Assess Your Financial Situation
Compile all debts, assets, income, and expenses to determine if Chapter 7 or Chapter 13 bankruptcy is right for you in Torrington.
Facing financial challenges in Torrington or Northwest Connecticut? The Nicholas Law Firm’s expert bankruptcy attorneys guide you through Chapter 7 and Chapter 13 filings for debt relief.
Free Consultation1.2M
Personal bankruptcy filings in the U.S. in 2022, including many in Connecticut.
70%
Of filings are Chapter 7, offering debt relief through asset liquidation in places like Bristol and Torrington.
$1.5T
Consumer debt discharged annually through bankruptcy, helping clients in Northwest Connecticut.
Follow these steps to prepare for a bankruptcy filing in Torrington, Waterbury, or Northwest Connecticut to ensure a smooth process under federal and Connecticut law.
Compile all debts, assets, income, and expenses to determine if Chapter 7 or Chapter 13 bankruptcy is right for you in Torrington.
Take a mandatory credit counseling course from an approved agency within 180 days before filing, as required by 11 U.S.C. § 109(h).
Collect tax returns, pay stubs, bank statements, and debt records for your bankruptcy petition in Northwest Connecticut.
Review Connecticut’s exemptions to protect up to $250,000 in home equity and personal property in bankruptcy.
Call (860) 489-1878 for a free consultation to navigate your bankruptcy in Torrington.
The Nicholas Law Firm specializes in bankruptcy filings in Torrington, and Litchfield County, offering expert guidance on Chapter 7 and Chapter 13 for debt relief.
Our attorneys have a strong track record of guiding clients through bankruptcy in Torrington, Waterbury, and Northwest Connecticut.
Deep knowledge of the U.S. Bankruptcy Code and Connecticut exemptions ensures effective strategies for debt relief in Hartford and beyond.
Tailored advice for Chapter 7 or Chapter 13 filings, ensuring compliance with all legal requirements in Northwest Connecticut.
We offer affordable legal services with no upfront fees, ensuring accessible bankruptcy support in Torrington and Waterbury.
Connecticut’s homestead exemption protects up to $250,000 of home equity in bankruptcy, helping you keep your home in Torrington or Waterbury.
Our bankruptcy lawyers in Torrington help you achieve financial relief through Chapter 7 or Chapter 13, maximizing protections under Connecticut law.
Eliminate unsecured debts like credit cards and medical bills in Chapter 7 bankruptcy for clients in Northwest Connecticut.
Stop creditor actions, including foreclosures and wage garnishments, upon filing in Torrington and Waterbury.
Restructure secured debts like mortgages or car loans over 3-5 years in Chapter 13 bankruptcy in Connecticut.
Protect your home and personal property using Connecticut’s exemptions in bankruptcy filings.
Individuals typically file for Chapter 7 (liquidation) or Chapter 13 (repayment plan), depending on income and debt levels. Our attorneys in Torrington and Waterbury can guide you.
Chapter 7 bankruptcy stays on your credit report for 10 years, while Chapter 13 remains for 7 years, impacting your credit in Torrington and beyond.
Yes, Connecticut’s homestead exemption protects up to $250,000 in home equity, and Chapter 13 allows mortgage payment restructuring.
Not all debts are dischargeable. Student loans, recent taxes, and child support are non-dischargeable. Our bankruptcy lawyers can clarify what applies in your case.
Our bankruptcy attorneys in Torrington guide you through Chapter 7 or Chapter 13 filings, ensuring compliance and maximizing protections under Connecticut law.
Assess your financial situation to recommend Chapter 7 or Chapter 13 bankruptcy based on your income, assets, and debts in Northwest Connecticut.
Assist with preparing and filing accurate bankruptcy petitions, schedules, and statements for courts in Torrington.
Communicate with creditors to manage claims and enforce the automatic stay in Connecticut bankruptcy cases.
Represent you in bankruptcy court hearings, including the meeting of creditors, in Northwest Connecticut.
Maximize exemptions to protect your home, vehicle, and personal property under Connecticut law.
Real Stories.
4.8 out of 5 based on Google
When it comes to high standards, The Nicholas Law Firm has set the bar extremely high. They took on my injury case and helped me get my life back on track, something I am truly grateful for and find humbling. I highly recommend Jeff and the entire Nicholas Law Firm team to anyone needing help to overcome life’s toughest obstacles. Greatest thanks to everyone at The Nicholas Law Firm!
If not for this attorney when my life was upside down, I don't think I'd be where I am today. I used both offices Wtby and Torrington. He made me feel right at home. He fought endless hours against a company known to have attorneys working for them and always winning. WELL NOT ANYMORE. I SEND EVERYONE TO HIM. He fights and fights AND WINS.
I had a complicated case involving multiple insurances, lawyers, and injuries. They handled everything, including Medicare issues, and even resolved a child support payment problem caused by the insurance, preventing legal trouble. They also resolved my Social Security issue without a hearing and assisted with a small family matter. Truly an outstanding law office.
I called Jeff, and the next day, and he followed up right away, helping me resolve the issue with no impact on my insurance. I’ve learned my lesson and won’t be speeding anymore, but if I ever need legal expertise again, I’ll call Jeff immediately. He is knowledgeable, caring, easy to work with, and truly the best.
Thank you to Cindy at the law office for being so informative about our situation and guiding us in the right direction. Your support made a stressful time much easier to navigate.
Unos abogados con una buena reputación, confiable y con un excelente desempeño laboral ,si tienes un problema de ley no dude en ir a "The Nicholas Law Firm".
Attorney Nicholas and his team have provided me with legal advice and assistance on several occasions. The firm is knowledgeable, efficient, and completed all services I requested in a timely manner. I highly recommend Attorney Nicholas to anyone seeking a competent attorney who truly goes the extra mile for his clients.
First, I want to say that I am blessed to have Attorney Jeff Nicholas and his law firm representing me. They have been patient and reassuring during the tough times of surgery and the ongoing battle with workers’ compensation. They have represented me for over 14 years, and although the fight isn’t finished, I know I am in good hands and that they are working for what’s best for me and my family. Many thanks!
After feeling like the insurance company was taking advantage of me, I contacted The Nicholas Law Firm. Not only were they kind and professional, but they also explained everything fully and simply to me, and more than doubled my original expectations for the settlement.
I can't say enough about attorney Nicholas. Ever since Jeff took on my Workers Comp case I couldn't be happier. His knowledge, experience, and staff are awesome. I would highly recommend attorney Nicholas to anyone. As it say on his billboard, "we got your back",and he absolutely does.
Proven Success in Securing Compensation
$1,333,672
Closed head injury with concussion and traumatic brain injury, improved with treatment over time; no surgery required.
$1,295,000
Motor vehicle accident resulting in a wrongful death claim, with compensation obtained for the estate and surviving family.
$1,100,000
Injured as a passenger in a motor vehicle accident, sustained multiple fractures requiring surgery, and made a strong recovery.
$1,000,000
Low back injury with multiple surgeries, additional knee surgeries, and early retirement due to ongoing disability.
$900,000
Client’s workplace head trauma caused permanent damage, with settlement addressing long-term care needs.
$850,000
Passenger in a head-on collision, sustained fractures requiring surgeries and made a good recovery
$850,000
Decedent was passenger in motor vehicle that was struck by hit and run Defendant driver who fled the scene.
$840,000
Passengers injured by a DUI driver; bars notified. One required triple-level cervical fusion, the other sustained significant scarring.
$750,000
Motorcycle passenger accident resulting in wrongful death; policy limits fully recovered.
$688,000
Rear-end work truck accident causing neck and lower back injuries requiring lumbar fusion.
$680,000
Low back injury with multiple surgeries; received Social Security benefits before ultimately returning to work.
$629,569
Fully contested case involving a back injury from an accident; required surgeries, went to a formal hearing where we prevailed, and the client made a good recovery.
$610,000
Head injury with concussion, inner ear damage, memory issues, chest pain, lower back spasms, and multiple injuries to hip, knee, and broken ankle.
$593,000
Work-related knee injury requiring total knee arthroscopy, followed by infection and multiple corrective surgeries.
$575,000
Severe injuries to head, vision, back, shoulder, hip, and leg, causing constant pain and lasting daily limitations.
Contact us
We're There Every Step of The Way
We've earned the trust of thousands across Connecticut because we combine compassionate support with legal excellence. Here's why clients choose us when it matters most.
You deserve justice without worrying about upfront legal bills. We only get paid if we secure compensation for you.
We live and work in the same communities you do. From Torrington to Waterbury and beyond, we know the local courts, judges, and insurers inside out.
Injuries don't wait, and neither do we. Day or night, holiday or weekend, you'll always reach a real person who's ready to help.
We take time to learn your story, understand your pain, and treat you like family. You'll know your attorney—and we'll know you.
We've recovered millions for injury victims and earned 5-star reviews from people just like you. Our results speak for themselves.
From paperwork to negotiating with insurance companies, we do the heavy lifting. You focus on your recovery—we'll take care of the rest.
