Filing for bankruptcy is never an easy process. Your home, property, bank accounts, and business are all at risk of being used to repay your debts. When it seems like there is no hope, The Law Offices of Raymond J. Antonacci, LLC, want you to know that you have rights. Our Waterbury bankruptcy exemption attorneys will help you navigate Connecticut’s complex bankruptcy law code, and let you know what you are entitled to exempt from collection. Your situation is already difficult, let us help make it easier. Contact us today for your free consultation.
Many of our clients aren’t aware that The State of Connecticut guarantees you the right to exempt certain property from creditors. The idea of bankruptcy is to give the hardworking people of Connecticut a fresh start and help them discharge unpayable debts. Our successful bankruptcy lawyers in New Haven County have decades of combined experience helping people just like you keep what matters to them most.
The details and possible exemptions are going to vary from case to case, meaning that only an in-depth consultation with one of our bankruptcy lawyers in Waterbury will be able to determine what you can and cannot protect. Contact us today for your free consultation and we will help you understand your rights.
Home, property and income protection
The law in Connecticut protects a wide range of assets up to a certain value. It’s very possible that you could protect your home, certain property, and different forms of income up to a certain amount from being included in payments to your creditors. After all, the idea of bankruptcy is to give you a chance to start again and work your way back, not completely ruin your life. The Law Offices of Raymond J. Antonacci, LLC, have years of experience fighting greedy creditors in court, and we won’t let them take what they aren’t legally entitled to. Not a single creditor will ever look out for your well-being, and they won’t ever remind you of what they aren’t allowed to take. That’s why you need a trusted team of lawyers to defend your rights.
Connecticut bankruptcy attorneys
If you are going through a bankruptcy case, then you need to know your rights. Get The Law Office of Raymond J. Antonacci, LLC, today and help keep the things that matter to you most.
Alternatives to Bankruptcy
When there is nowhere else to turn, many people rush into the decision to file for Chapter 7 or Chapter 13 Bankruptcy. This helpful protection is sometimes the only option for people heavily in debt, but it might not always be the best idea. There are severe consequences for those who file, and it should only be used in the right situations. The Law Offices of Raymond J. Antonacci, LLC, have a combined 40 years of experience helping our clients in Waterbury and the rest of Connecticut understand the details of their situation and even avoid declaring bankruptcy altogether. Consult with one of our knowledgeable bankruptcy attorneys today to find out if you are eligible for the alternatives to bankruptcy.
It is impossible for us to know every detail of your case without an in-depth consultation. The complexity of your financial situation and the laws of Connecticut mean that we need to discuss the details and form a plan of action. Contact us today for your free consultation. We want to help you avoid bankruptcy at all costs.
Our Connecticut bankruptcy attorneys can help you avoid or delay bankruptcy
Banks and credit card firms haven’t gotten to where they are by giving their money away or not pursuing their debts. Many are aggressive, ruthless, and unsympathetic to your situation. Not our lawyers, though. We have built a reputation as Connecticut’s most aggressive defense team, often helping our clients delay or restructure their bankruptcy filings, protect their credit, and help keep their assets. We will act as your mediator in court and work tirelessly to defend what matters to you the most. There are several routes that we could pursue, such as:
- Real estate short sales
- Lien stripping
- Mortgage modification
- Credit card repayment plans
- And more
You need unwavering defense against creditors, because they are not known for being kind. In fact, many will even break laws or breach agreements to get what is owed to them. In the event that one has broken the law while dealing with you, we will make sure they are reprimanded for using unfair practices.
Don’t settle for bankruptcy unless you have to. Get Connecticut’s best bankruptcy attorneys. The Law Offices of Raymond J. Antonacci, LLC, can help you delay, avoid, or restructure your proceedings, and keep what matters most to you in life.
Connecticut Bankruptcy FAQ
Bankruptcy is one of the most complex and confusing sections of the Connecticut State Law. There are so many nuances governing your case that it is nearly impossible for someone without law experience to understand it. Many of our clients come to The Law Offices of Raymond J. Antonacci, LLC, with a great deal of stress and anxiety about their predicament, mainly because they aren’t aware of any of the answers to their questions. We want to put an end to that.
There is a lot of misinformation out there about bankruptcy, but our experienced Connecticut bankruptcy attorneys are the most knowledgeable and skilled in the industry. We will simplify the process, shed light on your situation, and help find the best option for you.
Here are some of the most frequently as questions from our bankruptcy clients:
How are Chapter 7 and Chapter 13 Bankruptcy different?
These two are the most common bankruptcy filings, but are very different from each other. In Chapter 7, all of your debts are discharged completely. In Chapter 13, they are restructured into an affordable three or five-year repayment plan.
Will Bankruptcy take all of my money, property, and belongings?
No. Bankruptcy is a valuable consumer protection designed to give you a fresh start, not completely ruin your life. Many of our clients are afraid of filing because they think everything will be taken from them. The Law Offices of Raymond J. Antonacci, LLC, will make sure that you keep what you are entitled to.
I’m behind on my mortgage. Will bankruptcy save my home?
In many cases, filing for Chapter 13 Bankruptcy can help you catch up on your mortgage and get out from under water. We won’t know until you consult with us, though.
Can I stop creditors from harassing me or garnishing my wages?
Many of our clients aren’t aware that a stay is automatically placed on your case once you file for bankruptcy. This means that creditors are forbidden from contacting you. It also places a hold on any wage garnishments.
What is the Fair Debt Collection Practices Act(FDPA)?
The FDPA is designed to help debtors who are being harassed by creditors. If they continue to contact you when you have filed for bankruptcy or your debts have been discharged, then they are breaking the law. You now have the right to sue them in civil court. The Law Offices of Raymond J. Antonacci, LLC, can help protect your rights and bring them to court for breaking the law. Keep all of the evidence and we can help you get a monetary reward.
Can I discharge all of my debts in bankruptcy?
The debts that you can discharge in bankruptcy are going to vary depending on the situation, but no, not all debts can be discharged. Certain debts like student loans, child-support payments, and most taxes cannot be discharged, while medical bills, credit card bills, home loans, and unsecured personal loans can.
How does bankruptcy affect my credit?
Bankruptcy has a negative effect on your credit, but it is actually the first step toward recovery. Since you are declaring bankruptcy because you can’t afford your debts, your credit has already been negatively affected. The only way to build it back is to start fresh. By not taking action, your credit will continue until it hits rock bottom. Despite the negative effects, bankruptcy is the best alternative for building your credit back.
Get Connecticut’s most knowledgeable bankruptcy attorneys
The Law Offices of Raymond J. Antonacci, LLC, are Connecticut’s most experienced and knowledgeable bankruptcy attorneys. With 40 years experience navigating Connecticut’s complex bankruptcy laws, we know what it takes to protect you and your assets from creditors. Contact us today for you free consultation, and begin down the road toward a fresh start today.
Contact An Attorney Before You File For Bankruptcy
The decision to file for bankruptcy should not be rushed. Each situation is going to be different and depend on a multitude of different personal factors. Often, our clients will try every means necessary before making the final decision to file. The problem is that the longer you wait the more complex your case becomes. Contact our bankruptcy attorneys today to get expert legal advice.
Weighing the list of pros and cons carefully is the first step toward making the right decision. Bankruptcy will discharge most of your debts and give you a fresh start, but is the hit to your credit and loss of many of your assets worth it? Do you have the right kind of debts? Are no other debt-management solutions worth a try? The only way you can know is by consulting with an experienced bankruptcy lawyer in Connecticut immediately.
There’s a load of misinformation and myths regarding bankruptcy procedures across the web, so it’s important that you only listen to people you can trust. If you are already considering filing, then contacting The Law Offices of Raymond J. Antonacci, LLC, should be your first step.
What can bankruptcy accomplish?
This is a good place to start. Most of our clients are aware that bankruptcy helps them get rid of debts in some way, but they aren’t aware of the details. Knowing what bankruptcy can accomplish is the first step toward understanding all of the benefits and drawbacks. Chapter 7 and Chapter 13 Bankruptcy have many similarities. Filing for either will help you:
- Get relief from multiple kinds of debt
- Affect your credit score
- Require mandatory credit & debt-management education
- Involve fees for filing
- Give you a “fresh start”
In essence, bankruptcy can help you get out from under the weight of debt and start your financial life fresh. It can’t solve all debt problems, though. You cannot discharge:
- Most tax debts
- Student loans
- Alimony payments
- Child-support payments
Each case is different
The biggest issue here is that each case is different. Knowing whether or not your case is right for bankruptcy filing requires an in-depth consultation with a bankruptcy attorney. The Law Offices of Raymond J. Antonacci, LLC, is the best in Connecticut, and we’ve been helping people in Waterbury and the rest of the state manage their debt and start fresh for years. Contact us today for your free consultation.
Chapter 7 Bankruptcy
Chapter 7 is the most common form of bankruptcy in the United States. Our clients enter into proceedings for a multitude of different reasons: a major accident, sickness, loss of work, a failed business venture. The important part in all of this is recognizing that you have rights, and that an experienced team of bankruptcy lawyers can help you get out from under debts and start fresh.
The Law Offices of Raymond J. Antonacci, LLC, is Connecticut’s most respected bankruptcy law firm, providing Waterbury and the rest of the state with valuable legal counsel and fierce defense from creditors in court. If you need to file for Chapter 7 Bankruptcy to start fresh, then we can help.
Get Connecticut’s most respected bankruptcy attorneys
The Law Offices of Raymond J. Antonacci, LLC, want all of our clients to know that Chapter 7 is perhaps your best option if you are a consumer who is buried under debt. We know the feeling. You make payments, but interest accrues, the debt gets bigger, and there’s no way out. It feels like digging a hole in the sand: the more you shovel out, the quicker it fills back up. There’s a way, though.
If you are looking to discharge a large portion of debt and get started fresh again, then contact us today to begin your journey to financial stability. Our Waterbury Chapter 7 Bankruptcy lawyers have years of experience navigating Connecticut’s complex legal system, so you know that you’re in good hands with us. We will get you debt relief. Period.
Chapter 7 Debt Relief
Chapter 7 is the most common form of bankruptcy because it allows an individual to discharge several of the most common forms of debt. When you come to us for bankruptcy services, we will help you get rid of:
- Medical bills
- Personal loans
- Home loans
- And credit card debt
We can also advise you on bankruptcy alternatives if you wish to pursue a different route.
Get New Haven County’s best bankruptcy lawyers now
If you are in New Haven County or anywhere in Connecticut, then you need to get The Law Offices of Raymond J. Antonacci, LLC. We have made a reputation in the state for being the best and most knowledgeable bankruptcy attorneys. If you’re considering filing for Chapter 7 Bankruptcy, then contact us immediately. We will make sure you get out from your debts, keep the assets you are entitled to, and get defense from aggressive creditors.
Chapter 13 Bankruptcy Attorney in Connecticut
Chapter 13 Bankruptcy is one of the most common consumer protections in the United States. This form of debt management helps consumers manage their finances and repay debts over three or five years, and acts as an alternative to the more common Chapter 7 Bankruptcy that many people file. Consumers looking to get out from overwhelming debt, but not completely start fresh would be right to consult with an experienced Chapter 13 Bankruptcy attorney in Connecticut before filing.
The Law Offices of Raymond J. Antonacci, LLC, is Connecticut’s most experienced bankruptcy litigation firm, and we can help you decide which path is best for you to take. We want to protect your finances, help you get out from debt, and have a stable financial future, but the only way we can know what’s best is if you come for your free consultation. With more than 40 years of experience in the Connecticut bankruptcy system, you can rest assured that we know how to help our clients make the right decisions.
What is Chapter 13 Bankruptcy?
While most are aware of Chapter 7, Chapter 13 is a completely different path toward financial recovery. The great thing about it is that you take responsibility for your debts and repay some or all of your debts in contrast to discharging them completely. It could save your credit score and help you build a stable financial future.
The purpose of Chapter 13 is to allow an individual with a stable source of income to propose an affordable repayment plan, rather than completely discharging the debt and suffering the financial penalties. The Law Offices of Raymond J. Antonacci, LLC, have in-depth experience in this sector, so we know exactly which kind of plans are both beneficial to the consumer, and appealing to the creditor. By using us as your mediator, we can help you build a three or five-year plan that is affordable and logical for both parties.
Contact us today
Chapter 13 Bankruptcy is far more complex than can be described in a few paragraphs, so it is important that you come to The Law Offices of Raymond J. Antonacci, LLC, to get your free consultation. Once we know all of the details and you are aware of your rights, we can begin devising your plan and setting you on the road to a healthy and stable financial future.
Too Much Credit Card Debt? We Can Help
The average American household has over $15,000 in credit card debt. This staggering number guarantees that many people in Connecticut are buried in far too much debt to ever get out from. Regardless of the reason that has put you in this situation, it’s important to know that there is a way out for those who can’t afford to pay. It’s obvious that you need to put paying debts behind providing life necessities in terms of your priorities, and if you’ve fallen behind on payments, then you’ve started to notice late fees and interest pile onto the balance. Get Connecticut’s best bankruptcy lawyers to help get you out.
The Law Offices of Raymond J. Antonacci, LLC, are Connecticut’s debt relief specialists. We can help you explore all of the options and find the one that suits you best. There are a range of options to choose from, including both restructuring and outright discharging your debts. If you feel like you are drowning in debt, we can help you discharge your burden and start fresh.
Bankruptcy and credit card debt
Depending on your financial situation, you may be entitled to getting out from under your credit card debt. Bankruptcy is a consumer protection guaranteed to citizens that helps people discharge unpayable debts and start anew. Credit card debt is unsecured, meaning that it isn’t backed by collateral such as a home, and in being so that means it can be discharged under certain circumstances. Chapter 7 Bankruptcy is a procedure designed to rid overburdened consumers of unpayable debts from medical bills, personal loans, home loans, and credit cards. Those who qualify get the relief they need and can begin working toward a stable financial future.
You might also be eligible for Chapter 13 Bankruptcy, a procedure that allows you to restructure your outstanding balance to a manageable amount. When consulting with our experienced bankruptcy attorneys, we can devise a plan that is beneficial to both parties, and aggressively barter with your creditors to accept a deal that’s affordable to you. Chapter 13 Bankruptcy allows you to bring your debts down to a manageable amount and pay them off over three or five years. Once you’ve met the requirements of your plan, the debt will be discharged completely.
Schedule your free consultation today
The Law Offices of Raymond J. Antonacci, LLC, offer free consultations to all of our clients. Due to the complexities of each case, it is impossible for us to know the best course of action for you before you do. Come to our offices in Waterbury today and we will help you get out of credit card debt immediately.
Connecticut Foreclosure Mediation
The housing crisis of recent times lead to a massive surge in foreclosures in Connecticut and around the country. The Law Offices of Raymond J. Antonacci, LLC, know that there’s nothing more devastating than losing your home, and that’s why we offer foreclosure mediation in Connecticut. Our state initiated its mediation program in response to the alarming spike in home foreclosures across the state, and with help from an experienced law firm, you can keep your home. We will work as a mediary between the homeowner and the bank, helping to reach a settlement that is workable for both sides.
Why get a foreclosure mediation attorney?
Your home is the most important thing in your life. It’s where you sleep, where you keep your all of your most valuable possessions, and it’s usually the largest investment in your life. You need to do everything you can to keep it. The mediation process is extremely complex, and only a legal firm with in-depth experience can help you navigate the process. If you don’t complete the process properly, your case will be denied, resulting in financial losses and maybe even the loss of your home. Don’t take that risk.
Can mediation save your home?
Despite what you may think, there is nobody that wants you to lose your home. The state offers homeowners multiple protections, the bank wants to work with you to get its money and keep you in your home, and there are experienced lawyers around Connecticut ready to lend a helping hand. Here at The Law Offices of Raymond J. Antonacci, LLC, we have over 40 years of combined experience in helping the people of Connecticut across multiple fields of law, including foreclosure mediation. There is no better choice to represent your interests.
The biggest issue for our clients is finding out which solution is more emotionally and financially viable: keeping their home and making payments, or forfeiting and moving on in life. These are not easy questions to answer, and that’s why the right counsel makes all the difference. In many cases, families who qualify reach an agreement with their mortgage lender to stay in their home.
Our goal is to find the right solution for you. The first step is figuring out if you qualify for foreclosure mediation. We offer a free consultation to all of our clients so we can better understand your situation and decide on the right course for helping you stay in your home. If you want to protect your home, your family, and your financial future, then contact The Law Offices of Raymond J. Antonacci, LLC, in Waterbury immediately.
How Chapter 13 Bankruptcy Can Save Your Home
After the economic and housing crisis, there was a noticeable surge the rate of foreclosure both Connecticut and the rest of the country. Homeowners were missing payments, using their money to provide basic necessities for their families instead of paying down their mortgage. This lead to many homeowners finding themselves too far behind on payments to ever catch up again. Chapter 13 Bankruptcy is becoming more and more common as homeowners realize it might be their only choice. The Law Offices of Raymond J. Antonacci, LLC, want you to know that you don’t have to lose your home. With our expert bankruptcy attorneys in Connecticut, you can stay in your home and manage your debts
What is Chapter 13 Bankruptcy?
The basis of this procedure is that homeowners who are too far behind on their payments won’t ever be able to catch up again. This is bad for all sides, not just the person in the home. The bank is losing out on their investment, and you are losing your home. Neither party wants you to foreclose. That’s where Chapter 13 comes in.
This process involves a debtor negotiating with their creditors to reduce their debts and work on a payment plan that lasts either three or five years. Once you have made good on the requirements of your plan, the debts are then fully discharged. When all of your debts are consolidated into one affordable payment, you can begin down the road towards recovery. There may not seem like a way out right now, but with The Law Offices of Raymond J. Antonacci, LLC, we can help you see the light at the end of the tunnel.
How can it help me keep my home?
The way it works is that when you begin the Chapter 13 Bankruptcy process your creditors are forbidden from pursuing any debts from you. If your plan is approved, then they can no longer harass you, garnish wages, or have any ability to foreclose on your home. Your payment plan will be based on your disposable income, not your total income. This means that your plan should be affordable.
If you continue making your agreed-upon payments, then the creditor cannot foreclose on your home.
What if I have a second mortgage?
The bankruptcy laws of Connecticut are structured so that certain debts are prioritized over others. If you are underwater on your second mortgage, Chapter 13 Bankruptcy could still help. If you owe more than the home is worth or cannot make payments, then you could enter into a payment plan where you pay off your creditors based on your disposable income. In this case, your second mortgage will be treated as unsecured loans and placed down on the list of priorities. Once your other priorities are paid, then your second mortgage will be seen to. If you make your monthly payments and fulfill your payment plan, then the remaining debts will all be discharged.
If you are so far underwater on your mortgage payment that you can’t see the light of the surface, then you need The Law Offices of Raymond J. Antonacci, LLC, to help you get out. Remember, you have rights. Contact us today to begin working with Connecticut’s most respected bankruptcy attorneys. We will help you keep your home and get out of debt.
The Bankruptcy Process
Bankruptcy is an extremely complicated process, hence the reason that getting the right legal counsel is so important. Without an experienced litigator to help you navigate the system, it would be impossible for people to get favorable outcomes, especially considering how deep the pockets of their creditors are. A lot of the stress and fear over the process is due to misinformation or misunderstanding. The Law Offices of Raymond J. Antonacci, LLC, wants to help the people of Connecticut better understand how the process works so that they can achieve the best results. During your free consultation we will get to better understand your situation and answer all of your questions.
Our skilled team of litigators understands that your bankruptcy case is more than just numbers to you. It’s your financial future, your home, and the well-being of your family that’s at stake here. Nobody understands your situation better than we do, and with over 40 years of combined experience helping the people of Connecticut navigate the legal system, there’s no better ally than us.
Before the real legal process even begins, you need to meet with one of our skilled Connecticut bankruptcy attorneys. Our experienced lawyers know the ins and outs of the system, and can recognize which cases will be successful or not. During our meeting, we will help shed light on this complex process and relieve the stress that uncertainty brings.
From there, the process goes as such:
Assessing your financial situation-
Meeting with creditors-
after your case has been filed, there will be a meeting with your creditors via a bankruptcy trustee. This person will ask you detailed questions about your financial situation, and our lawyers will be right there with you to clarify anything that you don’t understand. In the majority of cases, your actual creditors don’t show up to contest.
Your fresh start-
Connecticut bankruptcy attorneys
The Law Offices of Raymond J. Antonacci, LLC, are Connecticut’s most respected bankruptcy attorneys, and we’ve made a name for ourselves by representing the best interests of Connecticut’s citizens since we started. Contact us today for your free consultation and to begin your journey toward debt relief immediately.
Save Your Home With Waterbury’s Best Foreclosure Defense Lawyers
Your home is the most valuable asset that you own, and it is often the biggest investment in your life. Losing it would be devastating. The Law Offices of Raymond J. Antonacci, LLC, know that foreclosure is more than just a stressful financial time. It is a rollercoaster of emotion and uncertainty that leaves many homeowners looking for relief. Our foreclosure defense lawyers can help you save your home.
If you are at risk of foreclosure, then you need the help of an expert legal team. With the right attorney by your side, you can develop a plan that will help you keep your home and become financially stable. Some of our cases have set the precedent for Connecticut foreclosure law, and we’ve helped plenty of homeowners in your situation save their homes, protect their assets, and secure the wellbeing of their families.
Get the right foreclosure attorney in Hartford to save your home
Mortgage lenders have some of the best litigation teams. Dealing with the banks and their lawyers is not something that most homeowners are equipped to do. You need to have the best team in your corner to help protect yourself from greedy and aggressive creditors. The Law Offices of Raymond J. Antonacci, LLC, has a feared reputation amongst the banks and their lawyers. They know that we will stop at nothing to protect our clients most valuable possessions.
With more than 40 years combined experience in the industry, we nearly always achieve the best possible outcome for our clients. We want you to know that you have options. By negotiating on your behalf with your creditors, we can help you stay in your home. Just contact us today for you free consultation. No matter your situation, there are always options.