Personal Injury Facts

Did you know that more than 2.5 million people visit the emergency room each year due to automobile accidents and nearly 20% of those injured people choose not to commence a lawsuit because they do not realize the extent of their injuries.  Please understand you have two years from the date of your accident to commence a personal injury lawsuit. So if you find yourself still feeling pain and seeking medical treatment prior to two years after your accident you still may be able to commence a lawsuit to cover your medical bills due to an accident which was not their fault.  

A major issue we have in the Danbury area are vehicle owners who cause accidents not carrying insurance or not carrying enough insurance.  Each month the Romanello Law Firm meets with clients who have been injured in a car accident to only find out the party that caused the accident was uninsured or underinsured.

Do not let that be the determining factor in deciding whether you should commence a lawsuit to pay for your out of pocket expenses, medical bills and to also be compensated for your pain and suffering.  If you find out that the party that caused your accident does not have insurance that does not mean you cannot sue.

A little known fact is that most of our insurance policies have a section of coverage that allows us to be compensated when we are injured by an at-fault party who is either uninsured or underinsured.  This allows us to be compensated for our injuries and pain and suffering even if the other party has no insurance.

So if you have been in an automobile accident come visit Joe Romanello at the Romanello Law Firm for a free consultation.  We have successfully represented hundreds of personal injury claims in the Danbury and Fairfield County area for the past 19 years.

JoePersonal Injury Facts
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The Time to Buy Your Family Home is Now!

Mortgage rates have been dropping since the beginning of December 2019.  In fact the Federal Reserve has dropped the rate 3 times this year. Forecasters are now predicting an average Mortgage Interest Rate of 3.7% for the Year 2020.  That 3.7% Interest Rate would translate into a monthly savings of approximately $140.00 on a 30-year fixed $300,000.00 mortgage 

Further, according to Zillow, Fairfield County home prices rose 0.5% last year and they are only predicted to rise 0.4% in 2020.   Unfortunately for people selling their homes it is still a Buyer’s market. But for the first time in awhile a buyer’s advantage is even greater due to the many “First Time Buyer Programs” offered in Fairfield County.

But all is not lost for Sellers because if you are thinking of moving the time to do it is NOW.  Think about it. The market upturn or downturn does not matter as-long-as you are both buying and selling.  Because if sale prices are down, you will lose on the sale of your home, but you will pay less for the PURCHASE of your new home.  WHAT ALWAYS MATTERS in determining an advantage to buy and sell is the “Mortgage Interest Rate” and as previously stated the Interest Rates are at an all time low!!!!

So go out and buy your new home and call the Romanello Law Firm to handle all aspects of your closing.  The Romanello Law Firm has been practicing Real Estate closings in Greater Danbury for more than 19 years and has a staff to handle all types of closings.

Joseph Romanello
 (203) 205-0891

JoeThe Time to Buy Your Family Home is Now!
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The Truth about Chapter 7 Bankruptcy

Do you know that over 9 Million Chapter 7 bankruptcies have been filed since October of 2005.

Did you also know that most cases of bankruptcy aren’t caused by reckless spending but by financial hardship  Financial hardships range from large medical bills and credit card debt due to loss of employment for one member of a family or for an individual.   

Chapter 7 bankruptcy is a three month process in which you can eliminate all of your unsecured debt and in most cases still keep your car and your home.  In other words your creditors can never again seek to collect debts that you discharged through your bankruptcy.  That’s right a clean slate without a penny of unsecured debt. Further, if you are like many and behind on payments a Chapter 7 bankruptcy will actually improve your credit much faster than not filing at all.  

If you happen to be in foreclosure a Chapter 7 bankruptcy also puts an “Automatic Stay” on your home, so while you are in bankruptcy the mortgage company cannot foreclose against you.

Since the enactment of the Bankruptcy Abuse and Consumer Protection Act of 2005 (“BAPCA”), bankruptcy debtors are now required to pass a “means test” in order to qualify for Chapter 7 bankruptcy.  Each state now has its own means test which is based on your states median income and expenses.  

If you are struggling with debt give the Romanello Law Firm a call for a free consultation to determine if you qualify for a Chapter 7 bankruptcy.  Attorney Joseph Romanello will sit down with you one on one to make sure you can qualify for a Chapter 7 bankruptcy so you can immediately remove your debt and begin to repair your credit.

JoeThe Truth about Chapter 7 Bankruptcy
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Save money on your mortgage payments

If you are having difficulty making your mortgage payments or are already facing foreclosure, a mortgage modification may enable you to save your home.

1. Lower your monthly payments;
2. Reduce your interest rate to as low as 2%;
3. Get rid of late fees; and
4. Reduce the principal amount on your loan (in some circumstances).



JoeSave money on your mortgage payments
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Another successful Mortgage Modification approved!!!

Another successful Mortgage Modification approved!!!

Client’s original loan was $292,000.00, we got a principal reduction of $94,000.00, 2% interest rate. His monthly payments were reduced by $690.00!!!

JoeAnother successful Mortgage Modification approved!!!
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Top Five Reasons why Immigration Reform Is Likely to Pass This Year:

Reason #1:

In order maintain control of the House, Republicans can afford to lose a maximum of seventeen seats in the mid-term elections. There are 44 districts currently held by Republicans where significant numbers of the voters (12% or more) are either Hispanics or Asian Americans. Of that number, as many as 20 may be seriously in play in 2014. The mid-term elections are all about turnout. If Hispanic and Asian American voters are sufficiently enraged by Republican refusal to pass immigration reform, the GOP high command fears that they will register to vote and turn out in substantial numbers. That could easily tip the balance in terms of control of the House of Representatives. And don’t think that immigration reform is “just another issue” for Hispanics and Asian Americans. It doesn’t matter whether you yourself would be personally impacted, a politician’s position on whether they are for or against immigration reform has become symbolic for “are you on my side?” – “do you stand for or against my community?” To get a sense of the intensity of feeling, all you need do is attend any of the literally hundreds of pro-immigration reform events and town meetings that have been held over the August break. People are fired up and ready to go.

The polling is equally clear. A poll taken of voters in key swing districts currently controlled by Republicans conducted by Public Policy Polling (PPP) in early July showed:
Republican and Independent voters want Congress to pass a solution to our country’s broken immigration system. Many are less likely to support Republicans if the House fails to pass immigration reform this summer.

According to a press release issued the by the polling firm:
Voters in CA-10 (Jeff Denham), CA-21 (David Valadao), CA-31 (Gary Miller), CO-6 (Mike Coffman), MN-2 (John Kline), NV-3 (Joe Heck), and NY-11 (Mike Grimm) all say they would be less likely to vote for their Congressman next year if he opposes immigration reform. Voters in those districts also say they will be inclined to punish the Republican Party more broadly if the House GOP does not allow immigration reform to move forward.

Reason #2:

The Republican Leadership will be under enormous pressure from the Republican establishment – GOP donors, 2016 Presidential aspirants and other stakeholders – not to permanently damage the GOP brand with the exploding number of Hispanic and Asian American voters. The November 2012 election results were a shocking wake-up call for the GOP establishment. Many actually expected to win. Up until election night they lived in denial of America’s changing demographics. Now they are scrambling to “rebrand” the party with Hispanics, African Americans, Asian Americans, single women, and young people. If the GOP refuses to call a vote on a pathway to citizenship in the House and is blamed for blocking immigration reform, that could alienate many of those constituencies – and especially Hispanics – for decades to come. Texas is a case in point. Already Texas is a majority minority state. Even now, if Hispanics and African Americans registered and voted at the same rate as other voters, the GOP would find it difficult to count on the state’s electoral votes in Presidential elections. But Texas’ Hispanic population is growing. Even at current levels of voter participation, the GOP risks losing Texas if it becomes a permanent pariah Party among Hispanics. Without Texas, it is almost impossible to put together a path to Republican Presidential victory at any time in the near future.

Reason #3:

The more GOP leaders like Representative Steve King (R-IA-4) continue to make outrageous comments like the one about the “cantaloupe-sized calves” that immigrants get from “transporting hundreds of pounds of drugs” through the desert, the harder it is for the Republican Leadership in the House to resist pressure from the GOP establishment to call a vote on immigration reform. The more that Congressman King – and his colleagues like Congressman Louie Gohmert (R-TX-1), or Congressman Don Young of Alaska (R-AK-AL) – who referred to Hispanics as “wetbacks” — continue to spew anti-immigrant bigotry, the worse off they are not only with Hispanics and other immigrants – but with independent suburban women and young voters. If independent suburban women and young voters are left with the view that the GOP is being led by – and defined by — the Steve Kings of the world, many of them will desert the party in droves. They will react the same way independent voters reacted in Missouri and Indiana to the outrageous comments about women and rape by losing GOP Senate candidates Todd Akin and Richard Mourdock. That would not only be a disaster for the GOP’s Presidential hopes in 2016 – it would make it even more likely that the GOP will lose control of the House in 2014 since it makes it even harder for them to hang onto to Republican-held suburban seats in the Northeast and Midwest.

Reason #4:

Increasing portions of the GOP base actively support comprehensive immigration reform. It’s not just the immigrant community and Progressives pressing the GOP leadership to call a vote on a pathway to citizenship. Many conservative voices have begun to actively campaign to pass immigration reform. A large table of Evangelicals lead by national Evangelical leaders is working hard to persuade Republicans to vote yes – and call a vote in the House. They have spoken at Republican town meetings, taken out ads, and met privately with many GOP members. Especially in the south, primary challenges are generally fueled by the Evangelical wing of the party. Evangelical support neutralizes the fears of many GOP representatives that a vote for immigration reform could subject them to a primary. That has weakened opposition to reform among Republicans who are more concerned about Primaries than General Elections. Pro-immigration reform Evangelical activists have teamed up with leaders from the business community to support a pathway to citizenship. In GOP circles that is a powerful combination.

Business, Evangelical and law enforcement figures have done an increasingly effective job not only at making their case to the Leadership, but providing political cover to Republican House Members with few immigrants in their districts.

Reason #5:

The polling shows that the biggest vulnerability for the GOP next year is the fact that persuadable voters increasingly believe that the Republicans in Congress are simply incapable of governing. Voters hate the gridlock and increasingly blame Republicans for obstruction. Increasingly, swing voters believe that the GOP is willing to sacrifice the good of the country for narrow partisan ideological reasons. In fact, voters have begun to think the GOP is just plain old incompetent. If the Republican Leadership allows its extremist wing to block immigration reform even thought it passed the Senate on a strong bi-partisan vote, has majority support in the House, and the support of most Americans — that will become Exhibit “A” in the case for throwing them out of power. And if they manage to shut down the government – either in a futile attempt to “defund ObamaCare” or to prevent the government from paying its creditors (the debt ceiling) – and stop immigration reform – the case will be set in stone.

For their own good, the Republican Leadership simply can’t allow that to happen. I for one do not believe that the Republican Leadership will be so stupid – will so badly misplay its hand – that it will allow a tiny minority of extremists to fundamentally jeopardize the Party’s near-term and long-term future. Of course, stupider things have happened. But rest assured that if they do, the growing movement for immigration reform – not to mention the Democratic Party – will make the GOP pay the price.

JoeTop Five Reasons why Immigration Reform Is Likely to Pass This Year:
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Immigration reform: Will we see it in 2013?

It’s hard sometimes, to figure out how to make immigration reform a priority for the country when we are facing major challenges this fall, including the proper response to the use of chemical weapons in Syria, another budget battle, and yet another debt ceiling debate.  These pressing matters will consume a lot of time and attention, but this simply means that we need to use that time to continue to build the growing case—and the popular support—for immigration reform.

August recess is an excellent example of making good use of time.  Although many hoped that the House would quickly take up immigration reform before recess, when it was clear that this wouldn’t happen people put their energies into organizing a massive campaign to bring House Members on board.  During the five weeks or so of recess, over 1, 194 events took place in 41 different states, more than 600,000 petitions were delivered to the Speaker of the House calling for immigration reform, and thousands of people visited and called their Members of Congress.

Twenty-five House Republicans are now on record supporting legalization for undocumented immigrants that includes a path to citizenship.  Diligence, hard work, and the belief that we can make this country live up to its principles are making a difference—every day.  We need to go into this fall period with the belief that we can make immigration reform happen.  If we don’t, then we have already lost.

JoeImmigration reform: Will we see it in 2013?
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