Bankruptcy Overview


With emerging changes in bankruptcy law and a sweeping economic crisis, it is more important than ever to understand your rights and options under the federal Bankruptcy Code.

Whether you are wondering if you should file, or have unique questions about your case, it is important to consult an experienced bankruptcy law attorney who can guide you through the process. Attorney Susan M. Williams has more than 20 years of experience handling bankruptcy law cases.

We work to help our clients get the fresh start they need. Call us today at 860-265-4764 or contact us by e-mail to arrange a free consultation with attorney Susan M. Williams.

Chapter 7 and Chapter 13 Bankruptcy

Chapter 7 bankruptcy allows the debtor to obtain a "fresh start" and is sometimes referred to as "liquidation bankruptcy." The concept is give you a fresh start and we utilize a liquidation analysis to determine whether all your assets are exempt. It is very common to file a Chapter 7 and not lose your assets. Upon the filing of the Chapter 7 petition with the court, creditors can no longer make any debt collection efforts. Even after the Bankruptcy Reform Act of 2005, debtors can qualify for Chapter 7 and eliminate unsecured debts including medical expenses, credit card debts, and other loans. We assist debtors in obtaining protection from creditors, preserving their assets and obtaining a fresh start.

In a Chapter 13 bankruptcy, the debtor files a plan of reorganization along with their bankruptcy petition. The most common use of a Chapter 13 is to save your home. Not only will filing stop foreclosures, it will also stop wage garnishments, repossession of property, and help you retain your assets. Unlike Chapter 7, however, you will be required to make payments against your debt. The repayment plan will be determined by the court based on your ability to pay.

The Bankruptcy Process

We will take the time to review your case, explain your options, including alternatives to bankruptcy, so that you can make the best decisions for your family and your financial future. We are highly experienced in addressing the unique concerns of clients including:

Life After Bankruptcy

With more than 25 years of experience, we know the relief that can come from filing bankruptcy. We take pride in providing our clients strategic advocacy to achieve debt relief. If you live in Massachusetts or Connecticut, call Susan M. Williams in Enfield, Connecticut, at 860-265-4764 or contact us by e-mail, to schedule a free consultation with our lawyer.

Free consultations · Easily accessible from Route 91, off Route 5

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

Susan M. Williams LLC BBB Business Review