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Filing for Bankruptcy in CT

"Is bankruptcy right for me?" This is the question that many are forced to ask themselves every day with the state of the economy today. While only you can answer this question there are some things you are going to want to take into consideration before filing bankruptcy, such as the laws, your reasons for filing and what debts you are going to still have to pay off after you file.

The First Step to Take

The first step you need to take in deciding to file bankruptcy is evaluating your reasons for filing. If you cannot afford to pay more than the minimum balance on your credit cards, are under what seems like constant attack from creditors, or cannot afford to pay your mortgage then filing bankruptcy may be the right answer for you. There are a plethora of other reasons and personal situations that can lead to bankruptcy so it is important to evaluate your own situation closely and decide if you cannot recover from your financial burden alone.

Next you need to look at your types of debts. In the state of Connecticut there are some debts that may not fall under bankruptcy, including: alimony; child support; taxes; the purchase of luxury items within 90 days of filing; fines owed to federal or Connecticut government agencies; and recent cash advances. This is not the complete list of debts not covered by bankruptcy and that is why it is important to follow the next step in filing for bankruptcy: finding an attorney.

Find an Experienced Bankruptcy Lawyer

It is important when considering filing bankruptcy to find an attorney who specializes in bankruptcy cases to seek advice and eventually counsel. Hiring a reputable bankruptcy attorney with a proven positive record is very important as your financial wellbeing will lie in their hands. Your bankruptcy attorney will be able to examine your case closely and determine which debts are covered by the bankruptcy and which are not. Your attorney will also be able to answer any other questions you have about filing bankruptcy in Connecticut.

Filing bankruptcy is a very personal decision that in the end only you can make. Filing can be very helpful for some and stop many stressors that debt cause, such as being harassed by creditors or the threat of your home being foreclosed on. So when you are deciding whether or not to file bankruptcy it is important to weigh your options and seek expert counsel.

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