The Law Offices of Neil Crane has been providing care, solutions and guidance on debt since 1983.  Call our office or submit a chat form today.

Bankruptcy Lawyer Middletown CT

Middletown Bankruptcy Lawyer

Bankruptcy Lawyer, MiddletownBankruptcy law is a group of US/Federal laws that provides legal protection for individuals and families throughout the United States with full bankruptcy protection right here in Middletown, CT.  Since all money problems create fear and a feeling of hopelessness, most Middletown residents don’t know that thousands of Middletown residents suffer with the same financial fear and anxiety.  They don’t even know that the Bankruptcy Code is there to help them cope with overwhelming monthly bills.  Bankruptcy law is a set of powerful laws or “chapters” that provide legal solutions to financial problems.  At the Law Offices of Neil Crane, we’ve used our experience and specialized knowledge of bankruptcy law and all types of debt relief to provide prompt and respectful recoveries to hundreds of our hardworking Middletown, CT clients.

The Bankruptcy system is empowered to control any debt collection, phone calls, lawsuits, or legal actions throughout the United States in any stage of collection.  It assures our clients of protection of all their assets and answers for all types of debts.  Properly prepared and conducted bankruptcy cases under any Chapter of Bankruptcy, be it 7, 11, or 13 provide all the crucial parts to a full and lasting financial recovery.

Bankruptcy System Protections For You:

  • An immediate stop or automatic stay on all collection efforts, phone calls, letters, lawsuits, wherever pending at whatever stage with a centralized spot for resolution right here in Middletown, CT controlled by your attorney.
  • The immediate protection of all assets of all kinds wherever located. Bank accounts, homes, paychecks, cars, and all other belongings are protected from all creditors.  Seizures, levies and garnishments, lawsuits, and foreclosures all stop instantly upon the filing of any case under any Chapter.
  • The resolution of all debt in accordance with importance for your future. Every form of debt or collection is covered and controlled by Federal debt relief protection, organized and run by your attorney with no court attendance required.
  • Prompt and predictable results are known in advance and guaranteed in advance in every case we file on your behalf. The end result and your financial plan for recovery is all known in advance with certainty and a guarantee.  At the Law Offices of Neil Crane, we’ve provided 38 years of predictable, certain results fully known to our clients in advance with perfect math, perfect paperwork, and all picture of your financial success before any bankruptcy filing.  It’s powerful, it’s certain and it’s guaranteed

The Most Common Chapters of Bankruptcy Protection Are Chapter 7 and Chapter 13

Chapter 7 Bankruptcy and Chapter 13 Bankruptcy are the two most common forms of bankruptcy used for the protection of individuals and families.  Both Chapters have the powerful protections of the Federal Bankruptcy system and all of the benefits of laws that protect individuals run by an efficient system that fixes your budget but always leaves you in charge.  Contrary to bank myths and false information, the Bankruptcy system doesn’t control your spending or your life – it protects your ability to pay for all your regular expenses on your own, free from creditors.  It protects all of your assets on your way to a financial fresh start.  Both Chapters are efficient, well-run, and completed in our office, with no Court appearances required from you.  Call us to speak with an experienced, motivated Middletown bankruptcy lawyer.  Attorney Crane takes all calls himself – we never use voice mail.  Call us today at 203-230-2233 to learn everything you need to know about getting your life back on track.

Bankruptcy Law Protects Assets in Middletown, CT

Bankruptcy law was specifically created for the protection of all of your assets.  Homes, cars, bank accounts, personal belongings, pensions, all of your other assets are protected through comprehensive, carefully written laws that assure continued ownership and absolute protection for your assets through Bankruptcy Exemptions.

Bankruptcy Exemptions

  • Bank accounts up to $13,900 per person
  • Pension accounts and retirements accounts of all types
  • Homes now up to equity of $250,000 per person
  • Cars
  • Personal belongings
  • Social Security
  • Worker’s Compensation Awards
  • Personal Injury Claims
  • Alimony
  • Life Insurance
  • Other assets

At the Law Offices of Neil Crane, we use our knowledge and experience to assure that all of your assets are fully protected.  Quite contrary to the myths and misinformation provided by banks and others, we’ve never filed a bankruptcy case and “lost” any assets to the Bankruptcy System.  Instead, we file to assure Federal protection of all of our clients’ assets in full.

The Bankruptcy System for Middletown, CT

All Bankruptcy Chapters provide for an immediate halt or “Automatic Stay” on any collection actions, phone calls, lawsuits, judgments or foreclosures effective everywhere in the United States as your attorney files your Middletown, CT case right here in New Haven Federal Court.  As a Court of higher federal jurisdiction all collectors, government agencies or lawsuits must cease and instead seek redress here in the Bankruptcy Court from the first moment of a bankruptcy, or until further Order of the Bankruptcy Court.  As your counsel, we deal with all creditors or parties in interest through our local system without your involvement.

The Automatic Stay and all cases in our favorite Bankruptcy Court for all Chapter 7 and Chapter 13 filings give our specialized Middletown bankruptcy lawyers the opportunity to use all their knowledge and experience on your behalf.  Our reputation in all three Connecticut Bankruptcy Courts assures that our Chapter 7 and Chapter 13 clients get the best path to a new financial life.

Chapter 7 in Middletown, CT

Chapter 7 is the most common form of personal bankruptcy filing in Middletown, CT. All properly filed Chapter 7 cases protect all your assets and eliminate debt without any repayment.  Chapter 7 is the number one source of guaranteed relief from overwhelming credit card debt.  These high-interest consumer borrowings are fully discharged permanently on the first day of filing a perfect Chapter 7 case.  All assets are protected from creditors with no repayment of unsecured debts.  Cars and homes continue with you forward as you choose, and no Court attendance is ever required.  For our Middletown, CT clients struggling with monthly credit card payments, collection calls and all other forms of debt, perfect Chapter 7 filings have allowed us to provide over ten thousand Chapter 7 restarts.

At the Law Offices of Neil Crane, we have thousands of pleased Chapter 7 clients, all thrilled with our services, the Bankruptcy System, and their new fresh start.  To learn more, call Attorney Neil Crane directly at 203-230-2233.  He always takes your call directly – We never use voice mail.

Chapter 13 in Middletown, CT

Chapter 13 is a more comprehensive Chapter of bankruptcy relief with additional “super powers” and provisions that address all types of debt of any kind.  Chapter 13 grants you the power to reorganize and restructure secured debt like car loans, mortgages, and liens of all kinds.   These expanded powers in Chapter 13 require greater lawyer experience and specialization but in the hands of our special Middletown bankruptcy lawyers, Chapter 13’s added protections allow us to handle all forms of debt and create perfect and affordable Chapter 13 Plans of Reorganization.  The powerful Chapter 13 system has many additional rules and details, both written and unwritten, requiring your Chapter 13 bankruptcy lawyer to possess the highest level of skill and the greatest amount of experience.   At the Law Offices of Neil Crane, we are the largest providers of successful Chapter 13 bankruptcy relief in Connecticut.

Chapter 13 is the number one method for saving homes from loss to Banks or foreclosure in Middletown, CT.  As a Court of higher powers, the Bankruptcy Court stops all Middletown State Court foreclosures at any stage of foreclosure.  This immediately brings your house protection in the homeowner-friendly Bankruptcy System controlled by our attorneys and not your Bank.  By law, all homeowners are immediately able to restart current payments without Bank involvement or approval – Saving your home is your right under Chapter 13.

In Chapter 13, all past debt goes into a Chapter 13 Plan of Reorganization crafted by our expert Middletown bankruptcy attorneys to take full advantage of the powerful debt relief provisions of Chapter 13 while allowing you to recommence regular payments free from involvement with past creditors.  All pre-petition problems and debt issues are permanently resolved, and your involvement with the Court and Bankruptcy System is now behind you.

If you’re looking for a new start or just some help with your finances, you need to give us a call.   All our excellent Middletown, CT bankruptcy lawyer recovery stories started with a scary first call that led to an incredible new beginning.  They were afraid to call, but it’s now the best call they ever made for their family and their finances.  At the Law Offices of Neil Crane, we’ve dedicated our entire careers to helping our hardworking middle-class clients get relief from overwhelming debt and start on a clear path to financial and credit recovery.

Call Attorney Neil Crane directly at 203-230-2233 for a complete analysis of your financial situation and a discussion of the many options that are available to you.  He always takes all calls directly himself – We don’t leave you with voicemail.

Bankruptcy Analysis and Bankruptcy Preparation in Middletown, CT

All great recoveries start with early detailed preparation of a Plan for each person’s perfect financial recovery.  While all of our clients arrive suffering from worry and anxiety, all of our cases are perfectly prepared, easy to understand, and completely explained in advance.  With our experience over a 38-year history of success, we know exactly how to customize each case with a written outline in advance and a full road map for your individual success.  We layout all of our cases from the first day to the last, including steps for fast credit recovery and solid habits that assure your future long after your case is granted and over.

Our Bankruptcy lawyers have been assisting with new beginnings and financial fresh starts since 1983.  Call us to see how our motivated bankruptcy lawyer Middletown clients recommend can help you.  203-230-2233.


If you are facing financial hardship, it may be in your best interest to discuss your situation with a bankruptcy lawyer Middletown, CT residents and their families can rely on to provide an exceptional level of service and guidance.

The hardworking residents of Middletown, CT have been taught to honor their obligations and pay their bills on time, but unfortunately, a number of factors out of their control, including the Pandemic, layoffs and inflation, have made the very best of intentions very difficult, if not impossible, to fulfill. What are your options if you’re facing a situation where you are no longer able to pay your debts?  If you’ve tried all other options without success, it’s time to contact an experienced Middletown bankruptcy lawyer at the Law Offices of Neil Crane.  We’ll take the time to thoroughly evaluate your entire budget and explore all the legal options available.  Call us at 203-815-1161 or toll free at 1-888-249-3027.  You’ll always speak directly with an attorney – we don’t use voice mail.

You’re probably aware of the bankruptcy option, but there is a lot of misinformation about bankruptcy and people often have a number of questions about the process and whether or not they even “qualify.”  Here are a few common questions that you may be contemplating if you’re finding yourself in a constant, downhill struggle with your monthly bills.

Can I file Bankruptcy if I’m not behind on my bills? 

Yes.  Being behind on your bills is not a requirement for filing a bankruptcy.  In fact, the majority of people that we speak to are actually paying their bills, but they can see that their hard work and effort is not resolving the problem.  Their balances continue to revolve at high amounts and no amount of payment causes a reduction in the balance.  Try as they might, nothing seems to relieve the problem.  In addition, their credit score is tanking, even though they are completely current.  The reason their credit score is going down and they can’t make any progress is that their debt is far too high for their income.  They may be current, but it’s not improving and they can’t fix it on their own.  This is a very common situation in Middletown and throughout Connecticut, where we do everything that we can to pay our bills, even if it isn’t working.  We are well-trained to keep our bills current, but we need advice from a qualified bankruptcy lawyer in Middletown, CT to see what we can do to get off the hamster wheel of debt.

How do I know if a Bankruptcy would help me?

If you’re even looking for help or Bankruptcy advice, you need help or Bankruptcy advice.  No one just seeks information on Bankruptcy if they don’t have a need.  Learn about Bankruptcy from a long-term experienced professional right here in Middletown, CT.  Get a free consultation to learn what options best suit your needs.  Whether Bankruptcy is right for you or your family – if you’re looking for advice, you need it and shouldn’t give up until you get the best free advice available from an experienced Middletown Bankruptcy attorney.

What is the hardest part about filing for Bankruptcy?

The hardest part about filing Bankruptcy is most likely the first phone call to seek help.  Like many big problems, we feel that money problems are personal and confidential, and we keep them too private to ask for help.  We’re proud and we don’t want to seek help with our personal financial problems, so the hardest step is looking for help, admitting we can’t solve it on our own.  Forgiving yourself and seeking help is the hardest part of any Bankruptcy we ever file.  It’s really hard to call us, but it’s worth it.  We’ve solved over 15,000 Connecticut cases without respect and predictability.

What are the best parts about filing for Bankruptcy?

The best part is a fresh start, a new life, and a bankruptcy system that confidentially assures your recovery.  Every Bankruptcy case provides a new financial life and a path to a fresh future for you and your family.

Can my bank refuse my mortgage payments if I file for Bankruptcy?

No, your bank or mortgage company must continue to accept your mortgage payments when you file for Bankruptcy protection under any Chapter of Bankruptcy.  Middletown homeowners are legally protected to assure continued mortgage payments with no defaults or problems from filing Bankruptcy.  This is true even if you don’t pay a credit card and still wish to pay your mortgage to the same bank.  Filing for Bankruptcy requires mortgage companies to keep your account current and in perfect standing during any Bankruptcy filing, even if you don’t pay a credit card or other bill with the same bank.

If you are also researching these questions, perhaps it’s time to seek the advice of an experienced Middletown bankruptcy lawyer.  Attorney Neil Crane offers a free consultation in which you can learn the options available to you and even the best fit for your particular circumstances.  You have questions, he has the answers.  Call us today at 203-230-2233 and speak with Attorney Crane directly. He is always happy to help.