Business Details
Trusted Bankruptcy & Foreclosure Defense in Connecticut
Lisa Gustafson is a dedicated bankruptcy attorney serving clients across Connecticut, including Norwalk, Stamford, Fairfield, Bridgeport, Danbury, New Haven, and New Canaan. With decades of combined experience, the firm specializes in providing comprehensive legal solutions for individuals and businesses facing financial distress. Services include Chapter 7, Chapter 11, and Chapter 13 bankruptcy filings, foreclosure defense, IRS tax debt resolution, and loan modification strategies. The practice prioritizes personalized attention, limiting case volume to ensure meticulous representation. Clients benefit from strategic guidance through complex legal processes, with a focus on preserving assets and achieving financial fresh starts.The firms expertise extends to navigating tax debt discharge requirements, foreclosure defense tactics, and Chapter 13 repayment plans. Testimonials highlight exceptional client care, transparent communication, and successful outcomes. Committed to ethical practice, the firm emphasizes full financial disclosure and compliance with legal standards. Services are tailored to address unique client circumstances, including prior bankruptcy filings and property ownership. The team combines legal acumen with compassionate support to alleviate client stress and deliver actionable solutions.
Services
Bankruptcy Filings
Foreclosure Defense
IRS Tax Debt Resolution
Chapter 13 Plans
Loan Modifications
Business Law Litigation
Highlights and features
- We offer 50+ combined years of bankruptcy law experience
- Our team limits case volume for personalized attention
- We specialize in complex tax debt discharge strategies
- Our practice includes proven foreclosure defense tactics
- Clients praise our transparent, compassionate representation
What people say
Compassionate representation
Successful outcomes
Stress reduction
Transparent pricing
Exceptional support
Services
Chapter 7 Bankruptcy
Chapter 7 bankruptcy eliminates most debts through asset liquidation while preserving exempt property. This process allows debtors to retain essential assets like homes and vehicles through exemptions. The firm guides clients through the 3-6 month process, ensuring compliance with documentation requirements and creditor notifications.
Chapter 13 Bankruptcy
Chapter 13 establishes 3-5 year repayment plans based on income and debt levels. This option enables debtors to retain non-exempt property while restructuring payments. The firm specializes in calculating disposable income requirements and negotiating feasible repayment terms with creditors.
Foreclosure Defense
Foreclosure defense strategies include loan modifications, mediation, and legal challenges to improper procedures. The firm evaluates mortgage terms for unconscionable clauses and pursues alternatives like short sales. Services focus on delaying or stopping foreclosure actions through state-compliant legal tactics.
IRS Tax Debt Relief
IRS tax debt resolution assesses discharge eligibility based on filing timelines and tax return compliance. Services include verifying three-year return requirements, 240-day assessment periods, and non-fraudulent filings. The firm negotiates with the IRS to include tax liabilities in bankruptcy proceedings.
Loan Modifications
Loan modification services restructure mortgage terms to prevent foreclosure. The firm facilitates negotiations with lenders for reduced interest rates, extended payment periods, or principal reductions. Services include preparing financial documentation and representing clients in modification hearings.
People
Gustafson Law Offices
Attorney
Lisa Gustafson is a bankruptcy attorney with decades of experience helping Connecticut residents resolve financial crises. She specializes in Chapter 7 and 13 filings, foreclosure defense, and IRS tax debt solutions. Clients praise her compassionate approach and strategic legal expertise.
Angela
Legal Assistant
Angela supports clients throughout the bankruptcy process with professionalism and responsiveness. She assists with case preparation, document organization, and client communication, ensuring smooth navigation of legal procedures.
Questions
What bankruptcy options exist for Connecticut residents?
Connecticut residents can file Chapter 7 (liquidation) or Chapter 13 (reorganization). Chapter 7 eliminates debts through asset liquidation, while Chapter 13 offers 3-5 year repayment plans.
Can tax debt be discharged in bankruptcy?
Certain tax debts qualify for discharge if they meet specific criteria: 3-year old returns, 2-year filing deadline, and 240-day assessment period without fraud or evasion.
How does foreclosure defense work?
Foreclosure defense uses legal strategies to challenge improper procedures, negotiate loan modifications, or pursue alternatives like short sales to protect homeowners' rights.
What are common bankruptcy exemptions?
Exemptions protect essential assets including home equity, vehicles, retirement accounts, jewelry, and household items up to specified dollar amounts during bankruptcy proceedings.
How long does bankruptcy stay on credit reports?
Chapter 7 remains for 10 years, while Chapter 13 stays for 7 years. However, clients often rebuild credit within 2-3 years through responsible financial management.
What payment plans are available for legal fees?
Flexible payment options include upfront discounts, installment plans, and customized arrangements to ensure accessible representation for clients facing financial hardship.
