Bankruptcy Law in Waterbury, CT – Helping You Regain Control of Your Finances
Skilled Bankruptcy Legal Help for Waterbury Residents
If mounting debt has left you feeling overwhelmed in Waterbury, you don’t have to face it alone. At the Law Offices of Mark M. Kratter, LLC, we provide clear, personalized legal support to help you understand your options under federal bankruptcy law. Whether you’re dealing with credit cards, wage garnishments, or foreclosure threats, we help you determine if Chapter 7 or Chapter 13 bankruptcy is the right step forward and guide you through every stage of the bankruptcy process with compassion and clarity.
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We break down complex bankruptcy basics to help you understand your rights and obligations under Title 11 United States Code and the bankruptcy code.
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Our firm handles every step of the bankruptcy process, from filing a bankruptcy petition to representing you in bankruptcy court—all tailored to your unique situation.
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Whether you’re pursuing Chapter 13 bankruptcy with a structured repayment plan or seeking a full discharge under Chapter 7, we help protect your property and financial future.
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We offer strategic legal support rooted in the federal rules of bankruptcy and rules of bankruptcy procedure, ensuring your bankruptcy case is prepared for success.
Why Waterbury Residents Choose Us for Bankruptcy Guidance
- Financial stress can feel isolating—especially when collection calls, threats of foreclosure, and unpaid credit cards pile up. In Waterbury, our clients often come to us uncertain whether bankruptcy under chapter 7 or 13 is even an option. We clarify what’s possible, explain the types of bankruptcy available, and help you choose a solution that aligns with your long-term goals.
- The thought of dealing with the bankruptcy court can be intimidating. That’s why we manage the legal process for you, ensuring your documents are accurately filed and your rights are protected under the federal bankruptcy law. You won’t have to navigate the legal system or interact with the court system alone—we stand with you throughout.
- Our Waterbury clients benefit from our deep knowledge of the
rules of bankruptcy procedure and our careful attention to deadlines, hearings, and asset protection. Whether we’re helping you catch up on mortgage payments through a
repayment plan or discharging unsecured debt through
Chapter 7, our goal is the same: a better, more stable future for you and your family.
FAQs for Bankruptcy Law in Waterbury, Connecticut
What’s the difference between Chapter 7 and Chapter 13 bankruptcy?
Chapter 7 eliminates many unsecured debts quickly, while Chapter 13 involves a court-approved repayment plan that helps you catch up on debts over time.
How do I begin the bankruptcy process in Waterbury?
It starts with a consultation. We’ll evaluate your situation, explain your options, and prepare your bankruptcy petition for submission to the United States Bankruptcy Court.
Am I required to attend court in a bankruptcy case?
You’ll typically attend a meeting with the trustee (the 341 meeting), but most clients do not need to attend formal court hearings. If required, we represent you directly in bankruptcy court.
Can I stop foreclosure or repossession by filing for bankruptcy?
Yes. An automatic stay goes into effect once you file, halting most collection actions, including foreclosure and repossession, under federal bankruptcy law.
What debts can be discharged in bankruptcy?
Many unsecured debts like credit cards, personal loans, and medical bills can be discharged under Chapter 7. Some debts, such as student loans and recent taxes, may not be.