Bankruptcy Lawyer, West Haven
As the local economy attempts to recover, many West Haven residents will seek the protections provided by Chapter 7 and Chapter 13 bankruptcy. For thousands of hardworking West Haven residents, debt relief and bankruptcy protections will be an important step on their path to financial recovery. Strained by health and economic challenges, many budgets simply can’t afford the high payments for debt that has built up over the turbulent past few years. Fortunately, the Bankruptcy System grants any faltering West Haven residents full protection for their assets and the right to a financial fresh start. In fact, the bankruptcy system was created to make sure that individuals and families can survive economic upheavals. Bankruptcy law grants you time to pay, debt elimination, and a variety of other critical federal protections, including foreclosure prevention.
The Bankruptcy System is a federally mandated protection for borrowers in trouble. It’s made up of a powerful set of laws and sections that create Chapter 7, Chapter 13, and Chapter 11 protections for individuals and small businesses. In addition to creating laws for your protection and recovery, the Bankruptcy Code creates an entire federal system administered by specials courts and professionals dedicated to your rights, your protection from angry creditors, and your path to a financial fresh start. It’s a system built and running just for you. It protects you from banks and aggressive collectors in favor of recovery and renewal.
At the Law Offices of Neil Crane, we’ve used all types of debt relief and bankruptcy laws to deliver prompt solutions to even the most-dire of West Haven family budgets since 1983. Our experience, knowledge, and commitment to our West Haven clients have made us the Number One provider of bankruptcy relief and financial fresh starts in Connecticut. To learn more about how the Bankruptcy System can work for you and re-set your financial situation, call the dedicated, experienced bankruptcy lawyers at the Law Offices of Neil Crane at 203-230-2233. Attorney Crane has been solving financial problems for almost four decades, and he can solve yours too.
All Chapters of bankruptcy law have individual, specialized provisions, but all share the common powers necessary to provide relief under Chapter 7 or Chapter 13. While your case needs to be professionally and perfectly filed, all individuals throughout the U. S., including all residents of West Haven, CT, have the right to bankruptcy relief. Chapter 7 and Chapter 13 are the most common forms of bankruptcy relief in Connecticut with the majority of cases filed under Chapter 7. All bankruptcy filings provide the major elements to a predictable and guaranteed fresh start.
- An automatic stay or stop on all collection actions, lawsuits, foreclosures, seizures, or court processes of any kind by right immediately upon filing under any Chapter of bankruptcy.
- Asset protection – all bankruptcy Chapters assure that your assets remain with you and are protected from creditors in any stage of collection, lawsuit, foreclosure, or repossession.
- Unsecured debt relief – All bankruptcy chapters provide protection or elimination from unsecured creditors like credit cards, personal loans, lawsuits, and all forms of consumer debt.
- Access to your full rights under Bankruptcy law – All properly filed cases protect individuals and provide your attorney with special powers to eliminate, reorganize or restructure your debt. A properly run filing under Chapter 7 or Chapter 13 provides access to the full protections of the entire Bankruptcy system and controls any other Courts, laws, or lawsuits in any state.
All of the Bankruptcy system’s powers and protections are in place to preserve the rights of debtors in need with any filing under any Chapter of bankruptcy law. The Automatic Stay is a federally mandated halt on all collections actions wherever located at any stage of collection from the first phone calls to the final sale of a home through foreclosure. It stops all actions in all states immediately upon filing under Federal Bankruptcy law. The halt to all collection or legal actions means that anyone seeking anything from you or your assets needs to come to our local Federal Bankruptcy Court which now has the powers to protect your assets and financial future right here in Connecticut. For anyone filing bankruptcy in West Haven, Connecticut, all actions must be brought into our local Bankruptcy Court right here in New Haven, CT without exception. The Automatic Stay assures our clients immediate protection of all assets from any creditor, party, or governmental agency seeking to collect. It’s a powerful protection and it’s yours immediately.
Asset protection is the essence of bankruptcy law and proper bankruptcy legal work. The federally mandated security of all of your assets from any court or legal action against individuals under Chapter 7 or Chapter 13 is further enhanced by your rights to specific State and Federal Exemptions. Exemptions are things that can never be taken from you in any bankruptcy case under Chapter 7 or Chapter 13. They include:
- Homes now up to $250,000 in equity per person
- Bank accounts or other assets up to $14,000 est. per person
- Household belongings
- Cars
- Pensions or retirement accounts
- Tools of your trade
- Paychecks
- Tax refunds
- Workers Compensation Claims
- Social Security, and more
These assets and others are always untouched, protected, and preserved for your immediate recovery and your path to a fresh start.
Bankruptcy debt relief covers unsecured debt relief under Chapter 7 and also covers all secured debt under the expanded provisions of Chapter 13. Both Chapters 7 and 13 can eliminate or reduce:
- Credit card debt
- Personal loans
- Garnishments
- Medical bills
- Older state and federal income tax
- Personal property tax over 1 year old
- Payday loans
- Deficiency Judgments and others
Chapter 13 encompasses all forms of debt under Chapter 7 and also allows for the reorganization or elimination of secured debts like:
- Home loans
- Liens
- Levees
- Garnishments
- All forms of taxes
- Student loans
- Certain marital obligations
- Any other forms of priority debt
The super protections of Chapter 13 are available to any West Haven, CT individual regardless of income or assets.
Access to the Bankruptcy system under Chapter 7 or Chapter 13 grants all West Haven filers the full weight of the federal court system. It creates immediate jurisdiction in a case that protects you and gives your lawyer all the powers of the Bankruptcy Code mandates and the powers to enforce your rights immediately against all creditors right here in the Federal District Court in downtown New Haven. This gives our specialized West Haven bankruptcy counsel all the tools necessary to protect and enforce your rights against any creditor or party seeking to move against our West Haven, CT clients.
The proper use of the Bankruptcy Court to protect our West Haven bankruptcy clients has empowered our office with the laws necessary to provide hundreds of successful West Haven Chapter 7 and Chapter 13 bankruptcy recoveries. To learn how bankruptcy law works for you and how to turn a continuing daily financial nightmare into a full fresh start, call us about using Chapter 7 or Chapter 13 bankruptcy laws to obtain the immediate recovery you need and deserve. With over 37 years of experience right here in West Haven, CT, we are the largest provider of bankruptcy relief and recoveries in Connecticut.
Call and speak with a bankruptcy lawyer West Haven residents trust. It’s a hard and scary first call but it’s always answered directly by Attorney Crane and it’s the best call you can ever make for you and your family. Call us at 203-230-2233 and let us give you the help you need.
