Schedule Your Virtual Appointment


Read various informational resources that will help you learn more about how to manage debt issues and your options when it comes to debt consolidation and settlement.

What Are Your Options?

We have one of the very few professional approaches to helping your decide on what is the best option for yourself. First, we explore in-depth all the options and there are 5 options consumer select when dealing with debt.

Management or Debt Settlement?

Essentially, I have found at least 12 Basic Reasons why someone can’t or won’t file for bankruptcy. There are many reasons under the Bankruptcy Code why someone can’t file a Chapter 7 bankruptcy petition. But let’s say that you qualify for filing a bankruptcy petition, but you elect not to file.

Options Comparison Chart

Here is Chart which outlines the Pluses and Minuses of the Informal and Formal Strategies to solving your financial problems. This is the only Chart of its kind and we have to discuss and explain it to you because most clients still have many questions about it due to the fact that it is so unique.

Debt Repayment Calculator

Legal Fees and costs can vary. This Analysis is a fair representation of Debt Management, Debt Settlement, Chapter 7, and Chapter 13. Due to complexity and variables of especially Chapter 13, this analysis is only an estimate and may not be precise.

Help If You Are Sued By Creditors

First, don’t panic or hyperventilate. It won’t help and its unnecessary. Stay calm and keep it ‘cool’. Next, review this handout and call my office for an appointment. And here’s what we are going to discuss:

Help Choosing a Debt Settlement Company

Here’s a check list of questions to ask a Debt Settlement Company – questions that will help you ensure that you’re not taken for all you’ve got and that your case doesn’t get worse.

Help Fighting Scams and Con Artists

The ‘Debt Settlement Business’ is the latest and hottest ‘get rich scheme in America’. Many people would rather try anything than file bankruptcy. Embarrassment. People can feel embarrassed when they file for bankruptcy and this embarrassment prevents them from exploring it as an option.

12 Reasons Why People Can’t File Bankruptcy

Find out if you can actually file a bankruptcy petition or not. There are specific rules one needs to follow and this list will let you know if you’re a candidate or if non-bankruptcy options are better.

Frequently Asked Questions

Read up on the most frequently asked questions I get from my clients about debt consolidation, debt settlement, credit repair and relief and debt counseling.

Fix Your Credit With Sample Letters

We have various sample letters that you can use when when making attempts to fix your credit rating. If you need to dispute a negative item, validate a debt, request an investigation, or request that an item is removed from your credit report, one of these letters should help you with that process.

Fair Debt Collection Practices Act (FDCPA)

View the Fair Debt Collection Practices Act (FDCPA) in Adobe’s PDF format.

FAQs On Fair Debt Collection Practices Act

If you’ve found that you’re behind in paying your bills, we’ve provided some questions and answers that could help you understand your rights as a debtor under the Act.

IRS Publication 908

The IRS Publication 908 is a document published by the Internal Revenue Service (IRS) that provides information on how federal income tax should be treated in the case of bankruptcy.


Get Your Free and Confidential Consultation with Atty. Dave Falvey

©2024 CT Debt Consolidation - All Rights Reserved - Our law office is Located at 1 Crouch St., Groton, Connecticut, 06340 -
We are an officially recognized Federal Debt Relief agency.
We help people file for bankruptcy relief under the Bankruptcy Code. Attorney Dave Falvey is responsible for this website.