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Chapter 7 Bankruptcy Lawyer, Meriden CT

Chapter 7 bankruptcy lawyers in Meriden, CTThe Law Offices of Neil Crane is the largest provider of Chapter 7 bankruptcy relief in Connecticut.  We’ve provided top rated Chapter 7 bankruptcy protection in Meriden, CT since 1983.  For many of our hardworking Meriden residents, perfect Chapter 7 filings have produced solid and lasting financial recoveries for overwhelming debt.  Seeking help from a Meriden, CT Chapter 7 bankruptcy lawyer can be a scary process but you just need to make a call to our offices to learn all the facts that make Chapter 7 bankruptcy relief the perfect path to a new financial future.  In the hands of our experienced bankruptcy attorneys, we can assure that your Chapter 7 will be granted in full.  Your Chapter 7 case will eliminate all forms of consumer debt while protecting all your assets and a true fresh start.

What Debts Can Be Eliminated in Chapter 7:

Chapter 7 bankruptcy protection stops all collection efforts of any kind by providing an immediately granted federal protection called an “automatic stay.”  The automatic stay stops all efforts to collect in any stage of the collection process from phone calls to all lawsuits at whatever stage in the legal process.  It is a federal law that overrides all other laws, including tax warrants and even student loan collection activity or lawsuits.

Chapter 7 stops all of the following actions:

  1. Collection calls
  2. Wage executions
  3. Lawsuits
  4. Garnishments
  5. Foreclosures
  6. Evictions
  7. Bank account levies
  8. Federal tax collections
  9. State tax collections
  10. Liens, levies or seizures
  11. All other forms of collection actions against individuals

As Chapter 7 bankruptcy lawyers in Meriden, CT, we’ve filed thousands of successful cases for our Meriden, CT clients for over 35 years.  Chapter 7 provides the fullest amount of unsecured debt relief by eliminating debts in full with no requirement of repayment; including:

  • Credit card bills
  • Personal loans
  • Lawsuit judgments
  • Personal guarantees
  • Co-sign loans
  • Car repossessions
  • Co-maker debts
  • Car taxes over one year old
  • Utility bills
  • Medical bills

Chapter 7 has eligibility requirements in order for your lawyer to properly qualify your case for the full debt relief provided by a Chapter 7 filing.  At the Law Offices of Neil Crane, we provide the fullest eligibility for Chapter 7 bankruptcy relief in Meriden, CT by understanding all of the technical rules and customs gained by producing complete debt relief under Chapter 7 bankruptcy.

Qualifying for Chapter 7 Bankruptcy in Meriden, CT

The primary elements to obtain full Chapter 7 relief are asset protection and income qualifications.

Income Qualification for Chapter 7 is determined in accordance with family size on your last year’s tax return or the number of people actually residing in your home.  To meet Chapter 7 income requirements, you need to pass a “means test” or have a total gross household income from all sources over six months (X2) below the applicable numbers in Connecticut:

  • Family of 1 $69,249
  • Family of 2 $90,200
  • Family of 3 $103,544
  • Family of 4 $130,900

Families over four get an additional $9,000 per person.  These numbers are subject to six-month adjustments so the precise numbers can change.

Means testing is another avenue to Chapter 7 eligibility, based upon family size and net income over six months (X2).  Means Testing can qualify you for Chapter 7 relief, even if your income exceeds the Median Income guidelines as listed above.  This is a complicated but important skill for any Chapter 7 bankruptcy attorney in Meriden.  All expert Chapter 7 bankruptcy attorneys need to understand all the nuances of Chapter 7 means testing in order to provide you with the greatest opportunity to file for Chapter 7 for unsecured debt relief.  Expert means testing assures the widest Chapter 7 income coverage.

At the Law Offices of Neil Crane, you’ll get the most experienced Chapter 7 bankruptcy means testing debt relief available under the law.  To learn how we qualify high income individuals and families for Chapter 7 bankruptcy relief, call us for a free consultation about your case.  Attorney Crane will answer your call and questions directly and always offers a free consultation to meet or speak with you about your Meriden, CT Chapter 7 bankruptcy case or any other questions about debt relief.  Call us at 203-686-1080.

Chapter 7 Asset Protection and Bankruptcy Exemptions

Contrary to many myths about bankruptcy, Chapter 7 bankruptcy should never result in the loss of any assets.  Chapter 7 bankruptcy saves what you own and gets rid of what you owe.  All properly prepared, filed and discharged bankruptcy cases we craft as Meriden, CT Chapter 7 bankruptcy attorneys extinguish debt while protecting assets from collections, lawsuits and other bills.

Bankruptcy law is intended to provide protections for all the assets that are helpful to a solid recovery.  Your home and your personal property are protected for your future while your debts are extinguished to provide you with a financial fresh start.

Chapter 7 protects:

  • Homes
  • Cars
  • Personal belongings
  • Divorce Decrees
  • Bank accounts
  • Tax refunds
  • Pension money
  • Social Security money
  • Personal injury suits
  • Worker’s Compensation
  • Many other assets

To learn what rights you have that banks don’t want you to know, get educated.  Call us at 203-686-1080 for a free consultation and a full analysis of your personal situation, along with a review of all the options that may be available to you.  We are always happy to take your call, and you will always speak directly with an attorney.  We never use voicemail.