My name is Dave Falvey. I'm a bankruptcy attorney for Connecticut and more... more
My name is Dave Falvey. I'm a bankruptcy attorney for Connecticut and more specifically for the New London County area. I have been successfully practicing for approximately 30 years and have helped thousands of clients get their finances back on track. Not only am I a bankruptcy specialist , but I also offer decent alternatives to bankruptcy with a vast knowledge of debt management and ... view profile
Emile J. Barton has over eight years of legal experience helping individuals and... more
Emile J. Barton has over eight years of legal experience helping individuals and businesses throughout New York and the United States navigate through complex legal matters, devising strategies and finding practical solutions to their bankruptcy, debt, and financial problems, giving each client a high probability of receiving the most favorable result. Admitted in both New York and Connecticut... view profile
Richard P. Giarniero is a native of Stratford, Connecticut with an exceptional... more
Richard P. Giarniero is a native of Stratford, Connecticut with an exceptional educational and professional background. He studied International and Comparative Law at the University of Florence, Italy; literature and philosophy at the University of Manchester in England, and ancient theatre architecture in Rome. Receiving a Bachelor of Arts Degree in English and Communications from Sacred Hear... view profile
If you owe a large amount of money on unsecured debts, you may require the services of a debt settlement lawyer. Unsecured debts include medical bills, student loans, credit cards, store and gas cards, personal loans, collection accounts, and bounced checks. For these sorts of debts, lenders will usually accept less than the full amount if it's clear you don't have the money to pay them (especially if the original amount has continued to grow with interest, late charges, and collection costs). A debt settlement attorney can negotiate with the lender and objectively present the facts in your case. Oftentimes, unsecured debt lenders would rather settle with you than take a chance on getting nothing if you file for bankruptcy. If the negotiation is successful, the creditor may even be convinced to take the settled debt off your credit history.