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Carl  Cottone

Carl Cottone

Discover the Value of Cottone Law Office
  • Bankruptcy
  • New York, Ohio
Claimed Lawyer ProfileQ&A
Practice Area
Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Debt Relief
  • Free Consultation
    I guarantee that, after the consultation, you will know your legal options.
  • Credit Cards Accepted
    Visa and Mastercard / Credit or Debit
  • Rates, Retainers and Additional Information
    Both Chapter 7 and Chapter 13 are flat fees.
Jurisdictions Admitted to Practice
New York
New York State Office of Court Administration
ID Number: 4896544
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Supreme Court of Ohio Office of Attorney Services
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  • English
California State University - Los Angeles
B.S. (1992) | Computer Information Systems
Honors: Deans List
Activities: Intramural Racquetball and Baseball
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Professional Associations
New York State Bar
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Legal Answers
4 Questions Answered
Q. Is there a minimum repayment plan amount when filing a ch13 in NY Southern District court ?
A: The required time between a Ch 7 and a Ch 13 is four years, so you're OK there. And, since there is no requisite minimum payment and, as long as $80 is your disposable income, there shouldn't be a problem there. Also, most trustees require that any amount over a specified amount of tax refunds (possibly IRS & state combined) must be remitted to the trustee for distribution to creditors.

If you can speak with an attorney in person before filing, do so.
Q. Roomates income adding to mine for chapter 7 means test?
A: Your questions have nice Black and White answers. Yes, you count the amount he gives you for rent in Schedule I and, no, his income is NOT included in calculating the Means Test and, no, he does NOT count for household size.
Q. Chapter 7 Bankruptcy. Is it legal to contact other named creditors in advance of the meeting of creditors?
A: I am not aware of any bankruptcy rule or statutory provision that precludes creditors contacting or speaking with each other.
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Contact & Map
Cottone Law Office, LLC
195 Montague Street
14th Floor
Brooklyn, NY 11201
Cell: (614) 401-9873
Monday: 10 AM - 4 PM
Tuesday: 9 AM - 6 PM
Wednesday: 10 AM - 4 PM
Thursday: 9 AM - 6 PM
Friday: 10 AM - 4 PM
Saturday: Closed (Today)
Sunday: Closed
Notice: Saturday and Sunday by Appointment