10 Common Bankruptcy Myths

Mar 16, 2020 | Bankruptcy Process

At The Law Offices of Neil Crane, we understand that there are a lot of bankruptcy myths that prevent people from seeking the help that they need.

Bankruptcy Myths #1: Assets Are Lost During Bankruptcy

All Bankruptcies are filed to protect assets from creditors.

A properly filed case will not result in any loss of assets. Bankruptcy law protects homes and personal belongings through liberal “exemptions” or allowances for assets that are protected for you and necessary to your fresh start. Bankruptcy is filed to protect what you own and get rid of what you owe. Homes, automobiles, personal belongings, furniture and other assets are protected by bankruptcy law, including all pensions and all forms of IRAs up to $1 million along with cash of up to $14,000+/- per person. These assets are protected from your creditors so you can restart and rebuild your family’s future.

Bankruptcy Myths #2: Bankruptcy Will Cause You to Lose Your Home or Your Car

Bankruptcy stops all lawsuits and prevents foreclosure and repossession.
All debt collection actions in any state or court in the country are immediately stopped by a bankruptcy filing, including repossessions, lawsuits, foreclosure, and attachments. Bankruptcy under any chapter protects all of your assets immediately upon filing. The automatic stay of bankruptcy takes effect immediately after filing for bankruptcy, stopping the foreclosure process, preventing collection actions and stopping harassment from creditors.

Bankruptcy Myths #3: Bankruptcy Will Ruin My Credit Score

The effects of filing bankruptcy on credit score is a myth.  The true result of bankruptcy on credit score varies for all individuals, depending on their individual circumstances.  For people with bad credit scores, it only serves to improve their score through a clean slate.  All people with high debt, even perfect payers, already have falling credit scores because of their high credit card burdens and its effect on FICO scores.  High utilization is now 35% of all credit scores.  People with mediocre credit will likely experience a small falling score initially with a bankruptcy filing, but will then be able to earn a higher and rising score above and beyond their initial filing score.  In fact, bankruptcy can be the first and best step to achieving a solid and excellent credit score.

Credit Scores and Bankruptcy: You can begin rebuilding your credit score and obtain credit cards immediately after filing for bankruptcy.

Creditors love to extend credit to post-bankruptcy clients. They have good income, reduced debt, or no debt at all. Even though you can borrow money again right away, it pays to be careful. Credit after bankruptcy has become too easy – we make sure you are thoroughly educated about the advantages of good credit and the dangers of new debt.

Bankruptcy Myths #4: I Won’t Be Able to Get a Mortgage or Loan After Bankruptcy

Mortgages after Bankruptcy: You can still obtain a mortgage or an auto loan after filing for bankruptcy.

Re-establishing credit after bankruptcy is not like it used to be. Credit cards and car loans are quickly available at good rates within months of a Chapter 7 bankruptcy. By restarting with a limited amount of credit, and staying current on post-bankruptcy payments, bankruptcy actually improves your credit worthiness by ending defaults, reducing unmanageable debt loads and improving your family’s debt-to-income ratio. With good practices, a mortgage should be available to clients post bankruptcy without a co-signer three years or less. Now more than ever, bankruptcy, followed by sound financial practices, rebuilds credit and allows for manageable financial obligations and high credit scores.

Bankruptcy Myths #5: Bankruptcy Takes a Long Time

Bankruptcy is a quick process completed with no court appearance that should take a month or less – some cases can be fully completed in a few days.

After the initial meeting with our Bankruptcy attorneys at The Law Offices of Neil Crane, we can have a client on the road to financial recovery in a couple of days to a week. Our clients are often surprised at how fast they are able to get back to their lives.

Bankruptcy Myth #6: Bankruptcy is Only for People Who Aren’t Responsible

Filing bankruptcy is a federal right granted to all U.S. citizens.

Filing for bankruptcy is not taking the easy way out. Most clients wait far too long to seek help. For people who need to file for bankruptcy, it is an alternative provided to you under federal law. You have the right to create a financial fresh start and obtain relief from creditors and unmanageable debt problems. Unregulated banks and lenders with excessive interest payments and fees have become a danger to all hard-working middle-class Connecticut residents. Bankruptcy is created for the protection of middle-class Americans at risk.

Bankruptcy clients and middle-class consumers are some of the hardest working families in America. Some have made mistakes, but all have worked hard to solve those mistakes . For many middle-class Americans, the only protection left is bankruptcy law, and under that law, you have a right to relief and a fresh start.

Bankruptcy Myth #7: I Can File Bankruptcy On My Own

Don’t file on  your own.  Improper Chapter 7 bankruptcy filings can’t be withdrawn, and Chapter 13 bankruptcies require specialization and experience to be successful.

A properly qualified and experienced bankruptcy attorney is necessary to assure your success.

The bankruptcy system works, but it isn’t easy. It takes experienced counsel and practiced expertise. Reliance on the assurances of non-qualified “experts,” out-of-state companies or “friends” can seriously jeopardize your chances of successfully finding debt relief. The knowledge and experience of a highly qualified attorney are the key to presenting your case effectively, resolving your debt problems in a customized manner specific to your precise legal and financial problems. This is a highly specialized area of the law. Your future is too important to trust to anyone other than a true local bankruptcy attorney with a long track record of resolving financial issues for people just like you.

At the Law Offices of Neil Crane, experience, reputation and hard work assure all cases are successful.

Bankruptcy Myth #8: Bankruptcy Lawyers Only Do Bankruptcy Cases

Bankruptcy lawyers understand and practice all the options for debt relief.  We can do debt settlement and other negotiations to resolve outstanding debt as well as negotiating lawsuits and stopping debt collectors from harassing you.  Harassment from creditor phone calls and mailings can become very stressful and detrimental to your recovery as well as threaten your livelihood.  Experienced Bankruptcy attorneys can stop all harassment and prioritize your needs into a plan for sound debt relief of any type, depending on your particular individual needs.

Bankruptcy Myth #9: Creditors Will Stop Harassing Me if I Don’t Answer Their Calls

Creditors Will Not Stop Until You Show Them You Are Serious

Creditors tend to violate the law because few people ever complain about their tactics. People with debt often are made to feel that they have no rights or protections. The fact is, creditors often violate the law, even though there are numerous federal and state consumer laws designed to protect you.

Our professionals know how to negotiate with creditors and put an end to overwhelming collections and legal actions efficiently and effectively.  Effective debt relief or any bankruptcy plan starts with immediate relief from creditor calls and a specialized plan for a financial fresh start. We take every creditor call for every client by hand.  We never use voicemail, so they’ll never call you back.

Bankruptcy Myth #10: Everyone Will Hear About My Bankruptcy

You have a right to privacy. Your taxes, Social Security Number and financial information are private and confidential.  The Federal Court system protects bankruptcy filings and access to confidential financial information.  The only one who will follow your bankruptcy filing is you.

Contact Our Connecticut Bankruptcy Law Firm – We Know the Facts from the Fiction

We offer a free initial consultation. Please do not hesitate to call us today at 203-230-2233, or complete our online contact form to discuss your questions and concerns with an experienced bankruptcy attorney. When you call us, you will always speak to a live attorney. We never use voicemail. We are committed to providing excellent service to every client, every day.

Everyone has very understandable and obvious reservations about filing for bankruptcy. But in many cases, it is the correct option that provides any true solution. Understand all the options. Your knowledge is power. Often bankruptcy is a hard choice but it is the right solution.  Bankruptcy is often the correct and only available true solution. Thankfully, we still have a Bankruptcy System that respectfully protects the middle class and its right to a path for financial recovery.  You need to learn and understand your specific legal options.  As one of the leading providers of bankruptcy relief in Connecticut, we inform a broad range of people from many backgrounds by examining their complete family budgets and advising them about all the proper choices available for a sound and workable solution.  We understand the best alternatives for protecting assets, rebuilding financial lives, rebuilding good credit and gaining a fresh financial start.  We can help you decide if bankruptcy is the best path for you, based on your particular situation.

What happens after Bankruptcy?

Mar 16, 2020 | Bankruptcy Process

There is Life After Bankruptcy

Many people are fearful about filing for bankruptcy because they worry that their financial future will be permanently damaged after bankruptcy. They worry that they may never again be able to get a credit card or purchase a home. Fortunately, that is not the case.  Each year bankruptcy is a new beginning for thousands of Connecticut families.

At The Law Offices of Neil Crane, LLC, in Hamden, Connecticut, we see our clients regain their financial independence. When you hire our law firm, you hire all our experience to work directly with you. Our attorneys answer your questions and give practical advice with one goal in mind: Restoring you to financial health in your life after bankruptcy. For many of our clients, filing bankruptcy is the beginning of a new financial life and a whole new attitude about debt.  Bankruptcy is a solution and also a learning process – It is often the time when our clients truly learn the dangers of borrowing money and all the pressures to take on new debt, and they don’t get caught again.

The joy of our job is your financial recovery.

In our conversations, we talk honestly about the true building blocks to permanent financial health:

• Your debt-to-income ratio: Debt-to-income ratio considers what level of income you need to sustain for you to remain current on your debts.
• How to stay debt-free: We will guide you through the process of making solid financial decisions.
• How to avoid credit card debt for long-term financial health: In your life after bankruptcy, you will immediately be faced with offers for pre-approved credit cards. Credit cards are okay, but never carry a monthly balance.  Use it, but pay it in full.
• Avoiding second mortgages: We believe that any second mortgages are bad mortgages. Houses are designed to provide your family with stability. Never use your house as a bank.

We understand that many people originally filed for Chapter 7 or Chapter 13 bankruptcy for reasons that were not their fault and beyond their control. They faced rising costs with no rise in income, unexpected medical bills, experienced a divorce, or lost a job. While these things were beyond your control, your financial future can be in your control again. With your lawyer’s help, you can truly have a successful life after bankruptcy.

Rebuilding Your Credit After Bankruptcy

When you struggle with debt, or just have too much debt, you watch your credit take a tumble. Many people think that the only way to really rebuild your credit after struggling with debt is to claw their way out; but they can’t, no matter how hard they try – It’s a numbers game, and they’ve lost.  There are legal answers. Taking proper steps to solve problems with your creditors will ease your long-term credit concerns and rebuild your credit score. Credit scores are enhanced by debt reduction and can be easily rebuilt with the proper professional help.

The Myth of the Credit Score

Do not let concerns over your credit score prevent you from taking real action when it comes to your debt. Debt reduction and an improved debt-to-income ratio are the beginning of a fresh credit report and a high credit score.

Taking real action to get the debt relief you need will end up increasing your credit score on a solid and permanent basis. 

Your Debt to Income Ratio

Debt to income ratio is the percentage of your gross monthly income that goes toward paying old debts. When it comes to your financial health, maintaining a good debt to income ratio is critical. Your family should have enough income to pay the debts it incurs every month — while paying all bills due in full and hopefully saving for the future. Too much borrowing on credit cards ruins your debt-to-income ratio, your credit score, and your family’s financial future.

There are many financial habits that lead to a good debt to income ratio:

• Paying off the balance due each month
• Using debit cards instead of credit cards
• Limiting the amount of credit you have available
• Not taking out second mortgages
• Don’t take consolidation loans or programs
• Never take pay day loans

When to Seek Professional Assistance for your Finances

All our clients share a common fear and reluctance to face the challenges of their financial problems and are hesitant to seek outside help.  We understand this in all our clients, we respect those feelings and do our best to make our services comforting and affordable.  Solid, honest discussions about the financial challenges of living in Connecticut are the cornerstone to a solid and successful working relationship with an educated client.  We often feel that we have the hardest working clients in Connecticut.  All of them share common signals that they may need to seek our help:

1. They can’t seem to make ends meet
2. They pay only the monthly minimum balance.
3. They are always juggling to meet billing deadlines.
4. They can’t fix it on their own, no matter how hard they work.
5. They’ve become credit card dependent. Life’s essentials, like gas and groceries, and even credit card payments, go on credit cards.
6. They are often in a use it, pay it, use it, pay it relationship with their credit card lenders.
7. They are out of options and facing daily feelings of financial despair.
8. They don’t know how to fix it on their own.
9. They don’t sleep well.

We offer a free consultation. Please do not hesitate to call us today at 203-230-2233, or complete our online contact form to get advice from an experienced attorney.

Read the 10 Common Myths about Bankruptcy

How do you file for Bankruptcy?

Mar 16, 2020 | Bankruptcy Process

The first step in deciding whether to file for bankruptcy is right for you is an analysis of what you own, what you owe, and how much of your income is being taken away by your monthly debt service.  If too much of your income is lost to paying on your monthly debt, your budget becomes unbalanced and even the hardest of Connecticut’s sacrificing workers won’t be able to get ahead of it.  Too much of your money going to past due  bills means that you won’t be able to afford essential services like food, housing, utilities and car payments.

Meeting with Attorney: A meeting with a professional bankruptcy attorney will provide an analysis of all your assets, liabilities, income and expenses.  The first important step in the process is a prompt, thorough evaluation of the reasons and solutions for your financial predicament before you file for bankruptcy.  This is the Initial Analysis.

Create a Customized Plan: The next step in the process is formulating the Plan for each individual’s financial recovery.  The key to any successful case is a plan that precisely fits the needs and problems in each client’s circumstances.  No two cases are entirely the same.  Perfect plans require analysis and long-term experience with successful plans that have produced decades of financial recovery for each and every individual case.  We’ve completed over 15,000 cases. 

Perfect the Case to File for Bankruptcy Court: The third step in the process is immediate relief from creditors with the prompt and thorough submission of your individual case.  In our office, all collection calls are immediately referred to our office, all collection actions against you are halted and any lawsuits are monitored to be eliminated in the short future.  We like to have an in-depth first draft of your entire case within the first week of our retention.  Creating a client’s Document Checklist and collecting perfect documentation is a critical step to assuring the best possible outcome and the predictability of a perfectly filed case.  Cases with higher income families will need a Means Test to determine eligibility under Chapter 7 or Chapter 13.

Discharging Debt In Bankruptcy

“What types of debts can be discharged in bankruptcy?” This is one of the most common questions asked by people we discuss debt relief with every day. And it’s a very good question!

Unsecured debt, as listed below, can be discharged in Chapter 7 bankruptcy or modified under Chapter 13. Tax debts can be eliminated or modified. The proper use of bankruptcy to discharge your unsecured debt allows you and your family the disposable income necessary to repay more important debt obligations, such as your mortgage, rent and car payment. It also allows you to reallocate limited financial resources to rebuild your financial future with the stability necessary for long-term financial security.

Unsecured debt is dischargeable in bankruptcy, and is any of the following:

• Credit card debt
• Divorce debt (properly utilized, Chapter 13 can alter certain divorce provisions)
• Foreclosure deficiencies
• Tax debt (depending on several factors)
• Medical debt
• Gambling debt
• Co-signed and joint debts
• Repossession deficiencies
• Pay day loan debt
• Personal loans
• Business debt
• Personal guarantees

Secured Debt consists of mortgages, car loans and certain business loans.  While secured debt cannot be eliminated in all bankruptcy cases, it can be modified or reduced, depending on the Chapter of bankruptcy and the type and value of the secured assets.  Mortgages, liens, attachments and garnishments are all forms of secured debt that can be eliminated or modified in bankruptcy filings.

With the assistance and knowledge of our debt relief lawyers at The Law Offices of Neil Crane, you can benefit from the opportunities available under the law to discharge your burdensome debt load with a well-planned, well-informed strategy that is the best possible resolution in your particular situation. Discharging debt through Chapter 7 bankruptcy will allow you to completely eliminate these debts and gain a financial fresh start.

Finding a Bankruptcy to Fit Your Needs

Every financial problem is different, and every type of bankruptcy is unique. We take a comprehensive, holistic approach to our clients’ debt issues based upon years of work and thousands of successful cases before we file for bankruptcy. We will work with you to understand the full extent of your debts, your income and your goals for the future. That way, we can help you select the type of bankruptcy that best meets your needs such as:

Chapter 7 Bankruptcy is the most common form of bankruptcy relief.  It discharges or eliminates a creditor’s rights to collect from individuals while stopping collection actions, foreclosures, and lawsuits.

Chapter 13 Bankruptcy is the most comprehensive form of individual bankruptcy relief, allowing for the elimination or modification of all types of debt, secured or unsecured, through a customized Chapter 13 Plan of Reorganization.

Chapter 11 Bankruptcy is primarily utilized by businesses seeking creditor protection and a Plan of Reorganization that provides future financial success.

Bankruptcy Tax Solutions:

• Chapter 7 bankruptcy tax relief so you can get a fresh start and discharge older taxes and unsecured debts
• Chapter 13 bankruptcy tax relief to help you eliminate older tax debt and create a three- to five-year payment plan for all types of taxes
• Chapter 11 bankruptcy tax relief for businesses to reorganize their taxes and other debts
• Chapter 20 tax relief, which uses both Chapter 7 and Chapter 13 to maximize your debt relief

We also have the knowledge and experience to help you stop and remove tax liens, levies, garnishments and seizures.

Qualifying for Debt Discharge

Under the Bankruptcy Law, particularly Chapter 7, people seeking relief under Bankruptcy now must qualify to enjoy the total benefit of fully discharged debt. Our Bankruptcy experience will assure that you get the best possible chance to qualify for full debt relief under the Bankruptcy Law in order to provide you and your family with the most complete discharge of all debt. We work to make the most difficult cases yield the greatest debt relief possible under the law.  We create solutions where other lawyers can’t.

To maximize your chances for total debt relief, you need to rely on counsel that is fully specialized and knowledgeable in the intricacies of the “Median Income” and “Means Testing Requirements of the Bankruptcy Law. Through hard work and the assistance of good clients, we have navigated through the new income requirements and successfully completed more than 5,000 Connecticut cases since the new law began. At the Law Offices of Neil Crane, we’ve used our hard work and dedication to become the largest providers of debt relief in Connecticut.

The Automatic Stay

When you file for bankruptcy, an automatic stay goes into effect. This stay puts a stop to all collection actions, lawsuits and foreclosures against you. This includes all collection efforts by the IRS or DRS such as:

• Wage garnishment
• Seizure of assets
• Foreclosures
• Liens on property
• Civil actions to collect tax debts

All creditors you declare as part of your bankruptcy will be barred from pursuing compensation from you during the bankruptcy process. It will stop all phone calls from creditors or other debt collection practices. This gives you the breathing room to assess your financial situation and create a plan to eliminate or affordably reorganize tax debts and other obligations.

Tax Debt Treatment in Bankruptcy

All personal taxes, whether they are federal, state or local, are subject to modification in bankruptcy. This means that you will be able to eliminate or create payment plans and payment restructuring for all types of taxes. As skilled practitioners, we can help you develop a plan to get your tax debt under control. In addition to all the options available under Bankruptcy Law, we have assisted clients with offers in compromise, installment agreements and other tax solutions at every level.

Why Choose Us to File for Bankruptcy

At The Law Offices of Neil Crane, we offer an attorney-driven debt relief program that has provided solutions for thousands of Connecticut residents since 1983. With six attorneys and a combined experience of over 100 years, our dedicated professionals know what has worked in the past and the current status of the most recent developments in consumer debt protection. Put our knowledge and experience to work for you and your family. We’ve provided financial futures for thousands of families since 1983 and it will work for you, too.

We employ a program of careful and complete analysis with industry-best preparedness and persistent advocacy on behalf of our thousands of Connecticut success stories since 1983.  Based on our state-wide reputation and experience, your creditors will immediately respond with a new and more negotiable attitude from the first moment we become involved on your behalf. We use our experience to create a customized program based on Analysis, Preparation and Advocacy before we file for bankruptcy.

• ANALYSIS: Obtaining the best results requires the experience and dedication to properly analyze a client’s budget and debt relief needs. We offer all clients an unlimited initial consultation with an experienced attorney at no charge. This will produce a proper and proven game plan, customized to your income and debt relief needs.
• PREPARATION: We combine our knowledge of the law along with our experience to fully prepare to do battle on your behalf. We know that creating a properly prepared plan is the key to forcing creditors into a debt relief plan that will really work for you. Taking control away from creditors and empowering you as a borrower is critical to your long-term success. We don’t wait for their solutions, but instead create solutions and back them with the facts, figures, evidence and documentation to effectuate your our customized debt relief plan.
• ADVOCACY: Once we’ve properly evaluated, authorized and prepared the proper plan for your success, we use our knowledge and experience to strongly advocate for a debt solution that works permanently for you. In over 15,000 cases, we’ve built a reputation for thoroughness and endless persistence on behalf of our clients.

Creditors, debt collectors and their attorneys know and respect our work. These hard-earned long-term relationships put our reputation to work for you. No creditor can match our persistence or our endless commitment to our clients and our debt relief solutions.

Contact a Connecticut Bankruptcy Attorney

We offer a free initial consultation to help you determine your eligibility and evaluate the proper path in your unique situation.  Call us today at 203-230-2233 or complete our online contact form.  When you call us, you will always speak to an attorney.  We do not use voicemail.  We are committed to providing excellent service and legal protection.

Find out more about What happens after Bankruptcy

What are the Different Types of Debt Relief and Bankruptcy?

Mar 16, 2020 | Bankruptcy Process

First you need to understand the types of Debt to understand what different types of Debt relief is available.

Unsecured Debt vs. Secured Debt

A secured loan, usually for a vehicle or property (e.g. mortgage), is a loan in which collateral (the car or the house) is pledged to secure the loan. If a borrower defaults or somehow violates a contractual obligation under these secured loans, the lender may repossess the asset, unless the borrower has bankruptcy protection. By contrast, an unsecured loan is not connected to any asset and can be eliminated through a properly prepared and filed Chapter 7 bankruptcy with no loss of any assets.

If you continue to struggle and find yourself falling behind on minimum payments on high-interest unsecured debt like credit cards, you need to seek the advice of a professional who knows all the avenues and legal options that provide unsecured debt relief and financial futures for individuals, families and small businesses throughout Connecticut.

Eliminating or reducing unsecured debt makes paying on more important secured debt affordable – it saves homes and cars from loss to foreclosure or repossession.

Bankruptcy Debt Relief When You Need A Fresh Financial Start

Chapter 7, Chapter 11 and Chapter 13 bankruptcy filings are different types of debt relief which provides an automatic stay to halt liens, levies, garnishments, lawsuits or collection actions. The bankruptcy filing also relieves you or your business of various types of unsecured debt while re-working secured debt and all types of tax debt.

When your bills become overwhelming, proper bankruptcy advice from an experienced and specialized attorney can relieve you and your business from all types of unsecured and secured debt and credit card dependence. Any high interest debt can destroy your debt-to-income ratio and threaten essential possessions like cars and homes.

Asset Protection and Debt Relief Through Bankruptcy

If you’re facing overwhelming debt or other unpaid obligations, or even lawsuits, our bankruptcy attorneys can protect your assets from repossession, garnishments, liens or all other forms of collection actions. Through prompt and experienced use of bankruptcy laws, we can provide you with full unsecured and secured debt relief in order to protect your most important assets. All our bankruptcy cases protect your assets.

To learn more, read our article on How to File for Bankruptcy.

Can I Avoid Bankruptcy?

No one ever sets out to file bankruptcy as a first option. Many people try to work harder or fall prey to solicitations from outside companies for miracle cures, wasted pensions, consolidation scams and high interest consolidation loans.  At The Law Offices of Neil Crane, we have talked with thousands of people who wished to avoid bankruptcy. With the help of our Hamden, Connecticut, law firm, we are able to create all types of debt relief solutions for our clients. We help them solve their financial problems and find financial health again.

Avoiding bankruptcy is often not easy but with sound financial decisions, thousands of clients take the necessary legal steps, create a budget and stick with it. As lawyers who care about our clients’ well-being, we often recommend these solid practices:

• Budget: Learn your monthly break-even, where income meets expenses. Don’t borrow money on credit cards unless you can pay the balance in full before the end of the month.  Carrying a credit card balance is the number one cause of financial distress, including lost cars and home foreclosures.
• Don’t become enamored with your FICO score: Your credit score is not as important to financial security as your bank account balance.
• Avoid second mortgages: To avoid bankruptcy, your home should never be used as a bank.Don’t borrow against our house.
• Reduce debt: The best way to reduce debt is to make payments on debt principal.  Just servicing debt won’t work.
• Seek help sooner rather than later: If you can’t solve the problem on your own or by just working harder, seek our advice.  The success rate for people who seek financial help early on is greater than for those who wait. It is never too early to talk with a lawyer about debt help. We recommend that you contact us at 203-230-2233 before your situation is critical.

Unfortunately, many people who visit our Web site are already facing difficult times. Many have been scammed by credit consolidation companies. Many more do not want to consider bankruptcy because of fear. It is scary, but your financial future is worth seeking the advice of experienced professionals right here in Connecticut.

When Bankruptcy is Unavoidable

Sometimes people face bankruptcy for reasons completely beyond their control. They experience a job loss, extensive medical bills due to an illness, or a divorce that forced the resources that previously supported only one household to now support two.

In these situations, Chapter 7 and Chapter 13 bankruptcy may be a good option for restoring financial health. At The Law Offices of Neil Crane, we guide you through the process so that you are well prepared to achieve the best possible results — moving forward and building a successful life after bankruptcy. Bankruptcy works for many Connecticut families.

Schedule an Appointment With Us

Our lawyers, paralegals, and support staff are committed to helping you avoid bankruptcy. For this reason, we work around your schedule. We offer flexible office hours on evenings and weekends by appointment. We can also meet with you at other convenient locations besides our Hamden, Connecticut, law office.

We offer a free consultation regarding debt reduction. Please do not hesitate to call us today at 203-230-2233, or complete our online contact form to discuss your questions and concerns with an experienced attorney. Understand when you should talk to a lawyer in our article.

When should you talk to a Bankruptcy Attorney?

Mar 16, 2020 | Bankruptcy Process