Norwalk Bankruptcy Lawyer
Bankruptcy law has provided protection for individuals and small businesses in Norwalk, CT for generations. Bankruptcy is a comprehensive group of laws or “Chapters” that work together to create a fully organized system for the protection of individuals and families who are struggling to make ends meet. Thousands of Norwalk, CT residents have used the protections of all Chapters of bankruptcy to recover from the economic challenges of life in Norwalk, CT. At the Law Offices of Neil Crane, we are Norwalk, CT attorneys who have been using the Bankruptcy System to provide strong and prompt financial recoveries to hundreds of Norwalk, CT individuals and local businesses in Norwalk, CT since 1983.
At the Law Offices of Neil Crane, we use the Bankruptcy System to create a smooth and efficient process that guarantees our clients the highest and best financial recovery available. While there are various options available to our attorneys to resolve your final problems, the Bankruptcy Code contains the most powerful laws written to protect individuals and families with overwhelming debt and problems paying their bills. The Bankruptcy Courts, the Bankruptcy system, and U.S. Bankruptcy Trustee’s Office are a highly-specialized group of attorneys and long-term professionals put in place to work for you and ensure that you get full financial recovery under the protection of the Bankruptcy Code. It’s a powerful system dedicated to your recovery. While it seems complicated to other lawyers, in the hands of our specialized and experienced Norwalk Bankruptcy lawyers, we have used it to deliver decades of swift and efficient recoveries on behalf of hundreds of Norwalk, CT residents.
All Chapters of Bankruptcy have certain major and powerful standard protections that assure success and a fresh start. In Norwalk, CT the Bankruptcy Court will guarantee three important achievements:
- A Fresh Start: The Bankruptcy Code was first written generations ago and is periodically revised to assure a smooth system for the financial recovery of all individuals and families who seek its protection. The laws and the process assure that every person can “start over,” get a “fresh start and return to a productive and far-less stressful life. The Bankruptcy Code was written to create financial recovery and in the hands of specialized bankruptcy professionals, it’s guaranteed.
- Guaranteed Results: While the Bankruptcy system is highly complex, to a specialist it’s also completely predictable. Perfect preparation creates perfect and totally predictable results every time.
- Confidential and Respectful Treatment: The Bankruptcy System operates through attorneys so that you won’t need to have any presence in Court. The whole process from start to finish is completed by our Norwalk Bankruptcy experts without your having to attend Court. Instead, we are there for any hearing required without any need for your attendance. In Norwalk, CT all Chapter 7 or Chapter 13 cases only require one short 5-10-minute informal meeting that is entirely respectful to all filers with good legal counsel, with the benefit of our superb preparation in every case. Your meeting with us there with you will start with “thank you for the paperwork” and end five minutes later with “good luck to you.”
The Process
Regardless of how we solve your problems, the debt relief bankruptcy process is logical and predictable. At the Law Offices of Neil Crane, our system for prompt recoveries under any options or any Chapter of Bankruptcy follows a clear and concise process from a prompt start to a guaranteed finish.
First Contact
Always the toughest but most important first step is contact with a specialized bankruptcy attorney. Email is good, but a direct and comforting phone call is by far the best. Attorney Crane always takes all first calls directly and we never use voicemail. If you can find the strength to call us to take that first step, we deeply appreciate the trust and want to give you immediate, personal attention from Attorney Crane. He’ll always discuss your case with you immediately himself and give you the benefit and warmth of nearly 40 years of helping individuals and families in Norwalk, CT. To speak with Norwalk’s most experienced bankruptcy attorney, call Neil Crane directly at 203-334-5555.
Free Consultation
We always offer a prompt and complete initial consultation with Attorney Crane to confidentially discuss your specific challenges, fears and concerns. We discuss options for resolving all your concerns along with a full plan that best fits you. We’ll also speak about the process, your involvement, time frames for your result, and costs of representation. We offer affordable flat rate services with flexible payment plans that will fit your budget. We never charge hourly or extra beyond our Court-regulated flat fees.
Drafting Your Case
Within the first three to five days of hiring our office, we will interview you at a time convenient with your schedule and do a complete draft or first galley of your case. We’ll learn all the details for a complete first draft of all paperwork and necessary documents. Doing this fast and smart is our way of:
- Knowing everything about your case immediately and in detail;
- Showing you immediately how hard and smooth we can work for you and how committed we all are to your prompt and full recovery. We understand it’s a very private issue, but we’ve been comforting people, working with people, and solving people’s hardest financial problems since 1983. You can always count on our expertise and experience.
We want to guide you to success and get your case fully prepared as quickly as possible. If you’re looking for slow or disinterested, it’s not us. Nothing goes slow in our office.
Preparation of All Documentation
Immediately upon signing up with our office, we produce a document checklist of all the items to be prepared in your case, from start to finish. It’s all on there, and it’s all customized to your case from the beginning to the guaranteed end. The key to all perfect debt relief and bankruptcy practice is perfect preparation. We are experts in understanding all that’s going to be required to start and conclude your case. We know it all in advance and prepare your case perfectly in advance of any filing. This produces an exact guaranteed result in all our Norwalk bankruptcy cases. Preparation means predictability and success.
Filing and Closing Your Bankruptcy Case
Many people are surprised to learn that bankruptcy cases under all Chapters are prepared entirely in advance and completely within our offices. From the first day of our retention, all phone calls, correspondence, lawsuits, and legal work goes through our office directly. All paperwork is prepared in advance by our office as your attorneys. All bankruptcy cases under Chapter 7 and Chapter 13 are controlled by math and paperwork so it is always completely predictable and certain. It’s all done in advance in our office with your help, input and review before any case is ever filed. Once it’s filed, it’s really over and it’s effective the moment it is filed. You start over the next day – It’s immediate. Perfect preparation, perfect result. It’s totally predictable, effective, and done the moment we file it with the Court.
Your First (and Only) Creditors Meeting
Thirty days after your case is filed and effective, there is an informal interview called a Chapter 7 or Chapter 13 First Meeting of Creditors. It’s informal in an office setting with us, you, and a Chapter 7 or Chapter 13 Trustee attorney in an office room or often just over the phone. The meeting is respectful and brief because all of our Norwalk Bankruptcy cases are prepared correctly in advance. Before we even file your case, all the paperwork for the meeting is done and ready so all meetings with our office start off with a greeting by the Trustee and a “Thank you for the paperwork.” With our office, that’s the completion of the meeting and the case, we never have a; second meeting. We do it right the first and only time. Being perfectly prepared for this meeting, starting on Day One of your case, has been the essential element to our decades of success under Chapter 7 and Chapter 13 in producing perfect recoveries in Norwalk, CT, and throughout Connecticut.
Meetings close up within 5-10 minutes and conclude with the Trustee’s “good luck to you.” And that’s the end of the process and your involvement. Your case is effective on the date filed and the meeting is only a brief chance to identify you with our lawyers by your side. At the Law Offices of Neil Crane, that’s how we prepare and that’s how we succeed.
Discharge Date
After an uneventful meeting, an uneventful sixty days will pass and the entire system will close your case permanently, effective from the date we first filed it on your behalf. There will be no Court appearances for you – we do all the Court work directly with the Court and any other interested parties. All contact with the Court and creditors goes through our office and our full group of experienced Norwalk Bankruptcy attorneys.
With good help from clients, most cases can be filed and fully effective within two weeks or shorter. The case is immediately effective on that date forever, (the “petition date”), and the case is entirely closed to any changes within 90-105 uneventful days and one five-to-ten-minute informal meeting with our office and the Chapter 7 or Chapter 13 Trustee.
At the Law Offices of Neil Crane, we know that for our Norwalk, CT bankruptcy clients, if the case goes in perfect, it comes out perfect. To learn more about Bankruptcy law in Norwalk, CT, call us at 203-334-5555. Speak to Attorney Crane directly. We never use voice mail.
BANKRUPTCY PROTECTION AND MYTHS IN NORWALK, CT
If you are facing financial hardship, it may be in your best interest to discuss your situation with a bankruptcy lawyer Norwalk, CT residents and their families can rely on to provide an exceptional level of service and guidance.
The Bankruptcy System is made up of Bankruptcy Courts which are part of the Federal Court System and the United States Trustee’s Office, which is part of the Federal Justice Department. They’re long-term attorneys and professionals specialized in providing proper relief to individuals, families and businesses who need legal assistance to solve financial problems
Bankruptcy protects your assets. All Bankruptcy law is intended to protect what you own and help you get in control of what you owe. Bankruptcy protects all assets from any type of creditor, collection lawsuit, tax authority or foreclosure. This protection starts immediately through the imposition of a Federally-mandated Automatic Stay. The Automatic Stay gives all your belongings full protection from any creditor actions against you under any Chapter of Bankruptcy. Bankruptcy is a shield for your assets and a system in place to assure you debt relief and a new financial future.
The Norwalk Bankruptcy lawyers at the Law Offices of Neil Crane have been devoting their time and efforts to relieve Norwalk families of their financial burdens and dispel the myths and misunderstandings that surround the filing of a bankruptcy. Here are just a few of the myths that are “out there,” along with the actual facts.
MYTH: BANKRUPTCY MEANS I’M A FAILURE
FACT:
Bankruptcy doesn’t make you a failure. It does mean that you were unable to keep your budget healthy enough to pay all your bills – and that is just another hurdle to overcome. It’s not how we were raised and it’s not who we want to be. But financial misfortunes happen and they happen to good people. Good payers, hard workers and people dedicated to living responsible lives, supporting themselves and their families. Everyone struggles with debt.
It’s a difficult economic climate in Norwalk, CT and it’s been recently even more difficult. We fault ourselves when we don’t succeed and overwhelming finances can make you feel like a failure. Nonetheless, bankruptcy is the solution and not the problem. Debt and low wages are the problem. It’s hard to deal with the pressure of money problems and it takes time after Bankruptcy relief to forgive yourself. But you will certainly recover and forgive yourself and lead a better, healthier financial life because you called a Norwalk Bankruptcy lawyer at the Law Offices of Neil Crane and fixed the problem. At the Law Offices of Neil Crane, we know that some of the best, hardest working people in Norwalk, CT become our clients but they trust in us to assure their long-term success
MYTH: I CAN’T FILE FOR BANKRUPTCY IF I OWN A HOME
FACT:
Hundreds of Norwalk, CT homeowners file Bankruptcy under both Chapter 7 and Chapter 13 Bankruptcy with no loss of their home. Most Norwalk Bankruptcy clients actually file to protect their homes from overwhelming creditors who seek to attach or foreclose their homes and assets prior to their receiving Bankruptcy Court home protection. All homeowners under Chapter 7 or Chapter 13 continue to make their mortgage payments uninterrupted by the Bankruptcy System and free from the pressures and collection actions of unsecured creditors. Under Chapter 7 or Chapter 13, your home is fully and permanently protected by Federal law.
MYTH: THE BANKRUPTCY COURT WILL QUESTION HOW I SPENT MY MONEY OR WHAT I DO IN THE FUTURE.
FACT:
This isn’t true under Chapter 7 or Chapter 13. Under both Chapters, the reason for your Bankruptcy is not relevant to the System’s desire to fix your financial problems. It is a system built for your recovery and no Court or Judge will ever question your spending or your motives. In fact, Chapter 7 and Chapter 13 Bankruptcy proceedings in Norwalk, CT don’t ever require your presence in Court.
MYTH: IF I FILE FOR CHAPTER 7 I WILL STILL HAVE TO PAY BACK SOME OF MY BILLS
FACT: NOT TRUE.
Chapter 7 is full and permanent consumer debt relief with no repayment to creditors now or even in the future. All bills are “discharged” by Federal Court Order and no efforts can be taken at collecting these debts in any manner. In fact, strong Federal jurisdiction and sanctions remain to protect you against any future efforts to collect. All your assets and all your income are preserved in full with no repayment of discharged debt.
MYTH: IF I FILE FOR CHAPTER 7 I’LL BE FORCED TO MEET WITH MY CREDITORS
FACT:
This is entirely not true in the vast majority of all Chapter 7 cases. Although each case does have a one-time non-Court meeting, it is conducted by your attorney and a Court-appointed and experienced Chapter 7 Trustee in an informal meeting or phone call. Creditors have a right to attend, but more than 97% of all our Chapter 7 cases have no creditors present. The meeting is known as a “First Meeting of Creditors” – but we never have a second meeting, creditors don’t attend in any non-business cases and the meeting is approximately five minutes long.
MYTH: BANKRUPTCY WILL RUIN MY CREDIT FOREVER
FACT: NOT TRUE.
While Chapter 7 Bankruptcy may reduce your credit score in the short run, it will improve for the long-run. Credit Score is now largely based on your amount of unsecured credit card debt, with 35% of your FICO Score being based on credit card and credit line utilization – exactly the problem that Chapter 7 fixes. Chapter 7 stops falling credit scores and with proper credit habits, creates rising solid high credit scores based on low debt loads and smart financial planning.
Call our experienced, motivated Norwalk Bankruptcy lawyers at the Law Offices of Neil Crane to learn more about the respectful and efficient process of filing for Chapter 7 or Chapter 13 Bankruptcy in Norwalk, CT. Attorney Crane has almost four decades of experience with the Bankruptcy System, and can be reached directly at 203-334-5555. Your call is important to us, we never use voicemail. And Attorney Crane is happy to help.
