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