# Lawrence & Jurkiewicz, LLC > Attorneys At Law ## Pages - [Client Forms](https://peterlawrencelaw.com/client-forms/): Access and download essential client intake forms from our Hartford bankruptcy attorneys. Complete the required information to help us understand your case and get started. - [Service Areas](https://peterlawrencelaw.com/service-areas/): Experienced West Hartford bankruptcy lawyer helping individuals and families explore debt relief options, including Chapter 7 and Chapter 13 bankruptcy. Contact Peter Lawrence Law today. - [Chapter 7 Bankruptcy](https://peterlawrencelaw.com/practice-areas/chapter-7-bankruptcy/): If you’re weighed down by significant debt, learn how you can start fresh with a Hartford Chapter 7 bankruptcy lawyer at Lawrence & Jurkiewicz, LLC. - [Chapter 13 Bankruptcy](https://peterlawrencelaw.com/practice-areas/chapter-13-bankruptcy/): Filing for bankruptcy may seem intimidating, but a Hartford Chapter 13 bankruptcy attorney clarifies the process. Contact Lawrence & Jurkiewicz, LLC. - [Make a Payment](https://peterlawrencelaw.com/make-a-payment/): Easily and securely manage your payments online with Lawrence & Jurkiewicz, LLC. Consult with our Bloomfield bankruptcy lawyer now. - [Peter Lawrence](https://peterlawrencelaw.com/about-peter-lawrence-law/): Peter Lawrence is an experienced Hartford bankruptcy attorney committed to helping his clients reach a brighter future. He is backed by years of quality representation and is prepared to help you through your legal issue. - [Accessibility Notice](https://peterlawrencelaw.com/accessibility-notice/): Lawrence & Jurkiewicz, LLC provides an accessible and inclusive online experience for all visitors. Contact our Hartford bankruptcy attorneys today. - [Bankruptcy](https://peterlawrencelaw.com/practice-areas/bankruptcy/): The idea of filing for bankruptcy can be intimidating, but Lawrence & Jurkiewicz, LLC makes the process manageable. Contact our Bloomfield bankruptcy lawyer for assistance. - [Real Estate](https://peterlawrencelaw.com/practice-areas/real-estate/): Lawrence & Jurkiewicz, LLC helps individuals resolve complex legal matters. Contact our Hartford real estate lawyer for a consultation. - [Foreclosure](https://peterlawrencelaw.com/practice-areas/foreclosure/): Facing foreclosure is immensely stressful, but with the help of Hartford foreclosure attorneys, you can protect your home. Contact Lawrence & Jurkiewicz, LLC. - [Privacy Policy](https://peterlawrencelaw.com/privacy-policy/): Lawrence & Jurkiewicz, LLC is committed to upholding your privacy. Contact our East Hartford debt relief attorney now. - [Case Results](https://peterlawrencelaw.com/case-results/): Lawrence & Jurkiewicz, LLC has a proven track record of success. See how our Hartford foreclosure lawyer has helped clients achieve favorable outcomes. - [Practice Areas](https://peterlawrencelaw.com/practice-areas/): At Lawrence & Jurkiewicz, LLC, we provide a range of West Hartford bankruptcy legal services to help clients resolve their debt and move forward. - [Reviews](https://peterlawrencelaw.com/reviews/): At Lawrence & Jurkiewicz, LLC, ou East Hartford bankruptcy lawyers have successfully resolved many legal matters. Read reviews from past clients. - [Home](https://peterlawrencelaw.com/): Bankruptcy is one of the most difficult decisions a person can face. Let a West Hartford bankruptcy lawyer at Lawrence & Jurkiewicz, LLC be your trusted legal representation to get through life's hardest financial situations. - [Blog](https://peterlawrencelaw.com/blog/): Stay informed with legal insights, tips, and updates from the Hartford debt relief attorneys at Lawrence & Jurkiewicz, LLC. - [Contact Us](https://peterlawrencelaw.com/contact-us/): Legal matters can be stressful. Reach out to the New Britain bankruptcy attorney at Lawrence & Jurkiewicz, LLC for guidance. - [Thank You](https://peterlawrencelaw.com/thank-you/): Thank you for contacting the Bloomfield bankruptcy attorneys at Lawrence & Jurkiewicz, LLC. We'll get in touch shortly. - [Ajax Form](https://peterlawrencelaw.com/ajax-form/): Quickly and securely connect with the East Hartford Chapter 7 attorneys at Lawrence & Jurkiewicz, LLC using our streamlined Ajax form. ## Posts - [Is It Possible to Prevent Foreclosure on Your Home?](https://peterlawrencelaw.com/is-it-possible-to-prevent-foreclosure-on-your-home/): Facing foreclosure is immensely stressful. Lawrence & Jurkiewicz, LLC, helps you build a strategy to protect your home. - [Bankruptcy and Small Businesses: What Entrepreneurs Need to Know](https://peterlawrencelaw.com/bankruptcy-and-small-businesses-what-entrepreneurs-need-to-know/): Discover ways the bankruptcy process can help a struggling business. Consult a Hartford bankruptcy lawyer at Lawrence & Jurkiewicz, LLC for legal support for your situation. - [Understanding the Important Role of the Bankruptcy Trustee](https://peterlawrencelaw.com/understanding-the-important-role-of-the-bankruptcy-trustee/): Learn about the role of the bankruptcy trustee and their authority over the case from an East Hartford bankruptcy attorney at Lawrence & Jurkiewicz, LLC. - [Life After Bankruptcy: Rebuilding Credit and Financial Health](https://peterlawrencelaw.com/life-after-bankruptcy-rebuilding-credit-and-financial-health/): Bankruptcy can provide relief, but it's not the end. It's the start of rebuilding. Consult a New Britain bankruptcy lawyer from Lawrence & Jurkiewicz, LLC to start your journey. - [The Emotional Undertow of Bankruptcy: Rising Above the Current](https://peterlawrencelaw.com/the-emotional-undertow-of-bankruptcy-rising-above-the-current/): A Bloomfield bankruptcy attorney from Lawrence & Jurkiewicz, LLC shares how understanding the emotional journey, seeking support and arming yourself with knowledge helps you through. - [The Basics of Bankruptcy: An Introduction for Beginners](https://peterlawrencelaw.com/the-basics-of-bankruptcy-an-introduction-for-beginners/): Bankruptcy is complex and technical. It's crucial to consult with a West Hartford bankruptcy attorney, such as ours at Lawrence & Jurkiewicz, LLC, for help with your situation. - [The Contract 1.0](https://peterlawrencelaw.com/contract-1-0/): Learn about real estate contracts from a Hartford foreclosure lawyer at Lawrence & Jurkiewicz, LLC and why consulting with a lawyer can be critical in this process. - [First Thing I Would Do If I Were Buying a House](https://peterlawrencelaw.com/first-thing-buying-house/): In the market for a new house? A New Britain debt relief lawyer from Lawrence & Jurkiewicz, LLC shares insights about the team to assemble when buying a house. ## City-State - [New Milford Chapter 7 Bankruptcy Lawyer](https://peterlawrencelaw.com/citystate/new-milford-chapter-7-bankruptcy-lawyer/): Lawrence & Jurkiewicz, LLC is your trusted New Milford Chapter 7 Bankruptcy Lawyer for comprehensive debt relief. Schedule your consultation today to protect your assets and regain financial freedom. - [Hartford, CT](https://peterlawrencelaw.com/citystate/hartford-ct/): Bankruptcy Attorney - [Hartford Bankruptcy Attorney](https://peterlawrencelaw.com/citystate/hartford-bankruptcy-attorney/): If you're struggling with debt, the Hartford bankruptcy attorney at Lawrence & Jurkiewicz, LLC offers a free initial consultation to discuss a path forward. # # Detailed Content ## Pages > Access and download essential client intake forms from our Hartford bankruptcy attorneys. Complete the required information to help us understand your case and get started. - Published: 2026-04-02 - Modified: 2026-04-02 - URL: https://peterlawrencelaw.com/client-forms/ Get Started with Your Case Our Hartford bankruptcy attorneys provide convenient access to client intake forms to help you get started with your case. These downloadable questionnaires are designed to gather important financial and personal information so our team can better understand your situation and prepare for your consultation. Complete the form that applies to your needs and submit it as directed to move forward with confidence. Download Forms Bankruptcy Intake Questionnaire > Experienced West Hartford bankruptcy lawyer helping individuals and families explore debt relief options, including Chapter 7 and Chapter 13 bankruptcy. Contact Peter Lawrence Law today. - Published: 2025-09-29 - Modified: 2025-12-16 - URL: https://peterlawrencelaw.com/service-areas/ Areas We Serve Attorney Peter Lawrence Proudly Represents Clients in Hartford County, Connecticut Hartford County Hartford East Hartford New Britain Bloomfield West Hartford Schedule a Free Consultation > If you’re weighed down by significant debt, learn how you can start fresh with a Hartford Chapter 7 bankruptcy lawyer at Lawrence & Jurkiewicz, LLC. - Published: 2025-07-11 - Modified: 2025-07-31 - URL: https://peterlawrencelaw.com/practice-areas/chapter-7-bankruptcy/ Hartford Chapter 7 Bankruptcy Lawyer Financial hardship is immensely stressful. When you're facing significant debt, you may believe these burdens will follow you for life. Fortunately, individuals in Connecticut have opportunities to relieve their debts. At Lawrence & Jurkiewicz, LLC, we provide informed legal assistance to guide you through the process of filing for Chapter 7 bankruptcy. Known as “liquidation bankruptcy,” Chapter 7 offers a fresh financial start by relieving you of most, if not all, unsecured debts. Our experienced team works diligently to make the process as smooth and stress-free as possible for you. What Is Chapter 7 Bankruptcy? Chapter 7 bankruptcy is a legal process that helps individuals discharge certain types of debt, giving them a clean slate to rebuild their financial stability. This form of bankruptcy is particularly beneficial for eliminating some unsecured debts, such as: Credit card debt Medical bills Personal loans For many, the term "bankruptcy" brings to mind fears of losing everything, but this is often far from the reality. Most Chapter 7 cases in Connecticut are “no-asset” cases, meaning clients can retain most or all of their essential assets while discharging their debts. Our goal at Lawrence & Jurkiewicz, LLC is to position your case for the best possible outcome, helping relieve you from financial stress without unnecessary sacrifices. Understanding Eligibility for Chapter 7 Eligibility for Chapter 7 bankruptcy is determined through an income-based test. Connecticut residents must compare their “current monthly income” to the state’s median income level, which is adjusted periodically.... > Filing for bankruptcy may seem intimidating, but a Hartford Chapter 13 bankruptcy attorney clarifies the process. Contact Lawrence & Jurkiewicz, LLC. - Published: 2025-07-11 - Modified: 2026-04-17 - URL: https://peterlawrencelaw.com/practice-areas/chapter-13-bankruptcy/ Hartford Chapter 13 Bankruptcy Attorney If you're overwhelmed with debt, Chapter 13 bankruptcy may offer a way forward. By restructuring your debts into manageable payments, Chapter 13 allows you to regain control of your finances while protecting your assets. Lawrence & Jurkiewicz, LLC helps clients understand their options for discharging debt. Let us help you determine if Chapter 13 is right for you. We're here to guide you to a more stable financial future. What Is Chapter 13 Bankruptcy? Chapter 13 bankruptcy, or a wage earner reorganization, is designed to help individuals address their debts while keeping their property. Unlike Chapter 7, which involves liquidating assets, Chapter 13 utilizes a structured repayment plan that typically spans three to five years. This option is particularly useful for those looking to address past-due mortgage payments, car loans, taxes, or other secured debts, while discharging many unsecured debts, such as personal loans and credit card bills, after completing the repayment plan. By filing for Chapter 13 bankruptcy, you retain ownership of your assets, including your home and car, as long as you meet repayment obligations. The process prioritizes creating a repayment strategy aligned with your income and expenses, offering a tailored path to financial stability. Eligibility for Chapter 13 Bankruptcy Chapter 13 bankruptcy is available to those with a regular source of income. Unique to this option, eligibility is determined by debt limits rather than income. As of 2025, unsecured debts must fall below $526,700, and secured debts must not exceed $1,580,125. Additionally,... > Easily and securely manage your payments online with Lawrence & Jurkiewicz, LLC. Consult with our Bloomfield bankruptcy lawyer now. - Published: 2025-07-09 - Modified: 2025-07-31 - URL: https://peterlawrencelaw.com/make-a-payment/ How Can I Make a Payment? If you have any questions regarding your payment, feel free to reach out to our office at 860-202-8330. Select a Payment Method: Venmo Cash App Zelle Venmo To pay via Venmo, please send to @Peter-Lawrence-31. Cash App We accept payments via Cash App. Please send to $PLawrence03. Zelle Payments via Zelle are accepted. Please send to plawrence@peterlawrencelaw. com. > Peter Lawrence is an experienced Hartford bankruptcy attorney committed to helping his clients reach a brighter future. He is backed by years of quality representation and is prepared to help you through your legal issue. - Published: 2025-06-25 - Modified: 2025-07-31 - URL: https://peterlawrencelaw.com/about-peter-lawrence-law/ About Peter Lawrence As a lawyer concentrating on consumer bankruptcy and real estate, Attorney Peter Lawrence helps people through some of their most important financial decisions. His direct yet non-judgmental style puts clients at ease. With many years of professional experience, he’ll give you a thorough understanding of your options and help you choose the best course of action for your goals. You’ll feel confident that you’ve made the right choice. Originally from Manchester, Attorney Lawrence attended college in Worcester, Massachusetts, and graduated from Clark University. Before becoming a lawyer, he earned his real estate broker’s license and worked in real estate in Massachusetts. After attending Rutgers University School of Law-Camden, where he was a law review editor, Attorney Lawrence returned to Connecticut to serve as a judicial law clerk in the Connecticut Superior Court. Attorney Lawrence first practiced commercial litigation at the Hartford firm of Cohn & Birnbaum, P. C. He took a hiatus from practicing law to develop a number of real estate opportunities, then returned to private practice in litigation and real estate with Murphy, Laudati & Kiel, P. C. He joined with Attorney Edward P. Jurkiewicz to form Lawrence & Jurkiewicz, LLC in 2003, and now enjoys his private client work in consumer bankruptcy and real estate. Flexible Access To Professional Advice Everyone deserves quality legal assistance, but not everyone who thinks they need it truly does. To avoid spending money that you don’t have to, we offer a FREE* initial consultation. All it takes is... > Lawrence & Jurkiewicz, LLC provides an accessible and inclusive online experience for all visitors. Contact our Hartford bankruptcy attorneys today. - Published: 2025-06-25 - Modified: 2025-07-31 - URL: https://peterlawrencelaw.com/accessibility-notice/ Accessibility Notice We are continually improving our online services to better meet the needs of all individuals. Providing a barrier-free environment on our website which is accessible to all users is important to us. To this end, we have updated and tested this website and its elements to be compliant with the Web Content Accessibility Guidelines (WCAG) 2. 0 as accepted and published by the World Wide Web Consortium (W3C). This website has been designed to be viewable and navigable by non-graphical text-only browsers. The coding implemented in the site and its elements are compliant with W3C standards for CSS and HTML. All current web browsers should be capable of displaying the site correctly and our developers strive to use code that will also support future browser requirements as the web continues to evolve. In certain situations, due usually to changes to technology, changes to standards, practical limitations or third-party code, complete accessibility, usability and compatibility may not be immediately available. To address such potential situations and provide a better user experience, this website is periodically audited for compatibility issues and compliance with current standards and guidelines. When issues are reported and remain outstanding, they will be documented in a changelog for visitors to review. This changelog will include a brief description of the issue, the date it was reported as well as an anticipated resolution timeframe. Minor deficiencies that do not impact navigation or site use but cannot be immediately resolved will be included as a courtesy to users.... > The idea of filing for bankruptcy can be intimidating, but Lawrence & Jurkiewicz, LLC makes the process manageable. Contact our Bloomfield bankruptcy lawyer for assistance. - Published: 2025-06-24 - Modified: 2026-04-17 - URL: https://peterlawrencelaw.com/practice-areas/bankruptcy/ Hartford Bankruptcy Attorney Bankruptcy can help you, depending on your circumstances, by: Discharging (cancelling) your debts Stopping wage garnishments Preventing bank executions Stopping creditor harassment Stopping foreclosure Don’t be deceived by ads promising to cut your debt in half or foreclosure rescue schemes. Why not take advantage of a free initial consultation for most bankruptcy-related matters? We handle consumer bankruptcy cases under Chapters 7 and 13. We carefully evaluate each prospective client’s problems and patiently explain your options in terms you will understand, not legalese. Bankruptcy law is far more complex than most people realize. Your interests will be served best by consulting an experienced attorney. I have over 30 years of practice experience. Bankruptcy is not the proper remedy for everyone, however, and when that’s the case, we will say so. There may be other and better options for your particular situation. We also help people with litigation matters, foreclosure mediation, loan workouts, and other possible alternatives. Consumer Protection Are you being harassed by endless phone calls from debt collectors? Has anyone made threats such as: Threatening to contact your employer? Threatening to send a marshal or the police, or have you arrested? Telling you that you’ve committed a crime? Using abusive or threatening language? Making collection calls to you early in the morning or late at night? Calling your neighbors, friends, relatives, or employer repeatedly? Both state and federal debt collection laws protect consumers from these types of collection activities. There are rules governing what original creditors and... > Lawrence & Jurkiewicz, LLC helps individuals resolve complex legal matters. Contact our Hartford real estate lawyer for a consultation. - Published: 2025-06-24 - Modified: 2025-07-31 - URL: https://peterlawrencelaw.com/practice-areas/real-estate/ Hartford Real Estate Attorney I know what’s important to you in your real estate transaction. In a word: Closing! You want a real estate attorney who will help you complete your transaction in the shortest possible time, and with the fewest bumps in the road. With over 30 years of experience, I can get you there. My experience in real estate is not limited to being a lawyer; I have also been a licensed agent, a developer, and a landlord. With this history, I understand all sides of a real estate transaction. If you have a real estate matter, chances are I can handle it for you. My real estate legal services include: Contract review and negotiation Purchases Sales Refinances Home Equity Conversion Mortgages (HECM), also known as reverse mortgages Leasing and landlord/tenant matters Real estate disputes and litigation Construction issues Land use issues Whether you are purchasing your first home or you’re an old hand at real estate, an experienced real estate attorney can provide essential guidance through your transaction. Unfortunately, the current real estate market is beset with problems. I also represent property owners in modifications, short sales, and other workout options. I am well-versed in the current alphabet soup of foreclosure prevention programs, such as HAMP, HAFA, SSA agreements, and the like. Frequently Asked Questions You may be a first-time home buyer, or maybe you’ve got plenty of real estate experience. Either way, here’s some basic information about your real estate purchase, sale, or refinance that you... > Facing foreclosure is immensely stressful, but with the help of Hartford foreclosure attorneys, you can protect your home. Contact Lawrence & Jurkiewicz, LLC. - Published: 2025-06-24 - Modified: 2025-07-31 - URL: https://peterlawrencelaw.com/practice-areas/foreclosure/ Hartford Foreclosure Lawyer Facing foreclosure is incredibly difficult and emotional for homeowners. The possibility of losing your home is undeniably one of the most stressful and traumatic experiences in life. However, know that foreclosure is not inevitable. Acting quickly with an attorney can increase the chances of a favorable outcome. At Lawrence & Jurkiewicz, LLC, we understand the fear and uncertainty that can accompany financial difficulties. Our experienced attorney can help you explore options, such as Chapter 13 bankruptcy, that allow you to keep your home. Options to Avoid Foreclosure When faced with foreclosure, many homeowners feel trapped, believing there’s no way to save their property. At Lawrence & Jurkiewicz, LLC, we want you to know that options exist and that losing your home doesn’t have to be the answer. Solutions like mortgage modifications or state-funded assistance programs are often available, depending on your circumstances. Additionally, filing for bankruptcy, including Chapter 13, can offer a structured path to avoid foreclosure and regain control of your financial situation. How Chapter 13 Bankruptcy Can Help For Connecticut homeowners, Chapter 13 bankruptcy can serve as a lifeline when foreclosure is imminent. Filing for Chapter 13 not only halts the foreclosure process but also creates a repayment plan, enabling you to catch up on missed payments while keeping your home. This type of bankruptcy is particularly useful for borrowers who have experienced a temporary setback, such as job loss or unexpected medical bills, and now have the income to move forward. The Automatic Stay... > Lawrence & Jurkiewicz, LLC is committed to upholding your privacy. Contact our East Hartford debt relief attorney now. - Published: 2024-06-13 - Modified: 2025-07-31 - URL: https://peterlawrencelaw.com/privacy-policy/ Privacy Policy This Privacy Policy describes the policies of this website on the collection, use and disclosure of your information that we collect when you use our website (the “Service”). By accessing or using the Service, you are consenting to the collection, use and disclosure of your information in accordance with this Privacy Policy. If you do not consent to the same, please do not access or use the Service. We may modify this Privacy Policy at any time without any prior notice to you and will post the revised Privacy Policy on the Service. The revised Policy will be effective 180 days from when the revised Policy is posted in the Service and your continued access or use of the Service after such time will constitute your acceptance of the revised Privacy Policy. We therefore recommend that you periodically review this page. Information We Collect: We may collect and process any the following personal information about you including but not limited to: Name Email Mobile Social Media Profile Date of Birth Address Work Address Payment Info How We Collect Your Information: We collect/receive information about you in the following manner: When a user fills up the registration form or otherwise submits personal information Interacts with the website From public sources How We Use Your Information: We may use the information that we collect about you for the following purposes, including but not limited to: Marketing/ Promotional Testimonials Customer feedback collection Processing payment Support Administration info Targeted advertising Site protection... > Lawrence & Jurkiewicz, LLC has a proven track record of success. See how our Hartford foreclosure lawyer has helped clients achieve favorable outcomes. - Published: 2021-07-12 - Modified: 2025-07-31 - URL: https://peterlawrencelaw.com/case-results/ History of Success Recent Case Results Chapter 13 saved our house and gave us hope. Maria and David were three months behind on their mortgage due to unexpected medical bills and a temporary job loss. Foreclosure proceedings had already started. With Attorney Peter Lawrence’s help, they filed for Chapter 13 bankruptcy, which allowed them to stop the foreclosure and restructure their mortgage payments. Today, they’re caught up and still living in the home they raised their kids in. I was drowning in credit card debt after a layoff. Jason lost his job during a corporate downsizing and relied on credit cards just to keep up with bills. He was facing lawsuits and wage garnishments. Attorney Lawrence guided him through a Chapter 7 bankruptcy, which eliminated over $40,000 in unsecured debt. Within two years, Jason had a new job, a savings account, and had even improved his credit score. Bankruptcy helped me keep my car. A single mother, Tanisha was at risk of having her car repossessed, which would have cost her the job she commuted to daily. Through a Chapter 13 bankruptcy, she was able to catch up on her auto loan while keeping up with other necessary expenses. The plan gave her peace of mind and the ability to support her family. We didn’t want to lose everything we worked for. Retired couple Jim and Evelyn found themselves in financial trouble after co-signing a loan for a family member who defaulted. Their credit cards were maxed out, and they... > At Lawrence & Jurkiewicz, LLC, we provide a range of West Hartford bankruptcy legal services to help clients resolve their debt and move forward. - Published: 2021-07-12 - Modified: 2026-04-23 - URL: https://peterlawrencelaw.com/practice-areas/ Practice Areas Stop Mortgage Foreclosure Save Your Home Stop Repossession Save Your Vehicle Stop Garnishment Protect Your Paycheck Stop Bank Levy Keep Your Money Stop Creditor Harassment End Creditor Phone Calls Stop Uncertainty Close with Confidence > Legal matters can be stressful. Reach out to the New Britain bankruptcy attorney at Lawrence & Jurkiewicz, LLC for guidance. - Published: 2019-06-14 - Modified: 2025-08-12 - URL: https://peterlawrencelaw.com/contact-us/ ADDRESS Torrington Location 932 East Main St. , 1st Floor Rear Torrington, CT 06790 ADDRESS West Hartford Location 777 Farmington Ave. , 1st Floor West Hartford, CT 06119 Call (860) 202-8330 Schedule an appointment today Do you have a question about your legal matters? Receive a free consultation by filling out the form below. > Thank you for contacting the Bloomfield bankruptcy attorneys at Lawrence & Jurkiewicz, LLC. We'll get in touch shortly. - Published: 2019-06-14 - Modified: 2025-07-31 - URL: https://peterlawrencelaw.com/thank-you/ Thanks for contacting us! We will get in touch with you shortly. ## Posts > Facing foreclosure is immensely stressful. Lawrence & Jurkiewicz, LLC, helps you build a strategy to protect your home. - Published: 2026-06-14 - Modified: 2026-07-03 - URL: https://peterlawrencelaw.com/is-it-possible-to-prevent-foreclosure-on-your-home/ Losing your house through foreclosure affects your entire livelihood. The fear of uprooting your family and losing your most valuable asset can leave you unsure of how to proceed. Fortunately, you have solid legal avenues available to stop the foreclosure process and keep your property. By consulting a trusted attorney at Lawrence & Jurkiewicz, LLC, you can explore these options and take immediate action to protect your home. To prevent a foreclosure, you can pursue several effective strategies, such as: Applying for a mortgage modification to lower your monthly payments. Using federal bankruptcy laws to trigger an automatic stay. Participating in state-sponsored foreclosure mediation programs. Negotiating alternative repayment plans with your lender. What Are My Repayment or Loan Modification Options? If you fall behind on your mortgage, your lender may allow you to modify your loan. A loan modification changes the original terms of your mortgage to make your payments more affordable. This process might involve reducing the interest rate, extending the length of the loan, or adding missed payments to the back of the loan balance. Lenders often prefer this route because it costs them less than completing a foreclosure. You should submit a complete application for mortgage assistance early to show your lender that you are acting in good faith. Can I Negotiate Directly With My Lender? Opening a dialogue with your bank is a necessary first step, but direct discussions will not automatically stop the court process. In Connecticut, state law requires lenders to offer mandatory foreclosure... > Discover ways the bankruptcy process can help a struggling business. Consult a Hartford bankruptcy lawyer at Lawrence & Jurkiewicz, LLC for legal support for your situation. - Published: 2023-11-27 - Modified: 2026-07-03 - URL: https://peterlawrencelaw.com/bankruptcy-and-small-businesses-what-entrepreneurs-need-to-know/ A small business facing financial challenges can use bankruptcy for two purposes: liquidation or reorganization. If there is no reasonable prospect of remaining in business, a Chapter 7 liquidation can make the winding down process more orderly. If a business still has a fighting chance, a reorganization under the appropriate chapter can trim and/or restructure debt, improving the prospect of surviving and returning to financial stability. Small businesses and Chapter 7 If you are not yet familiar with the different bankruptcy chapters, it might be helpful to read the article on that topic first. A case is filed under Chapter 7 for the purpose of liquidating the business. A business does not receive a discharge under Chapter 7, unlike an individual filing Chapter 7. A discharge gives an individual a “fresh start” after bankruptcy. Since that is not available to a business, the utility of Chapter 7 for a business is more limited. In some cases, a business closes its doors and is not besieged by creditors. If that is the situation, a Chapter 7 may not serve any useful purpose, and dissolution of the entity under state law dissolution laws may be all that is necessary. If a business is closing, those procedures should be followed in any case, so that ongoing liabilities such as registration fees and entity taxes are not incurred. On the other hand, the business may be facing a “feeding frenzy” by creditors with lawsuits, attachments, repossessions and other collection activities creating chaos. In that... > Learn about the role of the bankruptcy trustee and their authority over the case from an East Hartford bankruptcy attorney at Lawrence & Jurkiewicz, LLC. - Published: 2023-11-10 - Modified: 2026-07-03 - URL: https://peterlawrencelaw.com/understanding-the-important-role-of-the-bankruptcy-trustee/ Who is a bankruptcy trustee? Understanding the role of the bankruptcy trustee and the source of his authority over your case can make the process less stressful. The trustee is neither your adversary nor your advocate. Trustees treat debtors with respect and cordiality, and sometimes offer helpful suggestions. However, if a trustee suspects that a debtor is lying or withholding information, the relationship can become adversarial. As long as you follow your attorney’s advice and fulfill your responsibilities as a debtor, you will not run into conflicts with the trustee. Source of the trustee’s authority Today’s bankruptcy law originated with the Bankruptcy Code enacted in 1978. The Code created the trustee system in effect today. The Office of the United States Trustee is a division of the United State Department of Justice, and is charged with responsibility for the administration of bankruptcy cases throughout the U. S. The system is designed to facilitate the smooth and efficient processing of bankruptcy cases. It allows routine cases to be processed from start to finish without the involvement of a Bankruptcy Judge. Judges become involved in contested matters and other matters that require a judicial hearing as a matter of law. How does the trustee’s involvement work? One person is appointed as the United States Trustee for the whole country. The country is divided into regions, and each region is led by an Assistant United States Trustee, and others are appointed for each state. On a more local level, each state has one... > Bankruptcy can provide relief, but it's not the end. It's the start of rebuilding. Consult a New Britain bankruptcy lawyer from Lawrence & Jurkiewicz, LLC to start your journey. - Published: 2023-09-28 - Modified: 2026-07-03 - URL: https://peterlawrencelaw.com/life-after-bankruptcy-rebuilding-credit-and-financial-health/ In the vast landscape of personal finance, bankruptcy is often viewed as the final frontier—a place of defeat. But in truth, bankruptcy can be a fresh start, a beacon of hope for those drowning in debt. The key is understanding that life after bankruptcy is not an end; it’s a new beginning. And like all new beginnings, it requires careful navigation. 1. Embrace the Reality First, accept that bankruptcy has happened. It’s now a part of your financial history. But remember, it’s just one chapter. Your narrative is still unfolding. The sooner you accept this reality, the quicker you can start crafting your next steps. 2. Understand the Impact on Your Credit Bankruptcy will have a pronounced effect on your credit score. It’s not uncommon to see a drop of 200 points or more. But here’s the silver lining: it’s not permanent. The exact duration varies, but for most, a bankruptcy will linger on their credit report for 7-10 years. However, its impact diminishes over time, especially if you’re proactive in rebuilding. 3. Start with a Budget A clear, concise budget is your roadmap out of financial uncertainty. Track every penny. Understand where your money is going. This isn’t about scrimping on every luxury, but about making informed decisions. It’s about regaining control. With a budget, you’re not just floating aimlessly in the sea of finance; you’re steering the ship. 4. Open New Credit Accounts (Wisely) While it might seem counterintuitive, one of the most effective ways to rebuild credit... > A Bloomfield bankruptcy attorney from Lawrence & Jurkiewicz, LLC shares how understanding the emotional journey, seeking support and arming yourself with knowledge helps you through. - Published: 2023-09-27 - Modified: 2026-07-03 - URL: https://peterlawrencelaw.com/the-emotional-undertow-of-bankruptcy-rising-above-the-current/ Bankruptcy, for many, is not merely a financial decision or a legal proceeding—it’s an emotional roller coaster. From feelings of embarrassment to waves of relief, the psychological effects are profound and varied. Like any significant life event, bankruptcy brings its own set of challenges and lessons. But how do you cope with the emotional impact? How can you move forward with renewed vigor and clarity? Let’s delve deep into these waters. Removing the Stigma of Bankruptcy First and foremost, it’s crucial to acknowledge that bankruptcy has long been stigmatized in many cultures. This stigma is often rooted in misconceptions. Many believe that declaring bankruptcy is an admittance of failure, a sign of poor financial management, or even a moral shortcoming. In reality, bankruptcy can be the result of a myriad of unforeseen circumstances: medical emergencies, sudden job loss, or economic downturns. Recognizing the myths and understanding that bankruptcy is sometimes the most responsible decision one can make is the first step in coping. In fact, the need to have an orderly process to deal with unpaid debts was even recognized by our Founding Fathers in writing the U. S. Constitution. Article I, Section 8 of the Constitution says: “The Congress shall have Power... to establish... uniform Laws on the subject of Bankruptcies throughout the United States. ” This highlights the fact that bankruptcy is a legal process, not a moral judgment. The Emotional Spectrum: From Despair to Relief Bankruptcy often evokes a spectrum of emotions, such as despair, shame, fear... > Bankruptcy is complex and technical. It's crucial to consult with a West Hartford bankruptcy attorney, such as ours at Lawrence & Jurkiewicz, LLC, for help with your situation. - Published: 2023-09-25 - Modified: 2026-07-03 - URL: https://peterlawrencelaw.com/the-basics-of-bankruptcy-an-introduction-for-beginners/ Bankruptcy. The word alone can evoke strong emotions. For some, it might signify failure, while for others, it’s a new beginning. If you’ve ever wondered what bankruptcy really is, how it came to be, and its intended purpose, you’re in the right place. Dive in with us as we unravel the mysteries of bankruptcy. What is Bankruptcy, Anyway? In its simplest form, bankruptcy is a legal process where individuals or businesses declare their inability to pay off their debts. A person filing bankruptcy can seek to discharge his debts, or restructure them. An entity (such as a corporation) cannot discharge their debts the way an individual can, but it can restructure its debts, or protect the company’s assets while it goes through an orderly liquidation. The options available depend on the type of bankruptcy filed. A Glimpse into the Past: The History of Bankruptcy Bankruptcy laws weren’t always as sophisticated or compassionate as they are today. In ancient Rome if a businessman owed money and couldn’t pay it back, the benches for customers in front of his shop were broken to let the world know that this business wasn’t paying its debts. In fact, the word “bankrupt” derives from the Latin word for these broken benches. (“Bancarrota” in Spanish, is closer to the original. The other Spanish word for bankrupt is “quiebra” which also means “broken. ”) Merry old England famously had debtors’ prisons, which didn’t help creditors very much. It wasn’t until the 16th century, with England’s Statute of... > Learn about real estate contracts from a Hartford foreclosure lawyer at Lawrence & Jurkiewicz, LLC and why consulting with a lawyer can be critical in this process. - Published: 2016-08-03 - Modified: 2025-07-07 - URL: https://peterlawrencelaw.com/contract-1-0/ This article assumes that you are working with a Realtor. Realtors use contract forms that have been developed by the Board of Realtors to which they belong. In all counties but Fairfield, the custom and practice is for the buyer to present an offer to purchase by having his Realtor prepare a board-form contract completed with the essential transaction terms. This form, signed only by the buyer, is presented to the seller by the seller’s Realtor. The buyer also makes the required deposit with his agent. (I am using the words “agent” and Realtor interchangeably, which is not strictly true. A Realtor is a licensed agent who belongs to a Board of Realtors. ) If the contract form is acceptable to the buyer as presented, it becomes the contract between the buyer and seller upon the buyer’s signed acceptance. More often, there is some negotiation over price and terms, and the contents of the form must be revised to reflect the final agreement. By law, the seller must provide the buyer with a “Residential Property Condition Disclosure Report”, which is a check-the-box form in which the seller indicates “yes”, “no” or “unknown” to a list of property condition questions. The seller may elect not to provide this form, in which case the seller must, by law, give the buyer a $300 credit at closing. Institutional sellers, such as banks selling foreclosed property, almost always opt for the credit, because they’ve never occupied and have no direct knowledge of the property’s... > In the market for a new house? A New Britain debt relief lawyer from Lawrence & Jurkiewicz, LLC shares insights about the team to assemble when buying a house. - Published: 2016-08-02 - Modified: 2026-07-03 - URL: https://peterlawrencelaw.com/first-thing-buying-house/ Without question, among your first steps should be assembling your team. Your team should include a Realtor, a home inspector, a lender (a banker or mortgage broker), an attorney and an insurance agent. Now would also be a perfect time to get a financial person – a Certified Public Accountant or a Certified Financial Planner to assist you with the most frequently overlooked step in this process: calculating the actual cost of home ownership, present and future. Future blogs may address the some of these roles individually in more detail. Realtor. In thinking about selecting a Realtor, think about the services you will expect your Realtor to perform, and the knowledge base required to fulfill those expectations. Knowledge of the area, schools, neighborhood, and having a finger on the pulse of recent sales are, of course, essential. If you’re buying new construction, look for knowledge of the construction process. On the other hand, if that agent has been representing the builder for the last 20 years, are you comfortable she will stand up for you in a dispute? Some of the larger firms, like Berkshire Hathaway, William Raveis and Coldwell Banker have swallowed up smaller chains and now dominate certain markets. Are you comfortable with a large office, or would you rather work with someone who owns her own, small agency? There’s no right or wrong answer, just be very comfortable with the person you may be spending many hours with, and don’t be afraid to interview multiple Realtors. Lender.... ## City-State > Lawrence & Jurkiewicz, LLC is your trusted New Milford Chapter 7 Bankruptcy Lawyer for comprehensive debt relief. Schedule your consultation today to protect your assets and regain financial freedom. - Published: 2026-03-08 - Modified: 2026-03-08 - URL: https://peterlawrencelaw.com/citystate/new-milford-chapter-7-bankruptcy-lawyer/ Financial hardship is immensely stressful for individuals and families. When you face significant debt, you may believe these burdens will follow you for life or that you have no way to recover your financial footing. Fortunately, people have opportunities to relieve their debts through legal channels established to protect consumers. At Lawrence & Jurkiewicz, LLC, we provide informed legal assistance to guide you through the process of filing for Chapter 7 bankruptcy. Known as “liquidation bankruptcy,” Chapter 7 offers a fresh financial start by relieving you of most unsecured debts. Our experienced New Milford Chapter 7 bankruptcy lawyer works diligently to make the process as smooth and stress-free as possible for you. The Scope of Chapter 7 Bankruptcy Chapter 7 bankruptcy is a legal process that helps individuals discharge certain types of debt, allowing them to secure a clean slate to rebuild their financial stability. This form of bankruptcy is particularly beneficial for eliminating specific unsecured debts that often accumulate during times of economic difficulty. Common debts that can be discharged include: Credit card debt Medical bills Personal loans For many people, the term “bankruptcy” brings to mind fears of losing everything they own. This is often far from the reality of the situation. Most Chapter 7 cases in Connecticut are considered “no-asset” cases. This means clients can retain most or all of their essential assets while discharging their debts. Our goal at Lawrence & Jurkiewicz, LLC is to position your case for the best possible outcome. We help relieve... - Published: 2025-12-16 - Modified: 2025-12-16 - URL: https://peterlawrencelaw.com/citystate/hartford-ct/ Bankruptcy Attorney > If you're struggling with debt, the Hartford bankruptcy attorney at Lawrence & Jurkiewicz, LLC offers a free initial consultation to discuss a path forward. - Published: 2025-10-27 - Modified: 2025-10-27 - URL: https://peterlawrencelaw.com/citystate/hartford-bankruptcy-attorney/ Bankruptcy Attorney Hartford Financial challenges disrupt your peace of mind. If you're drowning in debt, struggling with creditor calls or at risk of foreclosure, Lawrence & Jurkiewicz, LLC is here to help you find relief and regain financial control. Our Hartford bankruptcy attorney guides individuals and families through the complexities of bankruptcy law, offering compassionate, professional support when you need it most. Understanding Bankruptcy and Its Impact on Your Life Financial hardships can generate significant stress and leave individuals unsure of how to move forward. Bankruptcy can offer a fresh start for those burdened by debt. Bankruptcy laws are designed to help people responsibly resolve their financial struggles by either canceling or reorganizing their debts. However, navigating the legal complexities without guidance can be intimidating. Making mistakes during the process can create additional stress instead of relief. At Lawrence & Jurkiewicz, LLC, we help clients understand their legal rights and options when considering bankruptcy. Whether you're eligible for Chapter 7 bankruptcy, an efficient and complete discharge of debts, or Chapter 13 bankruptcy, which provides a structured repayment plan, we'll walk you through each step of the process. Our goal is to help you make informed decisions regarding your financial future. The Emotional and Financial Toll of Financial Instability Unmanageable debt can impact more than just your wallet. It often takes a toll on your emotional well-being, causing feelings of anxiety, shame and hopelessness. Creditor harassment, wage garnishments and foreclosure threats only add to the burden. These challenges can strain your...