Bankruptcy Lawyer, East Hartford
At the Law Offices of Neil Crane, we have been providing financial solutions for East Hartford, CT individuals, families, and small businesses as East Hartford, CT bankruptcy lawyers for four decades. We understand that thousands of East Hartford, CT hardworking individuals and families are struggling with the high costs of living in Connecticut, rising household expenses, and insufficient income. Try as they may, high-interest debt is crushing their monthly budgets. If you feel like you’re always trying to pay your bill every month, you’re not alone. Thousands of neighborhood households in East Hartford, CT struggle, often silently, with the same financial problems we see throughout Connecticut. They all work tirelessly every day to pay their bills and meet their responsibilities.
For some individuals and families, the pressure of high-interest bills can be too much to handle. Often times they see that making continuing hard-earned payments every month doesn’t even put a dent in their balances. It’s a never-ending struggle and sometimes It is just too much. Fortunately, there are answers and options in every case we take on. You just need to make that scary first call to our office. We’ve been helping thousands of Connecticut residents and families with debt relief and bankruptcy law solutions in East Hartford, CT since 1983. Hundreds of residents in East Hartford, CT have made that first call to our office and have been rewarded with our ability to get them the fresh start they need and deserve.
There are legal answers to financial problems and the first place to go is the experienced East Hartford, CT bankruptcy law specialists at the Law Offices of Neil Crane. We use bankruptcy law and all other forms of debt relief, foreclosure relief, and tax relief laws to find financial success and a fresh start for all our clients. We are specialists with the long-term experience and knowledge to find the best answer for every type of debt problem. To learn more about how we can help ease the crush of your monthly financial burdens, call us and speak directly with Attorney Neil Crane at (860) 785-1000, the go-to Bankruptcy lawyer in East Hartford, CT.
How Bankruptcy Law and the Bankruptcy System Work for You
The Bankruptcy System in Connecticut was created over 100 years ago to provide strong federal laws and protection for individuals, families, and small businesses in financial trouble. It’s run by the government and in accordance with a group of laws or “Chapters” created and run with rules and procedures to solve financial problems for hardworking East Hartford, CT residents. It gives our clients a federally mandated code of protection. It provides laws for any US citizen to protect assets from creditors and preserve the right to a financial fresh start. Chapter 7 and Chapter 13 provide two systems that combine to protect all residents of East Hartford, CT with relief from all types of debt and the full protection of your assets. These laws alter, reduce or fully eliminate what you owe and protect what you own. Bankruptcy laws work to grant Borrowers a full set of Federal rights and powers throughout the country. The Bankruptcy laws also created an entire Federal Bankruptcy System which operates daily to assure fair treatment and real fresh starts for all our East Hartford bankruptcy clients.
Bankruptcy laws under Chapter 7 or Chapter 13 were written to stop all collection actions, preserve your belongings, and eliminate or reduce what you owe. It is an extremely powerful system built for the hardworking middle class. It’s created for you and banks hate it.
Chapter 7 and Chapter 13 Protect Your Assets from Creditors
Contrary to popular myth, all bankruptcy law serves to protect assets. It keeps them fully protected under Chapter 7 and Chapter 13 through legally specific Exemption Laws.
Chapter 7 and Chapter 13 Exemptions protect:
- Homes up to $250,000 in equity per person
- Paychecks
- Bank accounts up to $14,000 per person
- Tax refunds
- Social Security
- Cars
- Pensions
- Life Insurance
- Personal Property
- 529 Accounts
- Custodial Accounts
- Household Goods
- Worker’s Comp Claims
- And others…
It is the only Court that fully protects these exempt assets with the Court-granted power to remove liens from your home or pay.
In addition to preserving your assets in the Chapter 7 and Chapter 13 Bankruptcy system, bankruptcy law gives a federal protection for all your assets so they can’t be seized, levied, or liened by creditors ever again. This means that in the Bankruptcy System, old liens can be taken off exempt assets that would otherwise be threatened by these liens in any place other than the Bankruptcy Court. It is a special, federally granted power to remove an order of any other court and remove liens in order to protect your rights to all your exemptions.
Chapter 7 and Chapter 13 Debt Reduction
Both Chapter 7 and Chapter 13 eliminate a wide variety of debts or obligations. Chapter 13 has expanded broader powers for debt relief. Chapter 13 covers every kind of debt, including student loans, recent taxes, penalties, and even certain types of divorce obligations.
Both Chapter 7 and Chapter 13 can reduce or eliminate the following types of debt:
- Credit Card Debt
- Personal loans
- Deficiency Judgments
- Collection actions
- Medical bills
- Utility bills
- Older Federal Income Taxes
- Older State Income Taxes
- Payday loans
- Utility bills
- Rental bills and others
Chapter 13 has an expanded scope of relief to reduce, eliminate or restructure all kinds of debt, including:
- Mortgage arrearages
- Mortgage foreclosures
- Recent taxes
- Student loans
- Divorce obligations
- Fines or penalties
- Statutory liens
- Second mortgages
- Lien removal
- Priority debts and others
The expanded scope of Chapter 13 is available to all individuals regardless of assets or income. Chapter 13 is the strongest, most powerful form of comprehensive debt relief protecting all individuals from all types of debt wherever located. To learn more about how bankruptcy protection under Chapter 7 and Chapter 13 can be the answer to your financial nightmares, call Attorney Crane at (860) 785-1000 and schedule a free consultation today.
Specialized Treatment Under Chapter 7 and Chapter 13 Bankruptcy
At the Law Offices of Neil Crane, we’re specialists in both Chapter 7 and Chapter 13 individual bankruptcy relief. We have the knowledge, expertise and experience to know what Chapter of Bankruptcy law fits each case best. We understand the full powers of both Chapter 7 and Chapter 13 and how to pick the perfect Chapter for your specific problem and your best recovery. We’ve spent decades learning our craft and honing our skills to make sure we are the best Bankruptcy lawyers in East Hartford, CT under Chapter 7 or Chapter 13. We’ve even successfully completed hundreds of Chapter 20 cases where we combine Chapter 7 and Chapter 13 relief to create the perfect path to your financial recovery.
Both Chapters use the powerful Bankruptcy System to create an immediate halt on all creditor actions effective on the moment we file your case. The Automatic Stay provision of Chapter 7 and Chapter 13 puts an immediate stop on all creditors, phone calls, lawsuits, foreclosures and even IRS seizures. It assures your assets full protection while forcing back all creditors and allowing our team of experienced East Hartford, CT bankruptcy lawyers to obtain the time and room we need to assure our clients the fullest recovery under any Chapter of bankruptcy.
Chapter 7 is the most commonly filed form of bankruptcy in East Hartford, CT. Y our Chapter 7 success depends entirely on the expertise and talents of your bankruptcy counsel. All our Chapter 7 filings protect all your assets in full. Contrary to popular myth, the Chapter 7 Bankruptcy System protects assets. Chapter 7 Bankruptcy gets rid of what you owe and protects all that you own. All assets are protected and all unsecured debt like credit cards, personal loans, medical bills, and the rest are eliminated in full under Chapter 7 with no repayment now or ever in the future. The debt is permanently “discharged” forever.
All of our Chapter 7 cases at the Law Offices of Neil Crane are confidential, guaranteed, and respectfully run, from start to finish. In the expert hands of our experienced East Hartford, CT Bankruptcy attorneys, all our Chapter 7 cases produce:
- Full unsecured debt elimination
- Full protection of all your assets and belongings
- A guaranteed process with a guaranteed result
- Full confidentiality and respect for all clients
- A full discharge of all unsecured debt and a prompt fresh start
Chapter 13 is a more comprehensive form of bankruptcy that eliminates or reduces unsecured debt while also allowing for the full restructuring of secured debts like car loans and mortgages. It covers all types of debt, even student loans, recent taxes, and certain marital or divorce obligations. Chapter 13 protection covers only individuals, but it covers all individuals with income from any source, be it salary, self-employment, social security, rental income or any other means of support. Similar to Chapter 7, a Chapter 13 filing produces an Automatic Stay on all collection actions, but it also adds to the protections of Chapter 7 with expanded powers over all debts, especially foreclosures and mortgage problems.
Chapter 13 is the primary method used to stop foreclosures and save homes in East Hartford, CT. It brings the homeowner immediately current on all claims against your house and stops foreclosures at any stage in the process. Chapter 13 removes jurisdiction from the State Foreclosure Court in East Hartford, CT and brings your case into the Federal Bankruptcy Court to be resolved under your Chapter 13 Plan of Reorganization. At the Law Offices of Neil Crane, we’ve used Chapter 13 to save thousands of Connecticut homes. We are the largest provider of Chapter 13 relief in Connecticut.
To learn more about the extensive protections afforded to you under Chapter 13 and how it produces comprehensive financial reorganization, call our Chapter 13 bankruptcy attorney specialists now. Attorney Crane is immediately available to take y our call directly at (860) 785-1000. We never use voice mail – You will always speak directly with Attorney Crane.
