LAW OFFICE OF BRYAN McENTEE

                                                                                                                                                                                                         

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AVAILABLE 24 HOURS, 7 DAYS A WEEK
203-982-8396



LAW OFFICE OF BRYAN MCENTEE

         19 Mitchell Ave, 2nd Floor
            Waterbury, CT 06710

           Phone: (203) 982-8396
               Fax: (203) 413-2925







BANKRUPTCY

If you are considering filing for bankruptcy, I understand that this is never an easy decision and I realize the stress you are experiencing. If you chose to file for bankruptcy I am with you every step of the way and I am only a phone call a way should you have any questions or concerns along the way. 

There are numerous benefits to filing for bankruptcy. I can be reached at (203) 982-8396.  Call now for a FREE CONSULTATION.

Immediately after filing, most debt collectors can no longer call you and harass you for payment. Bankruptcy law provides for a "automatic stay" upon filing. This means that most debt collectors can no longer contact you in any way unless they ask the Court for permission or until you receive your bankruptcy discharge, which usually occurs about 90 days from filing.

Another important reason to file for bankruptcy is to obtain what is called a discharge. At the end of your case you will receive a discharge, which basically "discharges" your obligation to pay back most of your debts. This means that once you receive the discharge you are no longer legally obligated to re-pay these debts.

You can read more information on bankruptcy at the United States Justice Department's Website.

There are two types of bankruptcy that this firm handles.

CHAPTER 7

In a Chapter 7 Bankruptcy a trustee is appointed. The trustee's role is to take possession of your property and turn it into money to pay your
creditors. However, Federal Bankruptcy Law allows for exemptions. This means that the trustee cannot take over your property if its worth
less than the value of the exemption. The value of the exemption various with the type of property that needs to be protected. A person filing
for bankruptcy can use either the state of the federal exemptions. Many times the exemptions protect all of the debtor's property and the trustee
does not take over anything. In other cases the value of the property taken is far less than the amount owed to creditors. I cannot guarantee
any particular outcome in your unique case but would be happy to speak with you and can provide you with a free consultation.

CHAPTER 13


In a Chapter 13 Bankruptcy a trustee is also appointed. However, Chapter 13 differs from a Chapter 7 in that it involves a re-payment plan.
Your debts are repaid over a period of time. The trustee receives your payment each month and then pays a portion to your creditors. The
repayment plan will last either three years or five years depending on your income. You will also need to keep current on your mortgage in
addition to making your payment to the trustee each month.

FREE CONSULTATION
Call now to schedule your free consultation. I can be reached 24 hours, 7 days a week at (203) 982-8396.


We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

The information on this Law Office of Bryan McEntee Website is for general information purposes only. Nothing on this or associated pages, documents,  comments, answers,  e-mails, or other communications should be taken as legal advice for any individual case or situation. Information on this website is not intended to create, and receipt or viewing of this information does not constitute or create, an attorney-client relationship. There is no Attorney-Client relationship created without a signed retainer agreement.  Attorney cannot  guarantee any particular outcome. Client is responsible for paying all costs and expenses.  

Waterbury photographs of the Clock Tower at Union Station and Carrie Welton Fountain copyright Daniel M. Lynch. Used with Permission.