Chapter 13 Bankruptcy

Chapter 13 Bankruptcy Lawyer in Cleveland

Cleveland Bankruptcy Law Firm Handling Chapter 13 Filings for Over 17 Years

At The Romano Law Firm, our primary objectives are to protect your best interests and give you peace of mind throughout the bankruptcy process. We understand that you are under a great deal of stress, and it is our mission to lighten your load by providing clear, thoughtful counsel and strategic representation on your behalf. Our empathetic approach sets us apart from large bankruptcy firms with thousands of other clients, as do our many years of experience and in-depth knowledge of the rules of bankruptcy procedure, civil procedure, evidence, and so forth.

Since 2003, our firm has helped many individuals, families, and businesses navigate various financial crises, and we are prepared to do the same for you – starting with a free consultation.


Call (216) 238-0880 today to speak to Cleveland bankruptcy attorney Joe Romano, Esq., and schedule your free, no-obligation consultation (a $500 value at no cost to you).


Is Chapter 13 Bankruptcy Right for You?

In order to be eligible for Chapter 13 bankruptcy, the following must be true:

  • You are filing as an individual or part of a married couple.
  • You have completed credit counseling.
  • You have submitted or are willing to submit a complete list of all your creditors, including the amount you owe to each.
  • You are employed and able to provide information about your income. (Self-employed individuals may also file.)
  • You have large assets you wish to protect, such as real estate or other real property.

Chapter 13 bankruptcy may be a favorable solution for you and your loved ones if you are unable to continue paying off your debts due to a financially devastating life event, such as:

  • Job loss and inability to find comparable employment
  • Death of a family member, especially if the deceased person was the primary breadwinner
  • Serious and costly medical issues, such as cancer

What Happens in Chapter 13 Bankruptcy?

During Chapter 13 bankruptcy, the court will supervise the reorganization of your debts. This process requires you to create and submit a repayment plan that will allow you to pay back at least as much of your debt as you would if filing for a different form of bankruptcy. Your repayment plan must span between three and five years, during which time you will make agreed-upon payments to an impartial, third party called a trustee, who will then distribute payments among your creditors. Once the court approves your repayment plan, you will not have to interact with your creditors at all.

Can I File for Chapter 13 Bankruptcy Without Hiring an Attorney?

No. There are certain times in life when it pays to bring in an expert – and bankruptcy is one of them. You should always consult an attorney before filing for bankruptcy, even if you feel certain that Chapter 13 bankruptcy is the way to go.

Call (216) 238-0880 or send us a message to schedule your free consultation with our Cleveland bankruptcy attorney, Joe Romano, Esq.

Our Clients Matter Most

Client Testimonials
  • No regrets!

    “He was so interested to listen to my concerns and ever more on helping me figure and fix things out! Truly the perfect bankruptcy attorney to fill your needs!”

    - Yho V.
  • Joe Romano did a great job for me.

    “He's knowledgeable, he's diligent, and he fought hard for me. I wouldn't hesitate to recommend him to anyone who needs legal help.”

    - Zeke R.
  • Extremely professional and prompt.

    “Mr. Romano was extremely professional and prompt in helping to resolve my matter. I am very grateful to have stumbled upon his services while browsing for representation on the internet.”

    - Jeff M.
  • Mr. Romano has worked with my family on several matters.

    “We have worked with him for over 7 years now and he comes highly recommended.”

    - Paula G.
  • What a great lawyer!

    “Joseph saved me tens of thousands with my bankruptcy. I wouldn't hesitate to recommend him to anyone.”

    - Kristina B.
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Results That Prove Themselves

Notable Cases
  • Successful Judgment Dawson v. J&B Detail

    Court determination that "On-Time Pay System" (kill-switch) is an attempt to collect a debt and must be removed from a vehicle upon the filing of a Ch. 13 bankruptcy)

  • Successful Defense Jennings v. Bodrick

    Creditor argued that debtor was in on a Nigerian scam to invest in the international sale of auto parts.

  • Successful Defense Rhiel v. Seye (In re Kebe)

    Represented the 3rd party co-owner of property, showing that value of property to Seye outweighed the value of the property to the creditors of the debtor's bankruptcy estate.

  • Successful Defense Thomas v. Kuhn

    Successful defense of a title company in a trustee's efforts to invalidate a mortgage and take property of debtor for benefit of creditors of the debtor.

  • First Circuit Court Level Decision In re Davis

    Sixth Circuit found that debtor's filing Chapter 13 bankruptcy are permitted to continue deductions made from payroll into retirement in the Means Test and can continue to fund the retirement plan throughout the life of the chapter 13 plan provided the debtor was doing so prior to the filing of the Chapter 13.

  • Successful Appeal In re DeVito

    When a Ch. 13 plan is filed it becomes the plan, superseding all previously filed plans. Court was wrong to dismiss case based on the non-confirmability of a chapter 13 plan that had been amended

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A Promise to Our Clients

What You Can Expect
  • Free Consultations

    Whether it's in person or through phone or video, your first initial consultation with us is free!

  • Results-Driven Legal Strategies

    With a strategy put in place after evaluating your case, Attorney Joe Romano can get you the results you need.

  • Direct Access

    When you call our office, don't expect to be passed around. You will get direct access to our attorney to speak about your case.

  • Knowledge & Experience

    With nearly two decades of experience, Attorney Joe Romano is equipped with the knowledge to handle the toughest of bankruptcy cases.

Ready to Take the First Step?

Our team is ready to help you get started with your bankruptcy matter. Request a free consultation today to discuss your case.