Case Results
Consectetur Adipiscing
In 2025, we represented a husband and wife in a joint Chapter 7 bankruptcy. They were in the middle of a contested divorce and they both signed a large consolidation loan which was used to pay off marital credit card debt. The loan was in default. They each had their own divorce attorney. We represented both husband and wife in the joint bankruptcy. Their Trumbull home had increased in value since 2020. Most homes in Connecticut appreciated in value since COVID. We used the Connecticut homestead exemption and protected $500,000 in equity in the home they owned together. They then proceeded to complete their divorce after the bankruptcy discharged their debt.
Consectetur Adipiscing
In 2025, I represented a Milford woman in her 80s who had owned a successful business for many years. In the final years of the business, she had to take out loans to keep the business open. When the business closed, she was sued by one of her business lenders. We were able to settle that lawsuit so that she could avoid bankruptcy.
Consectetur Adipiscing
In 2025, I represented a client who worked in New York City, but bought a condo in Bridgeport when she was allowed to work remotely after COVID. Due to medical problems, she found herself falling behind with credit card and medical debt. Her car was also repossessed. We helped her discharge her debt, including the car loan deficiency, and save her new home.
Consectetur Adipiscing
In 2025, we were successful in getting a loan modification for a Stamford family who had been in foreclosure for over a year. They had to close their restaurant after COVID. While the foreclosure was pending, my client got a new job and through perseverance, we were able to save their home.
Consectetur Adipiscing
In 2025, we represented a Brookfield family with dual incomes dealing with overwhelming credit card and loan debt. They had been paying the minimum payments for years and had spent tens of thousands of dollars. They were over the median income for their family size so the means test was difficult. We were eventually successful and discharged their debt.
Consectetur Adipiscing
In 2024, we represented a Southport restaurant owner who was struggling to stay open during COVID. He took SBA EIDL loans to cover the loss of business. The costs of operating the restaurant continued to rise. He borrowed from several banks to pay the restaurant’s bills, hoping that it would survive. He even took on investors to keep operating. The restaurant eventually fell behind on its rent and was evicted. He and his girlfriend who co-signed the lease were sued by the landlord. The landlord got a court judgment against both of them. We successfully discharged the bank loans, the SBA EIDL loan, and the landlord’s judgment for him and then his girlfriend.
Consectetur Adipiscing
In 2024, we helped a nurse in Ansonia deal with her credit card debt through a chapter 13 bankruptcy. Her creditors were suing her and threatening judgment liens and wage garnishments. Her income was too high to qualify for chapter 7. The chapter 13 stopped the lawsuits immediately. She ended up paying back only a fraction of her debt over five years and did not lose her home or her car.
Consectetur Adipiscing
In 2024, we represented a divorced mother of two daughters. One of her daughters had special needs. Our client was a teacher and had been paying the minimum payments on her credit cards for many years. The expenses of maintaining her Stamford home on a single income while caring for her daughters became too much. We were able to discharge her debt and protect $250,000 in equity in her home using the Connecticut homestead exemption.
Consectetur Adipiscing
In 2023, we represented a single mother of three in Bristol. She was in a bad car accident and was left unable to work. We were able to help her discharge her debt and protect over $50,000 from her injury settlement using several different federal bankruptcy exemptions.
Consectetur Adipiscing
In 2023, we represented a woman who was a teacher in Bridgeport. She was going through IVF treatments and the doctor put her on bedrest. The doctor also told her to avoid stress. She could no longer work and found herself struggling to pay her bills on her husband’s income alone. After several months, we were able to get her through a means test and discharge her debt, eliminating a major source of her stress.
Consectetur Adipiscing
In 2023, we represented a Stratford man who had been scammed by someone on the internet. He was led to believe that he was involved in an online romance, and his “girlfriend” needed his support. He sent her dozens of gift cards which he purchased with his credit cards. When he discovered the scam, he reported it to the police, but there was nothing they could do. The debt became overwhelming. He was being harassed and threatened by collection agencies. He had to file a bankruptcy which successfully discharged all of the debt and we were able to save his prized classic car.
Consectetur Adipiscing
In 2022, we helped a disabled veteran in Wallingford. He was suffering from PTSD and other mental health problems. Over the years, he had incurred a large amount of loans and credit card debt. This was an additional source of stress and anxiety for him. The debt was impacting his health and his marriage. We were able to discharge that debt and remove one burden that was preventing him from rebuilding his life.
Consectetur Adipiscing
In 2022, I represented a husband and wife who were both teachers in New York City. They bought a home in New Fairfield and commuted every day. Unfortunately, a car accident left the husband unable to work and they started to borrow to pay their expenses. They even tried a debt consolidation company which made their situation worse. We were able to discharge their debt and he eventually was able to return to work. They did not lose their home.
Consectetur Adipiscing
In 2016, I obtained a third loan modification for a family in Milford. They fell behind on two previous loan modifications, which I helped them obtain, due to job losses and complications from twin preemies.
Tonetur Sdipiscing
In 2016, I met a client whose Jeep had been repossessed. I got her Jeep returned and allowed her to pay the loan back through a Chapter 13 plan over 60 months.
Gonetur Hdipiscing
In 2016, I assisted a single mom from Stratford stop a wage garnishment that had been served on her employer already.
Consectetur Adipiscing
In 2015, I helped a family in Monroe save their home from foreclosure after the husband was in a car crash and lost the use of his legs. I was able to modify their mortgage by reducing the interest bearing principal by $67,965 and
reducing the interest rate to 3.75% over
a new 30 years.
Gonetur Hdipiscing
In 2015, I helped a client pay her car loan back through a Chapter 13 plan at 5.5% interest rather than the 19% interest she had been paying. I was also successful negotiating a
release of her second mortgage.
Gonetur Hdipiscing
In 2014, I helped a Fairfield family, who had been through a traumatic event, stay in their home despite the pending foreclosure, until the following school year ended, so that their daughter could graduate from high school with her friends.
Gonetur Hdipiscing
In 2013, I was able to help a Trumbull family with annual income over $150,000 to file bankruptcy and discharge over $50,000 in credit card debt.
Gonetur Hdipiscing
In 2011, I met a couple from Bridgeport struggling to save their multifamily home from foreclosure. The home was worth about $160,000. They owed $552,719.
Gonetur Hdipiscing
They were able to pay the bank $160,000 over five years at 5.25% interest and discharge the rest of the debt.
Ponsectetur Fdipiscing
In 2010, I helped a single father of 5 children save his home in Bridgeport from foreclosure by obtaining an Obama plan modification with $28,124 principal deferral and an interest rate starting at 2% over a new 40 years.
Qonetur Wdipiscing
After falling into foreclosure for the third time since 2009, we participated in the Connecticut mediation program and were offered a loan modification allowing this family to save their home for a third time. The monthly payment is now affordable for them even though their income is less than before.
© 2025 Ambrogio, Pletter & Associates, LLC • All rights reserved.
Digital Marketing By: 