Answers to Frequently Asked Questions

The most important thing you can do if you are facing serious debt problems is to call an attorney. It can be a very stressful time, and it is better to get help with financial matters sooner than later. You likely have more options than you believe, and a skilled lawyer can help you implement them with ease.

Another powerful way you can regain control over your financial future is to learn as much as you can about debt relief strategies and your rights as a borrower. The following are answers to frequently asked questions about a wide variety of debt-related matters. It is designed as a general guide, however, and your case will require personalized attention from a qualified legal team.

“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

Bankruptcy and Foreclosure

Q: Is bankruptcy the right solution for me?

A: Depending on the circumstances, bankruptcy may be an effective solution. Each case requires thorough review and examination of the facts before determining if bankruptcy is the right option for you. Your attorney will consider your level and type of your debt, the value of your assets, your long-term goals, and many more factors before providing an informed recommendation.

Q: Is there a way to stop my home from being foreclosed?

A: There may be more than one solution. Bankruptcy triggers an automatic stay, which suspends all collection actions—including foreclosure. Many filers use Chapter 13 bankruptcy specifically to save their homes from foreclosure. Alternatively, you could secure a loan modification or complete a short sale. Our office can assist you with a review of all options at your disposal.

Q: I am behind on my mortgage payments—should I seek help from an attorney?

A: Absolutely! An attorney can help you find a solution to your past-due mortgage payments, such as a loan modification. LaRese Law can provide you with the right tools you need to get back on track or guide you through the process of filing for bankruptcy.

Q: Do you currently assist clients who live outside of Connecticut with short sales and foreclosure defense?

Yes! Distance does not play a part in finding the right financial solution for our clients. Our law offices can assist with short sale matters remotely by providing you with legal guidance, resources, and tools over email or fax. Call our offices today to schedule a free consultation to determine if this option may be right for you.

Debt Collection

Q: Is there a way to stop harassing phone calls from creditors?

A: Yes! Dealing with debt collectors and creditors can be tough. However, there are many laws in place that prevent creditors from harassing you, and it is important to understand your rights. Creditors are prohibited from a wide variety of actions that are deceitful or designed to intimidate, harass, or abuse borrowers. If you feel your rights have been violated, contact LaRese Law to discuss your options and finally put a stop to creditor harassment.

Q: I missed a few car payments and my lender is threatening to take my car. Can I stop repossession?

A: Yes, but your time is limited. When you finance a car, one of the rights a lender retains is the right to take back the car if you do not make timely payments. The most important thing you can do if you are facing serious debt problems is to call an attorney. LaRese Law can help you create a reasonable repayment plan or come up with an alternative solution that’s right for you.

Owning A Business

Q: My business is not doing too well. What are my options?

A: Depending on which business entity you filed, closing a business requires several formal steps. It is best to seek advice from an attorney about what steps you should take before closing shop. Our firm can assist you with the process and help you protect your assets, wrap up a lease agreement, and more.

Q: I've decided to close my business, but I owe money to a lot of people. What are my options?

A: It's important to seek help from a knowledgeable financial attorney who can assess what rights and remedies are available to you, in order to protect your personal assets. We can guide you through winding down your business while preserving your financial future.

Pet Assistance

Q: My home has been foreclosed and I can no longer afford to take care of my pet. Who should I contact?

If you would like to anonymously find a new home for your pet or report an animal that has been left behind or is in general need of help, please call +1-203-556-9709 immediately. Tell the receptionist you would like to leave an anonymous message about a pet in need.

If you have additional questions, bring them to LaRese Law. We are more than happy to address your concerns and help you develop a plan that is right for your future. Call (203) 774-3332 or contact us online to schedule your free consultation today!

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.

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