What’s a “free initial consultation” like?

At the end of each of my blog posts, I include an invitation to contact me for a free initial consultation.

So I thought you might be curious to know a little more about what happens at this initial consultation.

  1. You enter the office, worried about your finances, stressed from harassing calls from debt collectors, and concerned  about circumstances beyond your control such as medical debts, loss of a job or overtime, divorce or other sudden losses.
  2. Together, we’ll sit down in a relaxed setting and discuss your problems.  I’ll look at the last six to seven months’ income and bills, collection letters, lawsuits and other claims for payment.  We’ll calculate a value for your home, cars and other assets.
  3. Then we’ll discuss options.  Despite what you might think, there are several options that are available to everyone and numerous variations on each of those options.  You will receive tools to help fight the collectors and for the first time in a while, see the forest instead of the trees.
  4. Next, we will come up with a plan.  You might be “judgment proof,” which means creditors can’t  get anything from you and as a result, there’s no need to do anything.  Or it might mean negotiating with creditors to work out the problem.  Or it might mean filing for Chapter 7 (what everyone thinks is “bankruptcy”), a Chapter 13 (repayment plan) or in some cases Chapter 11 (large personal bankruptcy or business bankruptcy reorganization).  It won’t happen instantaneously, but you will be able to set goals and plan for the future for the first time in a long time.

Following the initial consultation, people generally feel better.  You will  better understand your problems.  You will recognize that it’s solvable.  Knowledge is power.  When you have knowledge, there is little to fear.  You will have answers to most questions.  And perhaps most importantly, you feel that finally someone is listening to you.

So if you’re worried about debts and considering filing for bankruptcy in Connecticut, please contact me for a free initial consultation and we’ll go through the steps described above and figure out the best plan for you.

Contact Attorney Melchionne

Eugene S. Melchionne, Esq.
(203) 757-3437 (x702)
27 First Ave.
Waterbury, CT 06710

About Eugene Melchionne Attorney at Law

Eugene S. Melchionne, Esq. - Mr. Melchionne is a graduate of The University of Connecticut (B.A. 1977) and Drake University School of Law (J.D. 1980) where he received the American Jurisprudence Award for academic excellence.Since 1980, Mr. Melchionne has focused his practice in the areas of consumer bankruptcy, workouts and foreclosure defense in distressed real estate markets, real estate transactions, condominium law, commercial litigation, business organizations and probate. Prior to opening his office in 1990, Mr. Melchionne was associated with Grady & Riley in Waterbury, Connecticut and DiPietro, Kantrovitz & Brownstein, P.C. in New Haven, Connecticut. From 1990-1998, Mr. Melchionne was of counsel to Bender & Anderson handling that firm's complex litigation and trials. In addition to his practice, Mr. Melchionne was an adjunct professor at the American Institute of Banking and Teikyo Post University teaching bankruptcy, real estate, commercial and consumer law. Mr. Melchionne also advised the Corporation Counsel's office for the City of Waterbury on bankruptcy and foreclosure matters and mentored junior attorneys in that office. In 2005, Mr. Melchionne was appointed State Chair for the National Association of Consumer Bankruptcy Attorneys (NACBA). He acts as a liasion between the national organization and Connecticut attorneys who are members of the Association. He has fostered education of attorneys in the bankruptcy field and increased access of the public to bankruptcy relief in light of the law passed in 2005. In 2007, Mr. Melchionne was elected as Vice President of the Bankruptcy Law Network, an internet resource for consumer information on bankruptcy and now serves as its President. Bankruptcy Law Network has three sister sites, Credit Law Network, Debt Law Netowrk and Mortgage Law Network. Areas Of Practice: Consumer Bankruptcy Workouts & Foreclosure and Repossession Defense Real Estate Closings Honors: Super Lawyer Connecticut - 2007, 2008 Member of the Month - April 2006, National Association of Consumer Bankruptcy Attorneys American Institute of Banking Community Service - Ken Kovel Award, 2001 Teacher of the Year, American Institute of Banking, 1998 Pro Bono Representation of Indigent Clients, U.S. Bankruptcy Court, District of Connecticut, 1996 - 2002 American Jurisprudence Award 1978   Classes/Seminars Taught: Speaker - NACBA 2009 Convention, Chicago, IL Speaker - NACTT 2009 Convention, Boston MA Speaker - NACBA 2008 Workshop, Hilton Head, SC Speaker - NACBA 2008 Convention, Los Angeles, CA Speaker - NACBA 2007 Workshop, Las Vegas, NV Speaker - NACBA 2007 Convention, Philadelphia, PA Adjunct Professor - Bankruptcy, Real Estate, Consumer, and Commercial Law, American Institute of Banking and Teikyo Post University Past/Present Affiliations: National Association of Consumer Bankruptcy Attorneys American Bankruptcy Institute American Institute of Banking, Northwest Region Council City of Waterbury Corporation Counsel - Advisor, 1996 - 2000 Waterbury Bar Association - Chair, Committee on Bankruptcy -1998 Waterbury Credit Bureau, Inc. - Vice President, 1983 - 1985 American, Connecticut, and Waterbury Bar Associations Admitted: Connecticut, 1982 U.S. Federal Court, 1982 Education: Drake University Law School, Des Moines, IA, J.D. - 1980 University of Connecticut, Storrs, CT, B.A. - 1977 Past Positions: Bender & Anderson, Of Counsel, Hamden, Conn. DiPietro, Kantrovitz & Brownstein, P.C., New Haven, Conn. Grady & Riley, Waterbury, Conn.
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