Filing for Bankruptcy in Connecticut

Compassionate Guidance Through the Legal Process

Serious debt can cause tremendous stress. When you are struggling to pay your monthly bills and expenses, it can feel like you are drowning. The most important thing to do is talk with a team of experienced lawyers who can help you understand your bankruptcy options and walk you through the legal process of getting back on your feet.

At LaRese Law, we help guide clients through this process. Our Southbury bankruptcy attorneys represent clients throughout New Haven County, Litchfield County, Fairfield County, and all the surrounding counties throughout Connecticut. Once we evaluate your specific situation, we can help you determine if filing for bankruptcy is the right option for you.

Are you interested in learning more about available bankruptcy options? Navigate the links below for guidance on the following topics:


To schedule a consultation with an experienced bankruptcy lawyer in Southbury, call (203) 556-9709 today.


Wiping Out Debt with Chapter 7 Bankruptcy

If you have significant unsecured debt, such as credit card or medical bills, Chapter 7 bankruptcy might be the right option for you. Chapter 7 involves the court appointing a trustee to manage the liquidation of a debtor’s non-exempt assets to repay their creditors. Whatever unsecured debt remains after all the proceeds have been used is discharged. We can help you maximize the Federal or State exemptions to keep the most amount of your property you are legally entitled to – most people do not have to liquidate any of their property, but its important to discuss your options with an experienced practitioner.

Chapter 7 bankruptcy qualification is based on a means test. Your income and assets must fall below a certain threshold in order to be eligible to file for Chapter 7. If it is determined that you have too much “disposable income” that can be used to pay back your debts, you will not qualify for Chapter 7. Instead, you may wish to consider filing for bankruptcy under Chapter 13.

Getting Debt Under Control with Chapter 13 Bankruptcy

If you have a steady income but have fallen behind on a mortgage or other secured loan, you may qualify for Chapter 13 bankruptcy. This form of bankruptcy involves restructuring debts into one manageable repayment plan lasting three to five years. This makes it easier for an individual to repay all or a part of their debts. The specific amount that the debtor will be required to pay is determined by the type of debt they owe, as well as their income and expenses.

Chapter 13 bankruptcy may be right for you if:

  • You require relief from debt but fail to qualify for Chapter 7
  • You have been unable to stay current on a house or car payment and desire to pay back what you have missed while keeping your property
  • You have non-dischargeable debts like taxes, student loans, alimony, or child support that you wish to pay off in three to five years
  • You would like protection from creditor harassment, home foreclosure, vehicle repossession, and other creditor actions while you make your payments
Continue Reading Read Less

Discuss Your Debt Relief Options with Our Experienced Lawyers

You don’t have to face your debt problems alone. To discuss Chapter 7, Chapter 13, and other debt-relief options with an experienced bankruptcy lawyers in Southbury, contact LaRese Law online. After reviewing your debt situation, we can advise you on which chapter will provide you with the strong and lasting debt relief you seek.

Do not wait. If you are drowning in debt, let us help you find a lifeline through bankruptcy, so you can get your head above water and find a fresh financial start. Call LaRese Law today at (203) 556-9709 to discuss your options.

Client-Focused. Solutions-Oriented.

    “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

Hear What Our Clients Are Saying

“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.

Find Your Path to Financial Freedom

Schedule Your Free Consultation Today
  • Please enter your first name.
  • Please enter your last name.
  • Please enter your phone number.
    This isn't a valid phone number.
  • Please enter your email address.
    This isn't a valid email address.
  • Please make a selection.
  • Please enter a message.
  • By submitting, you agree to receive text messages from Law Offices of Jennifer LaRese, LLC at the number provided, including those related to your inquiry, follow-ups, and review requests, via automated technology. Consent is not a condition of purchase. Msg & data rates may apply. Msg frequency may vary. Reply STOP to cancel or HELP for assistance. Acceptable Use Policy

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.