proceedings against military debtors. Background The Servicemembers’ Civil Relief Act (“SCRA”) is found at 50 U.S.C. app. §§ 501 et seq. The purpose of...Read More

If you are over the age of 18, you need an “Estate Plan,” especially if you have children. A basic estate plan consists of three documents: A “Power of Attorney,” which appoints someone you choose who will have the power to do things on your behalf such as banking, real estate and other transactions if...Read More

              Find out if you qualify for FREE: Qualification for Bankruptcy is based solely on income. It is calculated using your last six months of income. The Means Test used to determine qualification allows you to make up to certain amounts of money based on your state and household size....Read More

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

Maintaining Order – The judicial system in Connecticut exists to uphold the laws of the state. Our courts help to maintain order in our society by: determining the guilt or innocence of persons accused of breaking the law; resolving disputes involving civil or personal rights; interpreting constitutional provisions of laws enacted by the legislature and...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

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

Every year I re-read the Declaration of Independence and meditate on the amazing freedoms I enjoy (and sometimes admittedly, take for granted). This year I have been studying the history of Bankruptcy in America and came across this wonderful book call or texted Republic of Debtors: Bankruptcy in the Age of American Independence by Bruce...Read More

For the month of January 2017, all Estate Planning Packages are 25% off.  They include a Will, Living Will and Power of Attorney.  Also, we are announcing that we are moving from 74 Cherry St to 501 Boston Post Road, Unit #23 , Orange, CT as of February 1, 2017, and we will be starting...Read More