Bankruptcy Help in Stratford, Connecticut
At Ambrogio, Pletter & Associates, LLC, located in Stratford, Connecticut we've dedicated the majority of our practice and resources to bankruptcy law. Our experience and knowledge has been cultivated over the years by helping thousands of clients file for bankruptcy.
Please contact Attorney Tim Pletter today to arrange your free consultation at 203-502-7436.
Areas of Practice
- Bankruptcy Overview — Our firm helps individuals and businesses file for bankruptcy under the new bankruptcy laws. Although obtaining bankruptcy relief now involves more steps, it is still possible, despite what you may have heard in the media. Under the 2005 changes to the Bankruptcy Code, clients may still eliminate debt, remove judgment liens, stop foreclosure and auto repossessions and obtain a fresh start.
- Chapter 7 Bankruptcy — In Chapter 7 bankruptcy, individuals seek to discharge debt. In order to obtain a discharge, individuals must qualify under the new means test, among other requirements.
- Chapter 13 Bankruptcy — Chapter 13 bankruptcy, also known as "wage earner" bankruptcy, is designed for those who are able to repay certain debts over a three to five year period. People in foreclosure may be able to save their home by filing Chapter 13 bankruptcy.
- Foreclosure — The threat of losing your home to foreclosure is a frightening experience for any homeowner. Our firm can review all of the options that you have to save your home, including a loan modification, deed in lieu of foreclosure, Chapter 13 or short sale.
- Short Sales — Short sales are often necessary when the homeowner owes more on their home than it is worth. In a short sale, the lender or mortgage company agrees to accept a reduced payoff in order to allow a sale to take place.
- Loan Modifications / Can I Save My House? — If approved, a loan modification can reduce your monthly house payments and fix/reduce the interest rate on your mortgage. As a result, a loan modification may help you stop a foreclosure and roll arrearage into the loan balance and even extend the loan term. We can explain how to properly prepare an application requesting a loan modification from your lender.
- Life After Bankruptcy — A number of questions and concerns arise in regard to the consequences of filing for bankruptcy. Our attorneys can discuss how you can rebuild your credit, manage your finances, and avoid falling back into debt.
- Do I Need to File Bankruptcy? — If you can no longer afford your mortgage payment, minimum monthly credit card bills, or other bills, bankruptcy may be the best way to regain your financial footing. Our attorneys can evaluate your financial situation and help you decide whether or not filing for bankruptcy makes sense for you.
- Car Repossession — If you are behind on car payments and are in danger of having your car repossessed, filing for bankruptcy will temporarily halt collections and repossession actions on the part of creditors. Depending on the specifics of your situation, filing for bankruptcy may allow you to get caught up with payments, reduce your interest rate and even reduce the balance you owe.
- Bankruptcy FAQs — Find answers to your most common bankruptcy questions.
- Other areas of practice — In addition to our bankruptcy practice, we help individuals and families with a variety of legal matters including:
Contact Us — Free Consultation
Contact an attorney from our firm today to learn how we can help you.
We are a debt relief agency. We help people file for relief under the Bankruptcy Code.
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