Filing for Bankruptcy in Connecticut: Chapter 7 vs. Chapter 13 (2026 Guide)
What Is Bankruptcy?
Bankruptcy is a legal process under federal law that allows individuals or businesses to eliminate or reorganize debt under court supervision.
When you file for bankruptcy:
An automatic stay goes into effect.
Creditors must stop collection efforts.
Wage garnishments may stop.
Foreclosure actions may pause.
Chapter 7 Bankruptcy in Connecticut
Chapter 7 is often called “liquidation bankruptcy.”
It may allow you to eliminate:
Credit card debt
Medical bills
Personal loans
Certain judgments
Who Qualifies?
Eligibility depends on income and passing the “means test.”
If approved, many unsecured debts may be discharged within several months.
Chapter 7 is often suitable for individuals with limited income and high unsecured debt.
Chapter 13 Bankruptcy in Connecticut
Chapter 13 is a repayment plan.
Instead of eliminating debt immediately, you:
Propose a 3–5 year repayment plan.
Make monthly payments to a trustee.
May catch up on mortgage arrears.
May prevent foreclosure.
Chapter 13 may be appropriate if:
You have regular income.
You want to protect certain assets.
You are behind on mortgage or car payments.
What Debts Cannot Be Eliminated?
Some debts are generally not dischargeable, including:
Child support
Certain tax obligations
Most student loans
Criminal fines
Each case requires careful legal evaluation.
How Long Does Bankruptcy Take in Connecticut?
Chapter 7: Typically 3–6 months.
Chapter 13: 3–5 years (repayment period).
The U.S. Bankruptcy Court for the District of Connecticut handles bankruptcy filings statewide.
Will Bankruptcy Ruin My Credit?
Bankruptcy does impact your credit report.
However, many people begin rebuilding credit soon after discharge.
For some individuals, filing bankruptcy may improve financial stability compared to continued delinquency and collections.
What Happens After You File?
Once filed:
Automatic stay begins.
Creditors are notified.
You attend a 341 Meeting of Creditors.
The court reviews your case.
Debts may be discharged (Chapter 7) or repayment begins (Chapter 13).
Why Work With a Bankruptcy Lawyer in Connecticut?
Bankruptcy law is technical and mistakes can delay or jeopardize your case.
At Noyes & Asociados, we:
Review your financial situation carefully.
Explain all available options.
Prepare and file required documents.
Represent you in court proceedings.
Help you move toward long-term financial stability.
We serve individuals and families throughout Connecticut with professional and confidential representation.
Frequently Asked Questions
Can bankruptcy stop wage garnishment?
Yes, in many cases the automatic stay stops wage garnishment immediately.
Can I keep my house?
Connecticut exemptions may allow you to protect certain property, depending on equity and chapter type.
How much debt do I need to file?
There is no minimum debt requirement — it depends on financial hardship.
Final Thoughts
If debt is affecting your peace of mind and financial future, bankruptcy may be a legal solution worth exploring.
Consulting with a bankruptcy attorney in Connecticut can help you understand your rights and make informed decisions about your financial future.
📍 Contact Noyes & Asociados – Bankruptcy Attorneys in Connecticut
If you are considering Chapter 7 or Chapter 13 bankruptcy, schedule a confidential consultation today.
We are committed to helping Connecticut families move forward with confidence.
