Topics discussed on LawTalk with the listeners and guest Atty. Tom Gugliotti: myths and mysteries of Chapter 9 municipal bankruptcies (Hartford, are you listening?);  debt relief for individuals under Chapter 7 or Chapter 13 of the Bankruptcy Act; foreclosure defense via mediation; and how “modest means individuals” can get high-quality legal services at discount rates through the Legal Incubator project located at UConn Law School.