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Are you afraid of losing your home and everything you have worked so hard to attain? If you need to act quickly to stop a foreclosure or file for bankruptcy to resolve debt, retain your business, and restart your life, our experienced and compassionate attorneys can help.
We know that informed, well-prepared clients fair best. We do our best to ensure that you fully understand the intricacies of the court process and are prepared for what lies ahead; during the process and as importantly, after the financial crisis is over, so that you are ready to move forward.
For more than 25 years, Attorney Reine C. Boyer has helped countless individuals and families work through foreclosure and bankruptcy to restore financial stability. She understands that no two cases are identical and takes a highly individualized approach to ensure her clients' unique needs are met. Attorney Boyer’s unparalleled persuasive style has enabled her to negotiate work-out solutions and modification of mortgage loans to avoid foreclosure. Attorney Boyer recently helped a client "cram down" or modify and reduce debt from 3.5 million to 1.75 million. She represents clients throughout the State of Connecticut including Bridgeport, Stamford and New Haven.
Connecticut is a lien theory state. Lenders hold legal title to the property and homeowners have equitable title. Lenders go to court against the homeowner in judicial proceedings to foreclose on the document that places the lien on the property called the mortgage.
What is Strict Foreclosure vs. Foreclosure by Sale in Connecticut?
Lenders will attempt a strict foreclosure when the property does not have any equity. Foreclosure by sale is reserved for properties that have equity. A Committee is appointed by the court to sell the property usually by auction.
Can I file a Chapter 13 Bankruptcy allowing me to keep my home if I am in Foreclosure proceedings?
Under most circumstances, filing a Chapter 13 before the law day can help you save your home. However, you must pay adequate protection payments and demonstrate to the Bankruptcy Court that you can afford the monthly payment plan.
What is a Chapter 13 Bankruptcy and how is it different from a Chapter 7 Bankruptcy?
A Chapter 13 Bankruptcy helps to reorganize your debt and pay off that debt in 3-5 years. If you have non-exempt property that you want to keep and you have predictable income that allows you to pay a monthly payment every month, you can file for bankruptcy under a Chapter 13.
What is a Chapter 7 Bankruptcy?
A Chapter 7 Bankruptcy is also called a liquidation proceeding.The Bankruptcy Court requires the debtor to turn over all non-exempt property to the Bankruptcy Trustee. The Chapter 7 Bankruptcy Trustee liquidates or "cashes out" the property for distribution to creditors. The debtor receives a "discharge" of that debt and has a fresh start.
What debt is erased in a Bankruptcy proceeding?
Most unsecured debt is erased in a bankruptcy proceeding, except current child support obligations, child support arrearage, income tax debt, student loans, personal injury debt caused by you if you were an intoxicated driver.
What is a Chapter 11 Bankruptcy and who can file for it?
A Chapter 11 Bankruptcy is for individuals who have over $1.17 million dollar in debts and small businesses. If you want to restructure or reorganize your debt and retain your property or business, as well as manage your debts and assets, a Chapter 11 Bankruptcy allows you to remain the debtor in possession of certain assets while going through the process.