Hartford Bankruptcy Attorney

Debt can accumulate fast, and when it does, finding the right solution takes more than a quick internet search. Bankruptcy is one path that many Connecticut residents consider, but it is not the right fit for everyone. Understanding how it works, what it covers, and what to expect can make all the difference when you are weighing your options.

Filing for bankruptcy can help you, depending on your circumstances, by:

• Discharging (canceling) 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 helping people through some of their most important financial decisions.

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.

Who Our Firm Serves

We work with clients at many different stages of the decision-making process. Some arrive already certain that bankruptcy is the right move; others are still weighing their choices. Either way, our team is ready to help you understand where you stand.

Our clients typically include people who are:

• Comparing bankruptcy with other debt-relief options: They need clear guidance on the differences between bankruptcy, settlement, consolidation, repayment plans, Chapter 7, and Chapter 13 before deciding which path makes the most sense for their situation.
• Unsure which debts bankruptcy can actually address: Some debts, such as credit card bills, medical bills, and personal loans, may be discharged, while others, including child support, alimony, and federally insured student loans, follow different rules.
• Worried about the consequences of filing: Concerns about cost, credit impact, public records, required counseling, timing, and long-term effects are causing them to pause before taking action.
• Looking to understand the process before filing: They want to know what the court process involves, which documents may be required, and which deadlines and rules could affect their case.

If any of these situations sound familiar, speaking with our team early can save you time, stress, and uncertainty.

How the Bankruptcy Process Works in Connecticut

While every case is different, the general steps for filing bankruptcy in Connecticut are:

1. Consult an attorney to review your financial situation and determine whether bankruptcy is appropriate for you.
2. Complete credit counseling from a U.S. Trustee-approved agency, which is required before you file.
3. File your petition and supporting documents with the U.S. Bankruptcy Court in Connecticut.
4. An automatic stay goes into effect, immediately stopping most collection actions, wage garnishments, and foreclosure proceedings.
5. Attend the meeting of creditors (also called the 341 meeting), where a trustee reviews your case.
6. Receive your discharge (in Chapter 7) or complete your repayment plan (in Chapter 13).

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 debt collection agencies can say and do.

When these laws are violated, you, as a consumer, may have a suit against these parties to vindicate your rights, and the creditor may be responsible for your attorney’s fees.

Why Choose Lawrence & Jurkiewicz, LLC?

Bankruptcy law is far more complex than most people realize. With over 30 years of practice experience, Attorney Peter Lawrence has guided hundreds of Connecticut residents through difficult financial situations. Our clients receive honest, personalized guidance from an attorney who explains every step of the process clearly and who genuinely evaluates whether bankruptcy serves their best interests.

Get Honest Answers From an Experienced Attorney

Don’t be the victim of illegal behavior or collection scams. Call for a free initial consultation, and I will help you fight back!

Frequently Asked Questions About Bankruptcy in Connecticut