Foreclosure Attorneys in Waterbury, CT 

Here to Help You Obtain Effective Debt Relief & Save Your Home

At the Law Office of George C. Tzepos, we stand by homeowners facing the daunting prospect of foreclosure. Our unwavering commitment to our clients and deep understanding of foreclosure law have allowed us to help countless individuals and families throughout Connecticut stay in their homes and secure their financial futures.  

With an impressive track record and years of experience, our team of dedicated foreclosure attorneys has successfully guided clients through the complex Chapter 13 bankruptcy process. We don't just provide legal solutions; we offer a lifeline for those seeking to protect their homes and rebuild their lives.

Opting to work with our firm provides you with more than just outstanding legal assistance. It also offers you the comfort of peace of mind. Our skilled attorneys will work tirelessly to safeguard your home and preserve your credit rating. Our role isn't merely to steer you through the intricacies of the law; we're here to serve as your dependable advisers, offering crucial assistance and direction at every stage of the process.

Take the first step to a brighter future. Contact our team online or via phone at (203) 433-6780 to request your free initial consultation.  


Understanding Chapter 13 Foreclosure 

Bankruptcy is a multifaceted legal procedure that can offer a new beginning for individuals grappling with significant debt. One of the most common forms of bankruptcy filed by individuals and small businesses is Chapter 13.

Using Chapter 13 Bankruptcy to Stop CT Foreclosure

Chapter 13 bankruptcy is a great option for those who want to avoid foreclosure on their homes or prevent repossession of their cars. It can also stop wage garnishments and potentially discharge some debt at the end of your repayment period.

Chapter 13 bankruptcy, also referred to as the "wage earner's plan," provides individuals who have a consistent income with a mechanism to formulate a strategy to repay all or a portion of their outstanding debts. This contrasts with Chapter 7 bankruptcy, which involves liquidating and selling your assets to settle your debts. Instead, Chapter 13 offers the benefit of retaining ownership of your property while gradually paying down your debt, typically over a span of three to five years.

It is important to note that Chapter 7 bankruptcy can also be an option for those seeking to stop foreclosure. Chapter 7 bankruptcy does allow the discharge of debts like medical expenses and certain kinds of loans.

To qualify for Chapter 13 bankruptcy, you need to demonstrate that you're capable of meeting the requirements of the repayment plan. Therefore, this type of bankruptcy is most suitable for individuals who have a steady stream of income.

Before filing, you will also be required to complete credit counseling from an office approved by the U.S. Trustee’s office. You will also need to: 

  • Complete several forms detailing your debts, income, expenses, and assets and pay the application fee. 
  • Propose a repayment plan that details how you will pay each of your debts.
  • Work with your assigned bankruptcy trustee, who will be appointed to oversee your case.
  • Participate in a confirmation hearing, during which a judge will make a decision to either endorse or reject your proposed repayment strategy.

Given the complexities involved, hiring an experienced bankruptcy attorney is highly recommended. The cost of a bankruptcy attorney varies, but it's important to consider this an investment in your financial future and in safeguarding your home.

You should also be aware that after filing for Chapter 13 bankruptcy, you're expected to live on a strict budget while you repay your debts. It's crucial to stick to your repayment plan and avoid taking on new debt. While a Chapter 13 bankruptcy may stay on your credit report for a maximum of seven years, a lot of individuals begin the process of credit restoration shortly after their bankruptcy has been cleared.

Our Waterbury Attorneys Are Here to Help 

The Law Office of George C. Tzepos is steadfastly dedicated to homeowners on the precipice of foreclosure. We don't just offer legal solutions; we extend a helping hand to those seeking to secure their homes and rebuild their lives.

What truly separates us from others is our personalized approach. We believe in creating strong attorney-client relationships and investing time to comprehend each unique situation. This allows us to adapt our strategies to suit your specific needs, aiming for the most favorable outcome.

We offer flexible payment plans and are committed to providing clients with reasonable payment options and fee structures. Backed by over 35 years of experience, you can trust our team to offer you tailored counsel throughout the filing process.

Learn more about how our Waterbury foreclosure attorneys can help you. Call (203) 433-6780 today. 


  • “People surely don’t have his level of honesty, respect and care that’s needed to get us through some of these joyful, scary, or difficult times in our lives.” - L.G.
  • “Kind, down-to-earth, and he gets the job done quickly.” - Gizelle
  • “Very nice guy, super down to earth and easy to get along with, yet thorough.” - Matthew