Connecticut State Bankrutpcy Laws

What are the Connecticut Bankruptcy Exemptions?

ConnecticutConnecticut law protects all or a portion of your property from being seized by creditors or the bankruptcy trustee in a Chapter 7 bankruptcy. In a Chapter 13 bankruptcy, you are generally allowed to keep all of your assets and property. Certain exceptions may apply, so it’s wise to consult with a Connecticut bankruptcy attorney to find which of your assets will be protected in a bankruptcy filed in Connecticut. In general, the major Connecticut bankruptcy exemptions include:

GENERAL CONNECTICUT EXEMPTIONS
Real Estate (Homestead)
Exemption is $75,000 for family member living with one or more non-owner family members; $150,000 for a person who is 65 or older, disabled, or who is 55 or older with an annual gross income of $15,000 or less if single or $20,000 or less if married. $50,000 for all other persons.A provision in the new bankruptcy law caps the homestead exemption at $125,000 if you have not lived in the state for at least 40 months prior to the time you file a bankruptcy petition. In some situations, the cap may be permanent. You should consult with a Connecticut bankruptcy attorney for specific information.
Automobiles
Up to $2,300 of the equity in all automobiles can be protected.
Other Property
Household furnishings, appliances, provisions, wearing apparel, and other personal effects are 100% exempt if they are ordinary and necessary. $6,075 each for jewelry and personal property used in the debtor’s trade or business is exempt.
View the complete list of Connecticut bankruptcy exemptions

Please remember that this page provides general information only, and is not intended to provide legal advice. The information is not a substitute for the advice of a qualified bankruptcy attorney. If you need legal assistance, consult an attorney.

Which state’s exemption laws apply in your bankruptcy?

ConnecticutGenerally, the laws of the state in which you lived for the 730 days (2 years) prior to filing a bankruptcy petition will apply in your bankruptcy.

If you have not lived in the same state for the 2 years immediately prior to filing your bankruptcy petition, the laws of the state in which you lived for the majority of the 180-day period preceding the 2-year period will likely apply.

If application of the preceding general rules renders you ineligible for exemptions under any state’s laws, you may be allowed to choose the federal exemptions applicable in your bankruptcy.

Is Connecticut a community property state?

No, Connecticut is not a community property state. Because it is not a community property state, you will be responsible for your spouse’s debts only if you voluntarily assumed those debts by, for example, co-signing on a loan given to your spouse. In a non-community property state, one spouse can file for bankruptcy and be eligible to eliminate all of their unsecured debts without the involvement of the other spouse.

Did your senator vote in favor of the new bankruptcy laws?

Following years of intense lobbying by creditors, Congress passed the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA). How did your Senators vote on these largely pro-creditor provisions?

Dodd (D-CT) — NAY
Lieberman (D-CT) — YEA

Connecticut Bankruptcy Court Locations:

915 Lafayette Boulevard
Bridgeport, CT 06604
(203) 579-5808

Hartford Main Office
450 Main Street
Hartford, CT 06103
(860) 240-3675

New Haven Office
157 Church Street
New Haven, CT 06510
(203) 773-2009

Note: You may not have to actually go to one of the above bankruptcy courts. Trustees often conduct your meeting at a local venue.

Although bankruptcy is federal law, the bankruptcy courts in each jurisdiction have local rules that must be followed. A local bankruptcy attorney will be familiar with the specific rules in your area.

Connecticut Bankruptcy Attorney Locations:

Bankruptcy Attorneys in the state of Connecticut

  1. Ashford
  2. Avon
  3. Bloomfield
  4. Bridgeport
  5. Bristol
  6. Brookfield
  7. Danbury
  8. Enfield
  9. Fairfield
  10. Farmington
  11. Groton
  12. Guilford
  13. Hamden
  14. Hartford
  15. Jewett City
  16. Litchfield
  17. Madison
  18. Manchester
  19. Meriden
  20. Middlebury
  21. Middletown
  22. Milford
  23. Monroe
  24. New Britain
  25. New Haven
  26. New London
  27. Newington
  28. North Branford
  29. Norwalk
  30. Norwich
  31. Old Saybrook
  32. Plainville
  33. Putnam
  34. Ridgefield
  35. Rocky Hill
  36. Shelton
  37. South Windsor
  38. Southbury
  39. Southington
  40. Stamford
  41. Stratford
  42. Torrington
  43. Vernon
  44. Wallingford
  45. Waterbury
  46. West Hartford
  47. Wethersfield
  48. Willimantic
  49. Windsor
  50. Winsted
Ashford Payday Loans
Website Company Telephone Address
davidseidmanlaw.com Law Offices Of David Seidman, PC (860) 264-5009 Law Offices Of David Seidman, PC, 211 Nott Hwy, Ashford, CT 06278, United States
Avon Payday Loans
Website Company Telephone Address
lawjur.com Lawrence & Jurkiewicz, LLC (860) 264-1551 Lawrence & Jurkiewicz, LLC, 60 E Main St, Avon, CT 06001, United States
Bloomfield Payday Loans
Website Company Telephone Address
business.site Affordable Bankruptcy Services (860) 523-5551 Affordable Bankruptcy Services, 4 Spy Glass Cir, Bloomfield, CT 06002, United States
Bridgeport Payday Loans
Website Company Telephone Address
rgsmall.com The Law Office of Russell Gary Small, P.C. (203) 594-6655 The Law Office of Russell Gary Small, P.C., 3715 Main St STE 406, Bridgeport, CT 06606, United States
drappjaumann.com Drapp & Jaumann LLC (203) 333-3571 Drapp & Jaumann LLC, 1057 Broad St, Bridgeport, CT 06604, United States
Bristol Payday Loans
Website Company Telephone Address
dianesummerslaw.com Summers Diane S (860) 585-9888 Summers Diane S, 985 Farmington Ave, Bristol, CT 06010, United States
attorneys-ct.com Morrocco Law Office (860) 582-5300 Morrocco Law Office, 200 Summer St, Bristol, CT 06010, United States
Brookfield Payday Loans
Website Company Telephone Address
lynnedjacksonlaw.com Law Office of Lynne D. Jackson (203) 456-8811 Law Office of Lynne D. Jackson, 487 Federal Rd Suite A3, Brookfield, CT 06804, United States
Danbury Payday Loans
Website Company Telephone Address
balbuslaw.com Balbus Law Firm (203) 286-4121 Balbus Law Firm, 108 Mill Plain Rd, Danbury, CT 06811, United States
attorneyweber.com Law Office of George H. Weber, LLC (203) 653-5133 Law Office of George H. Weber, LLC, 100 Mill Plain Rd, Danbury, CT 06811, United States
Enfield Payday Loans
Website Company Telephone Address
williams-law.com Susan M Williams LLC (860) 265-4764 Susan M Williams LLC, 146 High St, Enfield, CT 06082, United States
ctmalaw.com Rescia Law, P.C. (860) 452-0052 Rescia Law, P.C., 5104 Bigelow Cmns, Enfield, CT 06082, United States
Fairfield Payday Loans
Website Company Telephone Address
hirschlaw.org The Hirsch Law Firm (203) 336-3584 The Hirsch Law Firm, 6 Woody Ln, Fairfield, CT 06825, United States
Farmington Payday Loans
Website Company Telephone Address
aspelllaw.com Law Offices Of James F Aspell, PC (860) 523-8783 Law Offices Of James F Aspell, PC, 20 Stanford Dr, Farmington, CT 06032, United States
greenelawpc.com Greene Law PC (860) 676-1336 Greene Law PC, 11 Talcott Notch Rd, Farmington, CT 06032, United States
Groton Payday Loans
Website Company Telephone Address
actionadvocacy.com David F. Falvey (860) 449-1510 David F. Falvey, 1 Crouch St, Groton, CT 06340, United States
graterlaw.com The Law Office of M. Grater, LLC (860) 449-8059 The Law Office of M. Grater, LLC, 4 Fort Hill Rd, Groton, CT 06340, United States
Guilford Payday Loans
Website Company Telephone Address
dlweisslaw.business.site Law Offices of David L. Weiss (203) 533-7178 Law Offices of David L. Weiss, 1300 Boston Post Rd, Guilford, CT 06437, United States
Hamden Payday Loans
Website Company Telephone Address
sacramonelaw.com Law Offices of Frank Sacramone Jr. LLC (475) 238-6633 Law Offices of Frank Sacramone Jr. LLC, 3190 Whitney Ave Bldg 1, Hamden, CT 06518, United States
ciardiellolaw.com Steven P. Ciardiello, Esq. (203) 248-8000 Steven P. Ciardiello, Esq., 2840 Whitney Ave, Hamden, CT 06518, United States
Hartford Payday Loans
Website Company Telephone Address
connecticutbankruptcy.com Connecticut Bankruptcy, LLC (860) 236-1111 Connecticut Bankruptcy, LLC, 543 Prospect Ave, Hartford, CT 06105, United States
forghanylaw.com Forghany Law P.C. (860) 733-0484 Forghany Law P.C., 100 Pearl St, Hartford, CT 06103, United States
jonathancohenlaw.org Jonathan G. Cohen Law Firm (860) 527-8900 Jonathan G. Cohen Law Firm, 2 Congress St, First Floor, Hartford, CT 06114, United States
Jewett City Payday Loans
Website Company Telephone Address
zubkovalaw.com Anna Zubkova (860) 376-3002 Anna Zubkova, 57 Main St, Jewett City, CT 06351, United States
Litchfield Payday Loans
Website Company Telephone Address
crameranderson.com Cramer & Anderson LLP (860) 567-8718 Cramer & Anderson LLP, 46 West St, Litchfield, CT 06759, United States
Madison Payday Loans
Website Company Telephone Address
burdickpiombino.yolasite.com Burdick & Piombino LLC (203) 318-1900 Burdick & Piombino LLC, 82 Bradley Rd, Madison, CT 06443, United States
Manchester Payday Loans
Website Company Telephone Address
rubinlawoffices.com Paul L Rubin Law Offices (860) 647-9210 Paul L Rubin Law Offices, 135 E Center St, Manchester, CT 06040, United States
lmrblaw.com Lavigne, Mark, Rogers & Bruggeman Law (860) 643-2501 Lavigne, Mark, Rogers & Bruggeman Law, 945 Main St STE 208, Manchester, CT 06040, United States
novaklawct.com Novak Law Office, P.C. (860) 257-1980 Novak Law Office, P.C., 280 Adams St, Manchester, CT 06042, United States
timlodge.com Law Offices of Timothy M. Lodge (860) 585-5815 Law Offices of Timothy M. Lodge, 21 Middle Turnpike E, Manchester, CT 06040, United States
Meriden Payday Loans
Website Company Telephone Address
carterlawllc.com The Law Office Of William E. Carter, LLC (203) 630-1070 The Law Office Of William E. Carter, LLC, 658 Broad St, Meriden, CT 06450, United States
rodriguezlawoffices.net Rodriguez Law Firm, LLC (203) 630-0406 Rodriguez Law Firm, LLC, 349 W Main St, Meriden, CT 06451, United States
Middlebury Payday Loans
Website Company Telephone Address
tzeposlaw.net Law Offices of George C. Tzepos (203) 598-0520 Law Offices of George C. Tzepos, 444 Middlebury Rd, Middlebury, CT 06762, United States
Middletown Payday Loans
Website Company Telephone Address
richardcroce.com R. Richard Croce, LLC (860) 316-5404 R. Richard Croce, LLC, 438 Main St #202, Middletown, CT 06457, United States
middletownlowcostbankruptcy.com Middletown Low Cost Bankruptcy Center (860) 852-4114 Middletown Low Cost Bankruptcy Center, 438 Main St #202, Middletown, CT 06457, United States
jeffhannalaw.com Attorney Jefferson Hanna (860) 347-4741 Attorney Jefferson Hanna, 484 Main St Ste 23, Middletown, CT 06457, United States
Milford Payday Loans
Website Company Telephone Address
consumerlegalservicesllc.com Consumer Legal Services LLC (203) 713-8877 Consumer Legal Services LLC, 50 Cherry St, Milford, CT 06460, United States
Monroe Payday Loans
Website Company Telephone Address
bbesq.com Bellenot & Boufford LLC (203) 304-9050 Bellenot & Boufford LLC, 814 Main St, Monroe, CT 06468, United States
New Britain Payday Loans
Website Company Telephone Address
grafsteinandarcaro.com Grafstein & Arcaro LLC (860) 674-8003 Grafstein & Arcaro LLC, 114 W Main St #105, New Britain, CT 06051, United States
New Haven Payday Loans
Website Company Telephone Address
clgmlawoffices.com Coan, Lewendon, Gulliver & Miltenberger, LLC (203) 901-1298 Coan, Lewendon, Gulliver & Miltenberger, LLC, 495 Orange St, New Haven, CT 06511, United States
chorchesbankruptcylaw.com Law Offices of Ronald I. Chorches, LLC (860) 356-3695 Law Offices of Ronald I. Chorches, LLC, 261 Bradley Street Second Floor, New Haven, CT 06510, United States
davidseidmanlaw.com Law Offices Of David Seidman PC (203) 239-9806 Law Offices Of David Seidman PC, 1948 Chapel St, New Haven, CT 06511, United States
jeffhellmanlaw.com Law Offices of Jeffrey Hellman, LLC (203) 691-8762 Law Offices of Jeffrey Hellman, LLC, 195 Church St, New Haven, CT 06510, United States
attorneydeleon.com Law Offices of Robert J. DeLeon (475) 655-3030 Law Offices of Robert J. DeLeon, Connecticut Financial Center, The, 159 Church St S 19th Floor, New Haven, CT 06510, United States
New London Payday Loans
Website Company Telephone Address
attorneywagman.com Law Offices of Gregg W Wagman (860) 444-0100 Law Offices of Gregg W Wagman, 70 Howard St 2nd floor, New London, CT 06320, United States
seandonohuelaw.com The Law Offices of Sean C. Donohue, LLC (860) 443-4700 The Law Offices of Sean C. Donohue, LLC, 111 Huntington St Suite 1, New London, CT 06320, United States
wallersmithpalmer.com Waller Smith & Palmer PC (860) 442-0367 Waller Smith & Palmer PC, 52 Eugene O’Neill Dr #6307, New London, CT 06320, United States
Newington Payday Loans
Website Company Telephone Address
attorneykevinmason.com Mason Kevin L (860) 666-6022 Mason Kevin L, 47 E Cedar St, Newington, CT 06111, United States
North Branford Payday Loans
Website Company Telephone Address
attyjames.com James W. Shea LLC Attorney at Law (203) 484-6788 James W. Shea LLC Attorney at Law, 209 Foxon Rd, North Branford, CT 06471, United States
Norwalk Payday Loans
Website Company Telephone Address
lawlisa.com Gustafson Law Offices, LLC (203) 938-0119 Gustafson Law Offices, LLC, 48 Wall Street 2nd floor, Norwalk, CT 06851, United States
laws4ct.com Law Offices of Mark M. Kratter, LLC (203) 853-2312 Law Offices of Mark M. Kratter, LLC, 71 East Ave Suite K, Norwalk, CT 06851, United States
Norwich Payday Loans
Website Company Telephone Address
beebeandoneil.com Beebe & O’Neil (860) 222-2021 Beebe & O’Neil, 335 Washington St, Norwich, CT 06360, United States
kevinwicklesslaw.com Kevin Wickless Law, LLC. (860) 889-8804 Kevin Wickless Law, LLC., 114 Main St, Norwich, CT 06360, United States
davefalveynorwichbankruptcy.com Attorney Dave Falvey (860) 449-1510 Attorney Dave Falvey, 66 Franklin St, Norwich, CT 06360, United States
Old Saybrook Payday Loans
Website Company Telephone Address
lindhfoster.com Eric Lindh Foster Law, LLC (203) 533-4321 Eric Lindh Foster Law, LLC, 48 Main St Unit B, Old Saybrook, CT 06475, United States
Plainville Payday Loans
Website Company Telephone Address
t-vlaw.com The Law Offices of Thompson Vollono & Donovan, LLC (860) 747-5745 The Law Offices of Thompson Vollono & Donovan, LLC, 49 Broad St, Plainville, CT 06062, United States
Putnam Payday Loans
Website Company Telephone Address
attorneypalulis.com Attorney Michele Ann Palulis (860) 928-9928 Attorney Michele Ann Palulis, 158 Main Street ste 2, Putnam, CT 06260, United States
lawyermonahan.com Sean F. Monahan, L.L.C., Attorney at Law (860) 928-0789 Sean F. Monahan, L.L.C., Attorney at Law, 33 Woodstock Ave, Putnam, CT 06260, United States
Ridgefield Payday Loans
Website Company Telephone Address
ctbankruptcyattorneys.com The Law Offices of Neil Crane LLC (203) 230-2233 The Law Offices of Neil Crane LLC, 440 Main St, Ridgefield, CT 06877, United States
Rocky Hill Payday Loans
Website Company Telephone Address
hartfordlowcostbankruptcy.com Low Cost Bankruptcy Center of Hartford County (860) 200-0221 Low Cost Bankruptcy Center of Hartford County, 1880 Silas Deane Hwy #203b, Rocky Hill, CT 06067, United States
thoglaw.com Law Offices Of Christopher H. Thogmartin (860) 578-8048 Law Offices Of Christopher H. Thogmartin, 1880 Silas Deane Hwy #201, Rocky Hill, CT 06067, United States
davidseidmanlaw.com Law Offices of David Seidman, P.C (860) 563-7866 Law Offices of David Seidman, P.C, 1080 Elm St #100, Rocky Hill, CT 06067, United States
Shelton Payday Loans
Website Company Telephone Address
volmanlaw.com David G. Volman, Attorney at Law (203) 929-7771 David G. Volman, Attorney at Law, 45 Huntington St, Shelton, CT 06484, United States
South Windsor Payday Loans
Website Company Telephone Address
manganlaw.com Law Office of Bonnie C. Mangan P.C. (860) 644-4204 Law Office of Bonnie C. Mangan P.C., 1050 Sullivan Ave A3, South Windsor, CT 06074, United States
Southbury Payday Loans
Website Company Telephone Address
lareselawoffice.com LaRese Law (203) 556-9709 LaRese Law, 33 Bullet Hill Rd Suite 301, Southbury, CT 06488, United States
Southington Payday Loans
Website Company Telephone Address
scottgarverlaw.com Law Office of Scott Garver, LLC (860) 518-3039 Law Office of Scott Garver, LLC, 315 Little Fawn Rd, Southington, CT 06489, United States
Stamford Payday Loans
Website Company Telephone Address
attorneyweber.com Law Office of George H. Weber, LLC (203) 409-8244 Law Office of George H. Weber, LLC, 2001 W Main St #230, Stamford, CT 06902, United States
davidascalzi.com David A. Scalzi (203) 554-6381 David A. Scalzi, 921 Stillwater Rd, Stamford, CT 06902, United States
commerciallawgroup.com Attorney James T. Maye (203) 939-1380 Attorney James T. Maye, 1266 E Main St #700r, Stamford, CT 06902, United States
Stratford Payday Loans
Website Company Telephone Address
attydagostino.com Joseph J. D’Agostino, Jr., LLC (203) 377-9994 Joseph J. D’Agostino, Jr., LLC, 88 Ryders Ln, Stratford, CT 06614, United States
ambrogiopletter.com Ambrogio, Pletter & Associates, LLC (203) 378-6675 Ambrogio, Pletter & Associates, LLC, 3288 Main St Suite 201, Stratford, CT 06614, United States
jamesgorourke.net James G O’Rourke Law Offices (203) 378-2777 James G O’Rourke Law Offices, 3406 Main St, Stratford, CT 06614, United States
rosenbergattorneys.com Rosenberg, Whewell, & Hite, LLC (203) 870-6700 Rosenberg, Whewell, & Hite, LLC, 2051 Main St, Stratford, CT 06615, United States
Torrington Payday Loans
Website Company Telephone Address
blondinlaw.com Blondin Law Office LLC (860) 489-8997 Blondin Law Office LLC, 379 Prospect St, Torrington, CT 06790, United States
peterlawrencelaw.com Lawrence & Jurkiewicz, LLC (860) 626-1333 Lawrence & Jurkiewicz, LLC, 932 E Main St, Torrington, CT 06790, United States
Vernon Payday Loans
Website Company Telephone Address
ctlawyer.biz The Law Offices of Jason L McCoy, LLC (860) 872-7741 The Law Offices of Jason L McCoy, LLC, 280 Talcottville Rd, Vernon, CT 06066, United States
Wallingford Payday Loans
Website Company Telephone Address
attydagostino.com Joseph J D’Agostino, Bankruptcy Attorney (203) 265-5222 Joseph J D’Agostino, Bankruptcy Attorney, 1062 Barnes Rd # 304, Wallingford, CT 06492, United States
chrislawct.com Chris Carrozzella Law Offices (203) 284-1445 Chris Carrozzella Law Offices, 15 S Elm St, Wallingford, CT 06492, United States
Waterbury Payday Loans
Website Company Telephone Address
theculkinlaw.com The Culkin Law Office, LLC (203) 528-4190 The Culkin Law Office, LLC, 49 Leavenworth St #200, Waterbury, CT 06702, United States
ctbankruptcyattorneys.com The Law Offices of Neil Crane LLC (203) 230-2233 The Law Offices of Neil Crane LLC, 58 Holmes Ave, Waterbury, CT 06710, United States
ctbankruptcy.com Eugene S. Melchionne (203) 757-3437 Eugene S. Melchionne, 27 1st Ave, Waterbury, CT 06710, United States
rjalegal.com The Law Offices of Raymond J. Antonacci, LLC (203) 574-5560 The Law Offices of Raymond J. Antonacci, LLC, 301 Highland Ave, Waterbury, CT 06708, United States
chorchesbankruptcylaw.com The Law Offices of Ronald I. Chorches (860) 563-3955 The Law Offices of Ronald I. Chorches, 21 W Main St, Waterbury, CT 06702, United States
West Hartford Payday Loans
Website Company Telephone Address
mccooklawfirm.com McCook Law Firm, LLC (888) 397-0510 McCook Law Firm, LLC, 71 Raymond Rd, West Hartford, CT 06107, United States
stmclaw.com Steier & McCormick, LLC (860) 233-1271 Steier & McCormick, LLC, 970 Farmington Ave #205, West Hartford, CT 06107, United States
Wethersfield Payday Loans
Website Company Telephone Address
wethersfieldlaw.com Lee N Johnson Law Offices (860) 563-7510 Lee N Johnson Law Offices, 350 Silas Deane Hwy, Wethersfield, CT 06109, United States
Willimantic Payday Loans
Website Company Telephone Address
attorneysatlawct.com Guarnaccia, Connors Kalom & Zorn LLC (860) 423-6309 Guarnaccia, Connors Kalom & Zorn LLC, 25 Church St, Willimantic, CT 06226, United States
olkinlaw.com The Law Office of Mathew Olkin (860) 930-5713 The Law Office of Mathew Olkin, 746 Main St, Willimantic, CT 06226, United States
Windsor Payday Loans
Website Company Telephone Address
rdw-law.com The Woods Law Firm, LLC (860) 999-9757 The Woods Law Firm, LLC, 360 Bloomfield Ave, Windsor, CT 06095, United States
Winsted Payday Loans
Website Company Telephone Address
chorchesbankruptcylaw.com The Law Offices of Ronald I. Chorches (860) 379-5962 The Law Offices of Ronald I. Chorches, 487 N Main St, Winsted, CT 06098, United States

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