Joseph Michael Romano Esq
Your Life Is A Contract. I write, negotiate and litigate all types of contracts
I always knew I wanted to do something in consumer protection. I started my first career out of graduate school as a policy analyst in the Office Of Public Safety for The Mayor of The City Of Los Angeles. I helped increase the quality of life of 12 million Angelenos and did not know any of them. So, I decided to move back to Cleveland to help the people I grew up with, saw on a daily basis, shared interests and cares with, and came to know and call friend.
II went to law school to do just that. Corporations don't need help. They have high-priced lawyers in really tall buildings that charge them a lot of money to help them when they get in trouble. I have always worked for "the people." That's just where my heart is.
I help people with financial troubles, navigating through Chapter 7 and and Chapter 13 bankruptcies to help them save their homes from foreclosure, cars from repossession, and stop lawsuits and garnishments. I also represent people who bought crappy cars from used car dealers, had home renovations done from horrible companies, and were taken by foreclosure "rescue companies" that take your money and do nothing for you.
Unlike other attorneys who are located in other parts of Ohio, and have an empty office in Cleveland so it looks good for Google, I am a REAL attorney and I have a REAL office and I will meet you IN PERSON to discuss your issues - because I LIVE and WORK IN the Greater Cleveland Area.
If you've been defrauded out of your hard-earned money you need to enforce your rights. I will do what I can to help anyone out of a jam. If I cannot, I will find you someone who can.
~Joe
- Bankruptcy
- Consumer Law
- Entertainment & Sports Law
- Business Law
- Landlord Tenant
- Real Estate Law
- Small Business Consulting
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Free Consultation
The first hour to evaluate your case is always free for Bankruptcy and Consumer Protection issues. -
Credit Cards Accepted
I accept payment by credit card and debit card via PayPal.
- Ohio
- 6th Circuit
- Northern District of Ohio Federal Court
- Southern District of Ohio Federal Court
- English: Spoken, Written
- Co-Chairperson
- William J. O’Neill Great Lakes Regional Bankruptcy Institute
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- Case Western Reserve University School of Law
- J.D. (2001) | Law
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- Honors: NITA, Mock Trial Competition, Regional Champion
- Activities: Student Representative, 1998 - 1999, 1999 - 2000 Ault Mock Trial Team, 2000 - 2001 Manager, Moot Court Team, 2001
- University of Southern California
- Master of Public Administration (1997) | Judicial Administration
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- Activities: Graduate House Advisor at USC Office of Student Life
- Bowling Green State University
- B.A. (1994) | Political Science
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- Activities: Phi Sigma Kappa Fraternity
- Rising Star
- Ohio Lawyers Magazine
- Awarded to the top 2.5% of attorneys under the age of 40 for outstanding practice.
- Rising Star
- Ohio Lawyers Magazine
- Awarded to the top 2.5% of attorneys under the age of 40 for outstanding practice.
- NFL Players Association
- Registered Agent
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- National Association of Consumer Bankruptcy Attorneys
- member
- - Current
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- Ohio State Bar
- Member
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- Cleveland Metro Bar Association
- Member
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- Activities: Member of the Bankruptcy Section
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- American Bar Association
- Member
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- Columbus Credit Education Coalition
- Member
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- “Legal Information Pamphlet” on Personal Bankruptcy
- Ohio State Bar Association
- Bankruptcy Issues in State & Municipal Court - Update , Continuing Legal Education for Magistrates & Judges , Video Teleconference/Web Conference
- Ohio Judicial College
- Bankruptcy Issues in Municipal/Common Pleas Courts , Continuing Legal Education , Video Teleconference/Web Conference
- Ohio Judicial College
- At The Intersection Of Domestic Street and Bankruptcy Avenue , Annual CLE Program , College of Wooster - Lean Lecture Room
- Wayne County Bar Association
- The Impact of Bankruptcy on Civil Cases, Spring Conference , Spring Conference , Cherry Valley Lodge, Newark, OH
- Ohio Association of Magistrates
- Consumer Bankruptcy: The Basics of Chapter 7 and Chapter 13 , Continuing Legal Education Seminar , Columbus, OH
- National Business Institute
- Registered Agent
- NFL Players Association
- Website
- The Romano Law Firm
The Romano Law Firm
- Q. Hello David. My question would be should the garnishment been taken out of my short term disability ?
- A: There is no exemption in Ohio to protect short term disability payments (received from an insurance company, I presume) from being attached. The only way you can get it back would be to file a bankruptcy (presuming you are having financial difficulties (consult a bankruptcy attorney) and getting the money back as a preference payment, presuming a Chapter 7 Trustee abandons it. A lot of jargon in this response. Consult an attorney if bankruptcy is an option.
- Q. Are you legally required to continue paying charges on a credit card if the cardholder files bankruptcy?
- A: I presume "they" are the card holders and "they" filed a bankruptcy. Is this correct?
- Q. If my car is in a chapter 13. If the car is payed off will a trustee adjusts payments accordingly
- A: No. Your payment is your payment unless you file a motion to modify your plan payment. That is an entirely different question. The money you pay to the Ch. 13 Trustee just goes to pay off the other creditors of your case, based on how your Chapter 13 plan is structured.
