Business Details
23 Years
experience
Your Trusted Cleveland Bankruptcy Attorney
Romano Law Firm has been dedicated to helping individuals, families, and small businesses navigate financial challenges since 2003. Our practice focuses on providing personalized bankruptcy solutions tailored to each client's unique circumstances. With nearly two decades of experience, we specialize in Chapter 7, Chapter 13, Chapter 11, and Subchapter 5 bankruptcy proceedings, as well as adversary proceedings. Our founder, Joe Romano, brings a deep understanding of consumer protection and debt resolution, having successfully represented hundreds of clients in complex bankruptcy cases.We prioritize direct client access, transparent communication, and strategic legal guidance to achieve favorable outcomes. Our commitment to excellence is reflected in our track record of successful defenses and appeals in bankruptcy courts across Ohio. We operate with integrity, offering free initial consultations to ensure clients receive informed, ethical representation. Our team combines legal expertise with a compassionate approach to help clients regain financial stability and move toward a secure future.
Services
Chapter 13 Bankruptcy
Chapter 7 Bankruptcy
Chapter 11 Bankruptcy
Adversary Proceedings
Subchapter 5 Bankruptcy
Details
- Year established: 2003
Highlights and features
- We offer free initial consultations with no obligation.
- Our founder has 18+ years of specialized bankruptcy experience.
- Clients receive direct access to attorney Joe Romano.
- We provide tailored legal strategies for individual circumstances.
- Proven track record in complex bankruptcy cases and appeals.
What people say
Extremely professional
Saved me time and money
Diligent representation
Compassionate approach
Successful case outcomes
Services
Chapter 13 Bankruptcy
Chapter 13 bankruptcy allows individuals to create structured repayment plans for debt relief. Our firm helps clients protect assets while reorganizing financial obligations through court-approved payment schedules lasting 3-5 years. We guide clients through creditor negotiations and court proceedings to achieve sustainable debt solutions.
Chapter 7 Bankruptcy
Chapter 7 bankruptcy provides debt discharge through asset liquidation. We assist clients in determining eligibility through means testing and help protect exempt assets like homesteads and retirement accounts. Our team manages creditor interactions and court processes to ensure efficient debt elimination for qualifying individuals.
Chapter 11 Bankruptcy
Chapter 11 bankruptcy enables businesses to restructure debts while continuing operations. We develop court-approved reorganization plans that balance creditor interests with business sustainability. Our expertise includes navigating complex court requirements and protecting business assets during restructuring processes.
Adversary Proceedings
Adversary proceedings address disputes within bankruptcy cases. We represent clients in litigation matters such as fraudulent transfer defenses and mortgage stripping. Our approach combines bankruptcy law expertise with courtroom experience to protect client interests in complex legal disputes.
Subchapter 5 Bankruptcy
Subchapter 5 provides streamlined bankruptcy options for small businesses. We help qualifying entities with debts under $2.7 million reorganize through expedited processes. Our services include developing reorganization plans that maintain business operations while addressing creditor claims efficiently.
People
Joe Romano
Founding Attorney
Joe Romano has practiced bankruptcy law since 2002, founding Romano Law Firm in 2003. A former policy analyst and NFL agent, he brings diverse experience to debt resolution. He has argued landmark cases affecting national bankruptcy precedents and maintains active memberships in multiple legal associations.
Questions
Will bankruptcy ruin my credit forever?
Bankruptcy impacts credit scores temporarily. Most clients can rebuild credit within 1-3 years through responsible financial management after debt discharge.
Will I lose all my possessions in bankruptcy?
Exempt assets like primary residences and retirement accounts are protected under Ohio bankruptcy laws. Our team helps maximize asset protection during proceedings.
What are the differences between Chapter 7 and Chapter 13?
Chapter 7 involves asset liquidation for debt discharge, while Chapter 13 creates structured repayment plans. Eligibility depends on income levels and debt types.
How long does the bankruptcy process take?
Chapter 7 typically completes in 4-6 months, while Chapter 13 requires 3-5 years of payments. Subchapter 5 cases often resolve faster due to streamlined procedures.
Can I file bankruptcy without an attorney?
While legally possible, bankruptcy's complexity makes professional representation strongly advisable to avoid procedural errors and maximize debt relief opportunities.
