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Brief Background


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.

Debt Settlement & Debt Consolidation Connecticut

Attorney Dave Falvey of Connecticut is an industry leader committed to offering the best debt management strategy available. He’s committed to helping you get your finances back on track through proper counseling and education.

What are your options?

At AA Debt Consolidation 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.

Why use 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.

Formal Options – Chapter 7 and Chapter 13 Bankruptcy Petitions

If you have a ton of credit card debt, Chapter 7 is usually the best option, of all the options for dealing with debt. A Voluntary Chapter 7 is one which you voluntarily petition the court for relief from all of your debts. It’s called a ‘Liquidation’ because all your debts are ‘liquidated’ within 90 days and all your assets are ‘liquidated’.

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 Options Analyzer

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.

What should you do if you are sued?

First, don’t panic or hyperventilate. It won’t help and it’s 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:

How do you choose 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.

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 a chapter 7 bankruptcy petition?

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 (with Answers)

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

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.