Chapter 7 Find Your Path to Financial Freedom

Southbury Chapter 7 Attorneys

Dedicated Bankruptcy Lawyers Focused on Your Needs

Many people facing serious financial problems liken the feeling to drowning — you are treading water, with no idea how you will get through this ordeal. It can be extremely stressful to cover necessary expenses with creditors demanding payment on debts and collection agencies harassing you.

In those moments when you may feel isolated, you need to know you are not alone. Our Chapter 7 bankruptcy lawyers in Southbury are ready to lend a hand. Many people avoid contacting an attorney when facing serious debt problems. They are afraid that a lawyer will make them feel worse about their debt issues or the process will be too expensive, so they try to handle their debt on their own. However, the majority of clients later say they wished they had contacted us sooner. LaRese Law provides compassionate, effective bankruptcy and other debt-relief solutions in a comfortable, nonjudgmental environment.

What Is Chapter 7 Bankruptcy?

Sometimes, due to unforeseen circumstances or accidents, you may be placed in a position where Chapter 7 bankruptcy, also known as liquidation or straight bankruptcy, is necessary to help you get out of debt. The purpose of this type of bankruptcy is to provide some immediate relief in clearing certain debts. After a court-appointed trustee sells specific non-exempt assets, and the proceeds are used to pay back your creditors, the remaining debts are discharged.

Chapter 7 bankruptcy can also provide immediate relief from collection activity through ‘the automatic stay’, which is a great way to earn time to pay back crucial bills, like your home’s monthly mortgage or car and utility payments.

Call us today at (203) 556-9709 to discuss your options for discharging debt through bankruptcy.

Chapter 7 Bankruptcy Eligibility

In order to qualify to file for Chapter 7 bankruptcy you must meet the following criteria:

Only individuals, a partnership, or a small business (corporation) can file
Have not had a bankruptcy discharge within the last 8 years
You have not had a bankruptcy dismissal within the past 180 days
You must go through credit counseling
Receive legal counsel before you file

If you are considering filing for Chapter 7 bankruptcy but not sure about your eligibility, do not hesitate to contact our Southbury Chapter 7 attorney at LaRese Law. We are here to evaluate your case and help guide you through the process with your best interests in mind. Call us today.

The Means Test for Chapter 7 Bankruptcy

Before you can receive support from Chapter 7, you must be able to pass a means test that measures your family’s income against the state’s median income. If your income is too high, a Chapter 13 may be right for you or a bankruptcy alternative.

Additionally, there are some important conditions to be aware of if you are “intending to file” for bankruptcy:

There are strict timelines if you had a past bankruptcy discharge that prohibit another bankruptcy discharge. These rules also depend on which chapter of bankruptcy the past and present intended filings will be under.
There are residence requirements to file bankruptcy in a given case. This can be important if you are seeking to move, or have recently located to Connecticut.
Most debtors are required to complete two online credit courses – one before you file and one after your case has been filed.
Bankruptcy requires a full and complete disclosure of your finances, including all your income sources and assets. You will be signing under the penalties of perjury that you have submitted accurate and complete information to the Court. We will help you navigate this process to ensure your full compliance to protect your bankruptcy discharge.

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“You made a super intimidating experience so much better.”
“Thank you so much for everything! You made a super intimidating experience so much better . Your extensive knowledge of course but also your super kind demeanor. I truly appreciate you!”

- T.G.
“An excellent attorney!”
“Proficient, diligent, and she has a sense of humor and great personality.”

- David M.
“Compassionate about your situation and very informative.”
“Jennifer and her team Andrea were the most professional attorneys I had the pleasure of working with and would recommend them in the future.”

- Kimberly S.
“Jennifer is fantastic.”
“She is understanding, professional and extremely knowledgable. She made me feel comfortable and at ease while enduring a very stressful situation in my life.”

- Melissa P.
“I would recommend her over, and over again!”
“As soon as I met with Jennifer, I felt at ease, and that she actually cared about me having a better financial future.”

- Amanda
“Jennifer is so knowledgeable on financial issues, do not go it alone!”
“Jennifer helped us keep our home when we honestly did not think it was possible! She is here to help YOU, not the creditors.”

- Patty
“She is very professional and personable, and very easy to feel comfortable with.”
“She was clear and concise in her communication regarding what was at stake, what needed to be done and when it would occur. She was also easy to get a hold of and responded quickly to any questions/concerns I had.”

- Dan
“Jennifer LaRese has helped my wife and I through a very difficult time.”
“Jennifer was there over phone and email though the entire process and when we had our day in court. I would highly recommend using Jennifer LaRese for any Financial or real estate issues.”

- Ken

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Compassionate & Dedicated Meet Your Team

My name is Jennifer LaRese. I founded LaRese Law in 2008, currently handling bankruptcy, short sales, foreclosure defense, and a range of other debt relief options for clients throughout Connecticut. If you are facing debt problems, do not fret any longer. The sooner you call me, the sooner I can help you get back on your feet.

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Jennifer LaRese, Esq. Founding Attorney

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What Sets Us Apart

Diverse Solutions Available
Sometimes filing bankruptcy isn't the answer. Our attorneys can properly evaluate your case and determine the best solution that meets your needs.
Focused Practice
You won't need to worry about our attorneys getting distracted with other practice areas – we only provide debt services to stay on top of the current trends in case law and creditor actions.
15+ Years of Experience
With over a decade of experience, our attorneys have the knowledge and skills necessary to get the results you deserve.
Client-Focused Representation
We understand that this is a difficult time for you. Our attorneys are committed to open communication and serving our clients' best interests.