Southington Chapter 7 Bankruptcy Attorney

At the Law Offices of Neil Crane, our attorneys are committed to helping hard working Southington, CT area residents overcome the pressures of overwhelming debt payments, interest payments, late fees and collection harassment. We understand the difficulties of trying to make regular monthly payments that don’t seem to put a dent in never-ending monthly minimums and continuing bills. Our experienced team of attorneys and debt professionals can resolve your debt problems and provide you with the permanent relief you need.

 

If you are struggling, or just can’t seem to get ahead, contact us. Call us at 203-230-2233 or toll free at 1-888-249-3027. Take the opportunity to meet with us in a free and comprehensive initial consultation. We’ll carefully provide you with a plan and options for financial success.

Full Chapter 7 Relief Through Means Testing at the Law Offices of Neil Crane

Although the new Bankruptcy Code is income-restricted, unlike the old bankruptcy laws, proper means testing at the Law Offices of Neil Crane assures that higher income individuals are eligible for the comprehensive debt elimination available under Chapter 7. We understand all of the nuances and details of means testing rules and their treatment of “household income” and “allowable monthly expenses.” This enables us to provide full Chapter 7 debt elimination for many clients who believed that full debt relief was not available under the new law.

Means testing is a complicated but essential procedure for “qualifying” higher-income filers by comparing “monthly income” against “allowable expenses.” At the Law Offices of Neil Crane, our expertise in means testing assures that our clients have the greatest opportunity to qualify for the fullest unsecured debt relief available under Chapter 7. It’s hard work but it’s worth it.
At the Law Offices of Neil Crane, we’ve been providing full means testing and unsecured debt relief to our higher income Chapter 7 clients since the new Bankruptcy Code began in October of 2005.

To learn more about means testing and your Chapter 7 options, call us at 203-230-2233 or toll free at 1-888-249-3027, or Contact Us by filling out our online contact form for a prompt response from an experienced Southington, CT Chapter 7 Bankruptcy attorney.

Full Chapter 7 Debt Relief at the Law Offices of Neil Crane Since 1983

Chapter 7 covers the full range of all types of debt, including the discharge or elimination of numerous types of debt obligations, like:

  • Credit card elimination
  • Relief from Judgments, foreclosure deficiencies
  • Lawsuit relief
  • Relief from personal and payday loans
  • Relief from older income taxes
  • Medical debt relief
  • Relief from older personal property taxes
  • Relief from auto repossession

To obtain a comprehensive initial consultation with an experienced attorney at the Law Offices of Neil Crane, call us at 203-230-2233 or toll free at 1-888-249-3027. We never use voicemail – You’ll always speak directly with one of our knowledgeable, experienced attorneys.

Secured Debt and Chapter 7 Unsecured Debt Relief at the Law Offices of Neil Crane

While all secured and unsecured debt is discharged personally in Chapter 7 proceedings, secured debts are liens and payments that can continue to be paid after Chapter 7 Discharge. This means that mortgages and car loans continue unaffected by the Chapter 7 Discharge unless you choose to stop payments and relinquish cars or homes that have become unaffordable. The ability to relinquish secured debt is a permanent future protection available to all post- bankruptcy Chapter 7 clients at any time.

Chapter 7 unsecured debt relief creates recovery by improving debt-to-income ratios. This allows limited family financial resources to be focused on more important obligations like mortgage payments, car loans and other necessary living costs.

To learn more, contact us for a confidential and comprehensive free consultation. Call us at 203-230-2233 or toll free at 1-888-249-3027, or fill out our online Contact Form for a prompt response from an experienced Southington Chapter 7 bankruptcy attorney.