203-453-6030 203-453-6030

Guilford, Connecticut Bankruptcy Lawyer

Providing solutions to overwhelming debt

Especially in our poor economy, where jobs are unavailable or pay significantly less than previously, mounting debt can begin to feel unmanageable and overwhelming. At the offices at Gail S. Kotowski, I use the knowledge and skill I have acquired over nearly 30 years of practice to help you take control of your debt so you can take control of your life.

REPAIR YOUR CREDIT          I do not forget you after your discharge, I can assist you in repairing your credit through a proven, quicker method than any other. By participating in 720 Credit Score, I can register you for this program to help you rebuild your credit faster so that you will not be charges higher insurance and interest rates.

Skilled in debt analysis

I truly listen to your needs and thoroughly analyze your case to determine if bankruptcy offers the most effective way to ease your financial burden. I review your debts, income and expenses and explain the ultimate impact bankruptcy would have on your family, business, home and future credit. I answer all your questions about the bankruptcy process and the outcomes you should expect. My compassionate approach to bankruptcy leaves no surprises.

Reprieve through automatic stay

Creditors’ aggressive collection methods unfairly compound the stress of escalating debt. I can put an end to the constant harassing phone calls and letters meant to intimidate you into paying debts you cannot afford. As soon as you file for bankruptcy, creditors must immediately stop collections efforts, including those distressing letters and phone calls. As your attorney, I then deal with your creditors so you can regain your peace of mind.

Your bankruptcy options in Connecticut

  • Chapter 7 bankruptcy – If you and your spouse own few assets and earn relatively low wages, Chapter 7 bankruptcy is available to provide relief from your debts through liquidation of your assets. Because many household and personal items are exempt from bankruptcy liquidation, you can make a fresh start with limited disruption to your life.
  • Chapter 13 bankruptcy – Chapter 13 bankruptcy enables you to prevent your lender from foreclosing on your home. If you and your spouse have substantial incomes, but sudden illness, job loss or another unexpected circumstance has interfered with your ability to pay your debts, Chapter 13 bankruptcy permits you to pay debts over time in smaller amounts.

Contact a bankruptcy attorney you can trust.

Call Gail S. Kotowski at 203-453-6030 or contact me online to schedule your free bankruptcy consultation.