Waterbury Chapter 7 Bankruptcy Lawyer

Waterbury Chapter 7 Bankruptcy Attorney

For many individuals with a lot of debt, filing for Chapter 7 bankruptcy is the right way to get a fresh financial start. The process can be very complicated, however. You must follow the federal Chapter 7 bankruptcy laws, file paperwork correctly, and deal with other complex problems. A Waterbury Chapter 7 bankruptcy lawyer can guide you through each step and help you assess the usefulness of this form of bankruptcy for your financial situation.

Skilled Legal Guidance for Chapter 7 Bankruptcy Cases in Waterbury

With the help of the Law Office of Ambrogio, Pletter & Associates, LLC, you can navigate the bankruptcy process with confidence. Our firm has handled hundreds of bankruptcy cases, and Attorney Tim Pletter has 30 years of experience in resolving the debt of individuals like you. There are options to avoid predatory creditors and clear some or all of the debt you owe, and Tim Pletter can look at your financial situation to determine if Chapter 7 bankruptcy is right for you.

It isn’t easy to deal with significant debts, and it can also be frustrating to navigate the bankruptcy process. We can help make it easier, guiding you through each step and filing your case with the U.S. Bankruptcy Court in New Haven.

Chapter 7 Bankruptcy in Waterbury, CT

When you file for Chapter 7 bankruptcy as an individual, you can discharge certain types of unsecured debt entirely, making you no longer responsible for the debt. This type of bankruptcy is most effective for non-consumer or business debts. For consumer debts, individuals must pass a means test to qualify.

The average individual in Connecticut with a credit score in 2024 owed $66,600 in debt. When you are financially struggling because of your debts, bankruptcy can help you clear debts such as:

• Consolidation loans
• Credit card debts
• Medical bills
• Small Business Association loans
• Car repossession debts
• Creditor judgments

In a Chapter 7 filing, the court typically appoints a trustee to oversee the process. This trustee liquidates your assets and uses those funds to cover your debts. Only exempt assets will not be sold. After this process finishes, your debts are discharged. Creditors cannot contact you about the debt.

During the twelve-month period ending on June 30, 2025, 83.4 percent of all bankruptcy cases filed in Connecticut were Chapter 7 bankruptcy cases. For New Haven County, there were 26 Chapter 7 business cases filed. The process of discharging your debts takes only a few months, making it one of the fastest types of bankruptcy. If you need help with a Chapter 7 bankruptcy in Waterbury, CT, contact a knowledgeable attorney.

If your debts are primarily non-consumer, such as being business-related, you don’t have to meet the means test. Consumer debts do have to meet the means test, which looks at your monthly income in comparison to the state income median. In Connecticut, for bankruptcy cases filed in or after November 2025, the state medians that apply are:

• $82,141 for single earners
• $103,501 for families of two
• $131,022 for families of three
• $155,834 for families of four
• An additional $11,100 for each household member after four

Generally, if your income is under the state median, you likely pass the means test. If your income is higher than the median, you could still qualify with certain financial circumstances, such as having required expenses.

Attorney Tim Pletter can review your income for the past six months and analyze the results of your means test. Our team tells you what information you need to file and uses the resulting analysis to explain the right options for addressing your debt. We guide you through each step, from filing to preparing and attending the financial information hearing.

FAQs About Waterbury, CT Chapter 7 Bankruptcy Laws

How Much Does It Cost to File for Chapter 7 Bankruptcy in Connecticut?

The cost of filing for Chapter 7 bankruptcy in Connecticut includes fees such as the petition fee of $338. This fee includes administrative fees, trustee surcharges, and filing fees. Additional costs may apply to your unique situation. It is understandable to worry about this and other court costs when you are already dealing with a difficult and stressful financial situation. You may also need to consider the cost of an attorney, which can help your petition be successful.

What Debts Are Not Dismissed Under Chapter 7 Bankruptcy in Waterbury?

There are certain debts that are not dismissed through Chapter 7 bankruptcy in Waterbury, including alimony or spousal support, child support, and specific owed taxes. Additionally, you cannot dismiss debts which are loans from a governmental unit, educational benefits overpayments, malicious injury to a person or property, injury or death caused by impaired driving, or some court-ordered criminal restitution.
There are also certain debts that a creditor can petition and argue to make non-dischargeable.

How Much Debt Do You Need to File a Chapter 7 Bankruptcy in Waterbury?

You do not have to have a certain amount of debt to file for Chapter 7 bankruptcy in Waterbury. Instead, you should assess if it is the ideal resolution for your debt given your financial situation. There are benefits if you have significant debt you can’t repay, but there can be negative financial consequences from filing for bankruptcy when you have other options. Speak with a Chapter 7 bankruptcy lawyer like Tim Pletter to assess if it is right for you.

How Can You File Chapter 7 With No Money in Connecticut?

There are options to file Chapter 7 bankruptcy in Connecticut for no money, but there are costs at other parts of the process to consider. You can request the court to waive filing fees and court fees if your income is less than 150% of the poverty level and you cannot pay the fees in installments. It’s also important to understand that filing for Chapter 7 usually does not result in the loss of assets.

Hire a Chapter 7 Bankruptcy Lawyer Today

You don’t have to file for bankruptcy alone. The Law Office of Ambrogio, Pletter & Associates, LLC, can help with your bankruptcy case. You deserve support, and we have the experience and resources to provide that support. If you think filing for bankruptcy is the most useful way to get a new start, a skilled Waterbury Chapter 7 bankruptcy attorney like Tim Pletter can advise you on those benefits. Reach out to our firm today.