Bankruptcy Overview

Stratford Bankruptcy Attorney

Financial difficulties can happen to anyone. A lengthy illness, job loss, divorce, or other unexpected and expensive event can leave anyone struggling to pay bills. If you are severely delinquent on credit card bills, your mortgage, your car payment, and other living expenses, bankruptcy may be your best, or only option. At Ambrogio, Pletter & Associates, LLC, we help individuals file for bankruptcy. Although filing bankruptcy may be more difficult and involve more steps than before, it is still possible to file for bankruptcy and obtain relief.

Would you like to speak with an attorney about your bankruptcy options? Please contact Attorney Tim Pletter today to arrange your free consultation at 203-378-6675. When you choose our firm, most of your interactions will be directly with your attorney.

Bankruptcy Options

• Chapter 7 Bankruptcy: The new bankruptcy law requires individuals to undergo a "means test". This test determines your eligibility for Chapter 7 bankruptcy. The means test compares your family’s monthly income to the state median.
• Chapter 13 Bankruptcy: If you are not eligible under the means test to file for Chapter 7 bankruptcy, Chapter 13 is an alternative. Chapter 13 allows consumers to reorganize their debts and repay them over a three to five year period. Chapter 13 is often the choice for people who are in danger of losing their home in foreclosure.
• Chapter 11 Bankruptcy: Businesses often seek relief under Chapter 11 to reorganize.

In order for individuals to file 7 or 13, they will need to participate in credit counseling, either over the phone or on the internet. We assist our clients in obtaining this counseling.

We can help you find the light at the end of the tunnel, help you take control of your finances and get a fresh start. Please contact our firm today to arrange your consultation.