On February 24, 2009, Judge Dabrowski of the U.S. Bankrupcy Court in Connecticut ruled that a car may be surrendered toa creditor in a bankruptcy case to satisfy a car loan that is less than 910 days old.  Well, there’s a mouthful.  In short, 910 car claims are given special treatment in bankruptcy.  In a [...]

Since July 1, 2007, Connecticut has recognized a $3,500.00 exemption in automobiles. Many websites out there (including some maintained by Connecticut lawyers) miss the fact that the exemption amount increased from $1,500.00 to $3,500.00 mearly two years ago.
An exemption in an automobile (or truck) is calculated by taking the market value of the vehicle and [...]

Depending on the homestead exemption applicable in your state, the Bankruptcy Code allows a Debtor to void and nullify certain judicial liens against a residence if the lien interferes with the homestead exemption. While it is possible to reopen a closed case to avoid a lien, do not wait too long to do so or [...]

The biggest problem that every bankruptcy client has is organization.  Financial problems have a way of causing chaos.  Which bill do you pay first?  Which collection agency do you satisfy next?  How in the world do you collect all those documents necessary to file bankruptcy?
In fact, the issue of disorganization is one that typically has [...]

In baseball, a well-known play is called the ‘walk’.  When the pitcher throws the ball outside the strike zone and the batter doesn’t swing, it is called a ‘ball‘.  Four ‘balls’ and the batter gets to walk to first base.  Chrysler Credit has thrown its third ball in Bankruptcy Court in Connecticut this past week. [...]

Recently, a well-dressed, well-spoken person came to my office to discuss filing for bankruptcy.  A quick review of claims by creditors revealed several lawsuits and an assortment of credit card debt.  There were two mortgages and two car loans.  Even though both husband and wife were working, the total monthly income was barely enough to [...]

Last week, a young father of two and a political candidate for office in Bristol, Connecticut committed suicide.  He left behind a note which showed that he was concerned about his finances and wanted to avoid bankruptcy.  The 38 year old had just started a new business and was facing difficulties in the current economy. [...]

Debt Relief Agent

Recently the U.S. District Court in Connecticut ruled that parts of the revised Bankruptcy Code were unenforceable.  (See “Federal Court Strikes Down Bankruptcy Code Provisions“)  But some parts of the case remain undecided.  While the Court decided that attorneys not engaged in the practice of bankruptcy law did not have to comply with [...]

Divorce attorneys like to insert language in the divorce agreements or decrees reciting that certain obligations are not dischargeable in a subsequent bankruptcy case by one of the ex-spouses.  Now there may be differing opinions on what parts of a divorce decree are or are not dischargeable in a bankruptcy, but such language does not [...]

Federal Debt Relief Agent
After waiting more than two years for a decision, U.S. District Judge Droney of Connecticut ruled on September 9, 2008 that attorneys must be free to advise clients regarding their finances free from governmental interference.  In a further move, the judge also agreed that certain of the Bankruptcy Code provisions enacted in [...]