New Haven Chapter 7 Bankruptcy Attorney

New Haven Chapter 7 Bankruptcy Lawyer

If you are struggling with debt, Chapter 7 bankruptcy may be the answer. Chapter 7 bankruptcy is an ideal solution to many New Haven residents’ debt problems, whether you’re an individual, a married couple, or you own a business. If you have limited assets, low or no income, and/or can’t afford a repayment plan to catch up with your burdensome debt, Attorney Tim Pletter, a New Haven Chapter 7 bankruptcy attorney, will be able to help.

Speak to a Chapter 7 Bankruptcy Attorney With Knowledge and Experience

The Law Office of Ambrogio, Pletter & Associates, LLC, provides quality, dedicated legal services to businesses and individuals facing financial difficulties. Our primary goal is to assist our clients in finding practical solutions to help them free themselves from overwhelming debt. We will help ease the process of filing for bankruptcy.

Why Do People File Chapter 7 Bankruptcy?

Chapter 7 is often referred to as a fresh start. Its purpose is to erase most debt and give the filer a second chance to build credit with a clean slate. To find out if this type of financial decision is the right option for you, speak to a Chapter 7 bankruptcy attorney, Tim Pletter, who is local, knowledgeable, and reputable.

If you are considering talking to a New Haven County Chapter 7 bankruptcy lawyer, you are not alone. In 2025, 837 Chapter 7 bankruptcy cases were filed in New Haven County, CT. Deciding to file bankruptcy may cause you to feel ashamed, filing bankruptcy will give you the opportunity to get your finances back on track. It’s a second chance to have a better outcome.

Understanding Chapter 7 Bankruptcy Laws

Recent Chapter 7 bankruptcy laws require individuals, couples, and business entities who want to file Chapter 7 to pass a means test. This test considers the applicant’s monthly income and compares it to the state’s median income. Adjusted median income data is set by the US Department of Justice. The most recent release of this information puts Connecticut’s median income for a household of one at $82,141 and a household of two at $103,501.

For qualified applicants, filing for Chapter 7 bankruptcy offers several benefits. These benefits can include:

• Total discharge of debts, including credit card debt, wage garnishment, older tax debt, judgments, and medical bills
• Relief of mortgage liability for foreclosed or surrendered property
• No more harassing phone calls from creditors and collection companies

How a New Haven Chapter 7 Bankruptcy Lawyer Will Help

A New Haven Chapter 7 bankruptcy attorney from The Law Office of Ambrogio, Pletter & Associates, LLC, will help you navigate the New Haven divisional office of the US Bankruptcy Court for the District of Connecticut. This branch of the US Bankruptcy Court is located in the Connecticut Financial Center at 157 Church Street on the 18th floor in New Haven.

Attorney Tim Pletter is familiar with the local court system and will help streamline the process, keeping your case on track without delays. He will be an invaluable resource and can relieve the stress and intimidation of bankruptcy court.

Why Choose Us?

The Law Office of Ambrogio, Pletter & Associates, LLC, has been helping clients get out of debt since 1982. We offer personalized service that has garnered us a reputation as a successful and reliable bankruptcy law firm. Attorney Tim Pletter can explain Connecticut’s complex Chapter 7 bankruptcy laws and advise you on your other options.

FAQs About New Haven, CT Chapter 7 Bankruptcy Laws

What Would Disqualify Me From Chapter 7 Bankruptcy?

You may be disqualified from Chapter 7 bankruptcy for several reasons. First, your income may be too high. If your household income is above your state’s maximum median income, you may not qualify. Also, if you recently filed for bankruptcy, you may have to wait before filing again. Discuss your eligibility for Chapter 7 with Attorney Tim Pletter today.

​What Is the Income Limit for Chapter 7 in CT?

The median income for CT for Chapter 7 bankruptcy is set by the US Department of Justice. The DOJ has most recently set CT’s income median at $82,141 for a one-earner household. For a family of two, the median income limit is $103,501 A family of three is $131,022, and a four-person household limit is $155,834. For each additional person over four in a household, add $11,100.

Do I Need an Attorney to File Chapter 7?

No, you don’t need an attorney to file Chapter 7. Filing without an attorney is referred to as a pro se case. It is highly recommended that you do not file pro se due to the potential for error or misunderstandings of Chapter 7 bankruptcy laws. The slightest mistake can result in your debt discharge being reversed, your case being dismissed, and even bankruptcy fraud charges.

What Three Things Are Not Dismissed Under Chapter 7 Bankruptcy?

Three things that are not dismissed under Chapter 7 bankruptcy are tax debt, student loans, and back child support or alimony payments. There are other types of debts that are not discharged under a Chapter 7 bankruptcy filing, including fines owed to other state or federal government agencies, such as traffic tickets or criminal penalties.

Will I Lose my House if I File for Bankruptcy in CT?

In Connecticut, you likely won’t lose your house when filing bankruptcy, thanks to the generous homestead exemption protecting up to $250,000 in home equity per person (or $500,000 for joint-filing couples). In Chapter 7, if your equity stays within this limit and you remain current on mortgage payments, you can keep it. Filing for Chapter 13 lets you retain the home by catching up on arrears via a repayment plan. Consult Attorney Tim Pletter for more specifics related to your situation.

Speak to an Experienced New Haven Chapter 7 Bankruptcy Lawyer

If you are drowning in debt, retaining the services of bankruptcy Attorney Time Pletter from The Law Office of Ambrogio, Pletter & Associates, LLC, might be the smartest decision you could make. Put our decades of experience to work for you. Contact our office to schedule a consultation to discuss your options for potential debt freedom.