Bankruptcy / Connecticut / Rocky Hill

Filing Bankruptcy in Rocky Hill: 7 Things You Need to Know

Written by Ben Tejes
Updated Apr 16th, 2024

You are considering filing for Chapter 7 bankruptcy or Chapter 13 bankruptcy in Rocky Hill. Bankruptcy is a common debt relief choice. In fact, many people in Connecticut have received bankruptcy relief, and Rocky Hill is no different. In fact, there were 3,336 bankruptcies filed in Connecticut in the year ending June 30, 2021 (Source). With a population of 20168, I’d estimate a fair number of those were in Rocky Hill.

The purpose of this article is to provide an extensive list of filing bankruptcy in Rocky Hill including:

  1. Chapter 7 Bankruptcy in Rocky Hill
  2. Chapter 13 Bankruptcy in Rocky Hill
  3. Rocky Hill Bankruptcy Attorney Fees
  4. Finding a Reputable Bankruptcy Lawyer in Rocky Hill
  5. Estimating Loss of Belonging (i.e.
  6. Getting Bankruptcy Help in Rocky Hill
  7. Bankruptcy Alternatives and Conclusion

Without further ado, let’s get started with Chapter 7 bankruptcy.

Chapter 7 Bankruptcy in Rocky Hill

Chapter 7 bankruptcy is the most common consumer bankruptcy in the United States. People appreciate the simplicity of Chapter 7 bankruptcy, the cost of the Chapter 7 bankruptcy, and the speed of debt relief. For example, in Rocky Hill, you could get debt relief in about 120 days with a Chapter 7 bankruptcy.

One of the challenges of Chapter 7 bankruptcy in Rocky Hill is that you have to qualify. In order to qualify in Rocky Hill, you often have to pass the Connecticut bankruptcy means test. You can estimate that qualification below in Rocky Hill. Let’s cover how you can qualify.

Chapter 7 Qualification

The first part of the means test is to understand your income in relation to the median income levels for Connecticut. It considers the average family size and income.

To estimate your qualification, you can take the Rocky Hill Chapter 7 qualification calculator below that is specific to Rocky Hill.

Finally, the most recent Connecticut median income levels is for cases filed on or after April 1, 2024, and can be found below. 

# of PeopleAnnual Income

If your income exceeds the median, you can move on to the second part of the means test to estimate qualification. The second part of the means test is to understand your actual expenses. You can check out our guide covering trying to qualify for Chapter 7 bankruptcy above the median.

For example, the average median rent amount in Rocky Hill is $1409, but let's say your rent is almost double that amount. Could you potentially still qualify for Chapter 7 bankruptcy because of those additional expenses? What you are able to state as ab expense is limited, and you can refer to the current national standard for the maximum amounts, but you may want to speak with your attorney about this situation.

Which Could Would You File In If You Live In Rocky Hill?

Rocky Hill is located in the Connecticut one district district, so our understanding is that you would be filing your bankruptcy in the Hartford bankruptcy court. Here's the estimated information we have for your court:

Hartford Bankruptcy Court
Address: 450 Main St, Hartford, CT 6103
Phone: (860) 240-3675

Does that mean you would have to drive to court?

Not necessarily. 

Please note that main meeting for a Chapter 7 bankruptcy is the 341 meeting of creditors, which is often online via Zoom or another teleconference after the COVID-19 pandemic. 

Chapter 13 Bankruptcy

Chapter 13 bankruptcy is known as a wage-earner bankruptcy. Chapter 13 bankruptcy is a voluntary reorganization of debt.  In Chapter 13 bankruptcy, the individual has debt that they can no longer manage and often own assets that exceed state and/or federal relief. Folks file Chapter 13 bankruptcy often when they do not qualify for Chapter 7 bankruptcy.  

Most individuals in Rocky Hill will qualify for Chapter 13 bankruptcy as long as they are below the debt limits.

Compared to Chapter 7, there is no liquidation in Chapter 13 Bankruptcy. Although, the discharge won’t be until around 3 to 5 years. The Chapter 13 bankruptcy will stay on your credit report for 7 years.

Rocky Hill Bankruptcy Attorney Fees

When looking for a bankruptcy attorney, we recommend that you look for these 5 attributes: Rate, Reliability, Referrals, Reviews, and Relevancy. You can check our guide to find a top bankruptcy attorney in Rocky Hill.

The estimated Chapter 7 bankruptcy lawyer fee in Rocky Hill is: $1400 - $2500.

The estimated Chapter 13 bankruptcy lawyer fee in Rocky Hill is: $3,000. The Chapter 13 attorney fee is often set across the district, meaning that all Chapter 13 bankruptcy attorneys in a district may charge around the same fee.

Rocky Hill Bankruptcy Attorneys

One of the most important things to do is to find a reputable bankruptcy attorney in Rocky Hill if you decide to hire one. This is legal advice related to finances that are going to affect your future. For example, making sure you are in the right bankruptcy chapter (Chapter 7 vs Chapter 13) could cost you thousands more and take you years longer.

Chapter 7 Bankruptcy Lawyer

As stated above, Rocky Hill has a population of 20168. In many cases, individuals in larger cities such as Bridgeport or New Haven would like a bankruptcy lawyer close by. In smaller cities, I have found that individuals have questions about whether the bankruptcy will show up in the newspaper or whether friends will hear about it. This is a valid question.

Regardless, you can check the Chapter 7 bankruptcy lawyers in or near Rocky Hill using the table below. You just need to input your zip code, and voila, you can choose which Chapter 7 bankruptcy lawyer you would like to speak to near or far away from Rocky Hill in a free bankruptcy lawyer consultation

Chapter 13 Bankruptcy Lawyer

Filing a Chapter 13 bankruptcy in Rocky Hill may be a bit more intensive, so you may consider a Chapter 13 bankruptcy that is closer to you. That said, with the internet and the pandemic, many of the meetings are now online and you can generally submit your documentation online as well.

How much a Chapter 13 bankruptcy attorney often charges is based on what's called a no-look fee. We do our best to track the Chapter 13 attorney fee in Rocky Hill.

Bankruptcy Exemptions in Connecticut

As you live in Rocky Hill, you are often able to use the Connecticut bankruptcy exemptions to help you keep your belongings.

One of the biggest questions people have is whether they are able to keep their homes in bankruptcy. This is where bankruptcy exemptions come into play. As Rocky Hill has a home ownership % of 63.5% and an estimated estimated home value of $268557, you can understand that many people want to keep this asset. You can often keep your assets using bankruptcy exemptions.

Here are the Connecticut bankruptcy exemptions. The exemptions are revised on different occasions, so you may wish to check the most current information on exemptions. Also, as a reference, Connecticut is a place that allows you to use federal bankruptcy exemptions. You often have to choose which one to use, so a bankruptcy attorney can help you with that option.

Homestead Exemption

The homestead exemption is often broken down by age and whether you are married. 

  • Single and under 65: $75,000
  • Single is 65 or older: $75,000
  • Married and under 65: $150,000
  • Married is 65 or older: $150,000

Connecticut specific homestead bankruptcy exemption text: “Conn. Gen. Stat. § 52-352b(t). Owner occupied real property, co-op or mobile manufactured home, to $75,000; applies only to claims arising after 1993, but to $125,000 in the case of a money judgment arising out of services provided at a hospital. Husband or wife may double the exemption amount.” (Source)

Jewelry Exemption

The jewelry bankruptcy exemption in Connecticut is $1,700.

Tools of Trade Exemption

The tools of the trade bankruptcy exemption in Connecticut is $2,525.

Wildcard Exemption

The wildcard bankruptcy exemption in Connecticut is $1,325.

Personal Property Exemption

The personal property bankruptcy exemption in Connecticut is $13,400.

Special Exemption Handling for Connecticut

Below is specific special handling of bankruptcy exemptions in Connecticut.

  • Wildcard: up to $12,575 based on unused homestead exemption
  • Personal: up to $625 per item with maximum of $13,400

Bankruptcy Help in Rocky Hill

Unemployment can cause both frustration and angst about options. The most recent statistic I found is that the Rocky Hill unemployment rate is 3.7%. There may be resources available to help. In addition to the unemployment rate, Rocky Hill has a disability rate of 11.8%. As such, if you are truly in need and don’t have income, there are resources that may be available that can help you.

Check out the legal aid and free resources that may be available in Rocky Hill.

Legal Aid and Free Resources

Here are some legal aid resources that may be helpful to you in Rocky Hill.

The bankruptcy court and district may have free resources that are available to you. I have included the information below. 

Lastly, Rocky Hill also has a limited English rate of 4.8% and a poverty rate of 5.2%. If you have limited English, you may check out the court websites for Connecticut for additional information on how you can be served. You can also see how filing bankruptcy without an attorney can work if you cannot afford a bankruptcy lawyer.

Courts and Districts in Connecticut

District of Connecticut

  • Richard C. Lee U. S. Courthouse
    United States District Court
    141 Church Street
    New Haven, CT 06510
  • 450 Main Street
    Suite A012
    Hartford, CT 06103
  • Brien McMahon Federal Building
    United States District Court
    915 Lafayette Boulevard
    Bridgeport, CT 06604

Debt Settlement in Rocky Hill

One of the most common alternatives to bankruptcy is debt settlement. A debt settlement firm would negotiate for a lower amount due on your debt in the case of financial hardship. The goal would be to reduce your debt in half. In this case, you would have a lower monthly payment.

If you are looking at debt settlement in Rocky Hill, you may want to consider a national debt settlement firm to a local one in Rocky Hill. For example, most of your creditors are probably national banks instead of local Rocky Hill banks. As such, you can potentially get lower fees by using a national firm. You should strongly consider the pros and cons and credit score impact before taking the plunge as Ascend only recommends 2 debt settlement firms nationwide that both offer free phone evaluations.


Chapter 7 bankruptcy and Chapter 13 bankruptcy in Rocky Hill can provide debt relief. That said, you may want to consider the cost of bankruptcy in Rocky Hill, the different bankruptcy chapters, reputable attorneys in Rocky Hill and alternatives to help you make the most informed decision. 

You can also take our Chapter 7 vs Chapter calculator below to help you estimate the cost and qualification of Chapter 7 bankruptcy and Chapter 13 bankruptcy in Rocky Hill.