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Norwalk Chapter 7 Bankruptcy Attorney
With the continuing recession and failed government programs for mortgage relief, many Norwalk, CT residents still suffer from the high cost of living in Fairfield County. As living expenses continue to rise, many households find themselves struggling with overwhelming unsecured debt obligations. The cost of this monthly debt service can threaten more essential expenses and lead to a circle of debt that becomes impossible to correct. Fortunately, there are legal protections for individuals and families in Norwalk unable to resolve their debt crisis without professional help. Chapter 7 provides for the elimination of nearly all forms of unsecured debt while allowing for the protection of personal assets.
At the Bankruptcy Law Offices of Neil Crane, we have been one of the leading providers of Chapter 7 debt relief in Norwalk and the surrounding areas for over 30 years.
To learn how Chapter 7 Bankruptcy can get you back on track and assure you a fresh start, contact one of our experienced Chapter 7 lawyers for free and comprehensive initial consultation, call an experienced Chapter 7 attorney at the Law Offices of Neil Crane at 203-230-2233 or toll free at 1-888-249-3027. We never use voicemail.
Full Unsecured Debt Relief Under Chapter 7
Unsecured debt is readily available and can accumulate quickly in an almost uncontrollable manner as existing high interest debt creates the need for more debt and an inevitable downward spiral.
Chapter 7 allows a financial fresh start by protecting assets and providing relief from unsecured debt, including:
- Credit card relief
- Personal loan relief
- Relief from overwhelming medical bills
- Relief from past due income tax over three years old
- Relief from payday loans
- Relief from mortgage deficiencies, foreclosures, judgments
- Relief from garnishments, liens and levies
Properly prepared and filed by experienced bankruptcy counsel, Chapter 7 assures financial recoveries by breaking the cycle of high interest, unsecured debt, thereby allowing financial recoveries to be refocused on more important, high priority monthly financial necessities.
Full Eligibility Under Chapter 7 Means Testing at Law Offices of Neil Crane
While the new Bankruptcy Code provides relief for individuals and families earning income below the median income numbers for their applicable family size, further relief is available through the means testing procedure. In the hands of experienced means testing Chapter 7 attorneys at the Norwalk Law Offices of Neil Crane, higher income individuals and families can still qualify for the full range of relief available for lower income petitioners.
Means testing is a somewhat complicated but essential process to “qualify” higher-income filers through a mathematical calculation of monthly income and “allowable expenses.” Attorney expertise in means testing assures that you can qualify for the full relief of Chapter 7, even if you earn over the standard median levels for your particular family size or number of dependents.
At the Law Offices of Neil Crane, we’ve been providing full means testing eligibility to our Chapter 7 clients since the new Bankruptcy Code took effect in October of 2005.
To learn more, call us for a free comprehensive “means testing” appointment at 203-230-2233 or toll free at 1-888-249-3027, or fill out our Contact Form for a prompt response from an experienced Norwalk Chapter 7 means testing attorney.