Bankruptcy Lawyer Serving Clients in the Hartford, CT Area
Helping you find the debt relief solution that fits your needs
Relax and take a deep breath. You have already made the toughest decision regarding your financial future — you have made the brave choice to stop letting it ruin your family’s life. At the Hartford, Connecticut law office of Mitchell A. Cohen, we are ready to help you take the next step by addressing your concerns and evaluating your situation. It starts with a free initial consultation. There, we can answer some of your questions and discuss options that may be available to you. Our services are individualized, confidential, comfortable, and offered at a flat-fee rate. Call us at 860-952-2089 or contact us online to schedule an appointment, and we can start the discussion regarding your debt relief options, including:
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Because I am a bankruptcy attorney, I am dedicated to exploring every possible avenue. For instance, we may file Chapter 13 to keep your home out of foreclosure, then file Chapter 7 to eliminate your debt.
I have helped people remove judgment liens against their homes so they can refinance or sell their properties. I have fixed mistakes made by other lawyers. I have found answers when there seemed to be no hope.
I don’t just look for the easy solutions. I look for the right solutions.
Put an end to harassing calls, lawsuits, wage garnishment and liens
Once you file for bankruptcy, whether Chapter 7 or Chapter 13, you receive an automatic stay. This means that lawsuits are stopped and that creditors may no longer grab money from your paycheck or dip into your bank account. Under a federal law called the Fair Debt Collection Practices Act, creditors and collection agencies can no longer call, contact or harass you in any way once you file for bankruptcy. If they do, you may have the right to sue them.
Eliminate credit card bills and get a fresh start with Chapter 7 bankruptcy
Chapter 7 may be the best option for you if your income is below the median state income and you can no longer afford your expenses, including credit card debts and medical bills, mortgage and car payments. The means test is a calculation that takes into account your current monthly income over the six months prior to filing for bankruptcy and deducts specific monthly expenses. As a lawyer who has dedicated my practice to bankruptcy and debt relief, I know how to find ways to help you achieve your goals. For instance, I may be able to help you take advantage of IRS deductions that could make you eligible for Chapter 7, even if your income is above Connecticut’s median.
Chapter 13 bankruptcy can buy you the time you need to catch up
Chapter 13 is often the best bet for those who do not qualify for Chapter 7 bankruptcy. It is also one of the best ways to prevent foreclosure of your home. Unlike Chapter 7, in which certain assets may need to be liquidated, under Chapter 13 you will reorganize your debts and pay them off with your regular income over a three- to five-year period. That is why Chapter 13 is often referred to as “reorganization” or a “wage-earner’s plan.” You need only make one, lower monthly payment to the Trustee. As your Chapter 13 bankruptcy attorney, I will help you work out your payment plan and file the petition and documents with the court, making sure that all paperwork is accurate and filed in a timely manner.
Should you consider a creditor workout instead of (or before) filing for bankruptcy?
If you do not feel that bankruptcy is right for you, or if you want to make that a last resort, you still have options. As a debt relief attorney, I can also negotiate with your creditors to come up with a modification of your debt. This may offer you the same results as a bankruptcy (that is, discharge of all or some of your debt), without affecting your right to file for bankruptcy, if necessary, down the line.
Schedule a free consultation to discuss your debt relief options today
I provide consumer bankruptcy and foreclosure defense options to people throughout Connecticut, including Hartford, West Hartford, East Hartford and New Britain. To discuss your situation, contact me online or call our office at 860-952-2089.