Beebe and O'Neil

April 2019 Archives

The difference between pre-qualified and pre-approved

When shopping for a home in Connecticut, some buyers may hear that they need to be pre-qualified or pre-approved and think they are the same thing. However, according to, this is not the case at all. Being pre-qualified is actually an initial step before seeking pre-approval for a mortgage loan. Completing both processes will leave you in a better position to buy your next home.

Is your home safe from creditors in Chapter 7 bankruptcy?

There are many factors about bankruptcy that leave people reticent to seek its protection. For example, worries about the asset liquidation process involved in Chapter 7 bankruptcy could inspire some people to avoid bankruptcy when they would most certainly benefit from the discharge of their unsecured debts.

How can I prevent my heirs from fighting?

An estate plan ensures your family is cared for after you're gone. However, estate plans can also be the source of stress between heirs when one perceives he or she has been slighted or not received a fair share of the estate. While you can't always prevent your heirs from fighting, AARP recommends the following steps so you can mitigate as much stress as possible. 

Is it possible to erase my criminal record?

Having a criminal record can make life harder in a number of ways. Some apartment complexes may not allow you to become a tenant, and some jobs will not want to hire you. However, it is possible that you may be able to have your criminal record expunged or kept from public view. It will depend on a number of factors, but if successful, you will not have to worry about a Connecticut employer knowing that you were once arrested and charged with a crime.

Is recreational marijuana legal in Connecticut?

As a Connecticut resident, you may know that the state approved the use of marijuana for medical purposes in 2012. However, Connecticut has not yet joined other states that have legalized recreational marijuana. Although non-medical marijuana use is not yet legal in Connecticut, there are some adjustments to state laws that minimize penalties for marijuana possession.

Breaking down the Chapter 7 means test

Once you make the decision to pursue a personal bankruptcy, the next task is determining which case you should file under. Many come to us here at Beebe & O'Neil wanting to file under Chapter 7 due to the advantage it offers of having debts discharged. Indeed, Chapter 7 is by far the most popular form of personal bankruptcy (both in Norwich and throughout the rest of the U.S.). Yet you might be shocked to discover that are not eligible to file for Chapter 7. That is because the federal government does not want people to abuse the protection that bankruptcy offers. 

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Beebe & O'Neil
PO Box 6002
335 Washington Street
Norwich, CT 06360

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