Free Consultation: (216) 621-7777Tap to Call This Lawyer
Joseph Michael Romano Esq

Joseph Michael Romano Esq

Your Life Is A Contract. I write, negotiate and litigate all types of contracts
  • Bankruptcy, Consumer Law, Entertainment & Sports Law...
  • Ohio
Claimed Lawyer ProfileQ&ASocial Media

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.


Practice Areas
  • Bankruptcy
  • Consumer Law
  • Entertainment & Sports Law
  • Business Law
  • Landlord Tenant
  • Real Estate Law
  • Traffic Tickets
Additional Practice Area
  • Small Business Consulting
  • 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.
Jurisdictions Admitted to Practice
Placeholder image for jurisdictions.
6th Circuit
Placeholder image for jurisdictions.
Northern District of Ohio Federal Court
Placeholder image for jurisdictions.
Southern District of Ohio Federal Court
Placeholder image for jurisdictions.
  • English: Spoken, Written
Professional Experience
William J. O’Neill Great Lakes Regional Bankruptcy Institute
Case Western Reserve University School of Law
J.D. (2001) | Law
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
Case Western Reserve University School of Law Logo
University of Southern California
Master of Public Administration (1997) | Judicial Administration
Activities: Graduate House Advisor at USC Office of Student Life
University of Southern California Logo
Bowling Green State University
B.A. (1994) | Political Science
Activities: Phi Sigma Kappa Fraternity
Bowling Green State University Logo
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.
Professional Associations
NFL Players Association
Registered Agent
- Current
Placeholder image for professional associations.
National Association of Consumer Bankruptcy Attorneys
- Current
Placeholder image for professional associations.
Ohio State Bar
- Current
Placeholder image for professional associations.
Cleveland Metro Bar Association
Activities: Member of the Bankruptcy Section
Placeholder image for professional associations.
American Bar Association
Placeholder image for professional associations.
Columbus Credit Education Coalition
Placeholder image for professional associations.
Articles & Publications
“Legal Information Pamphlet” on Personal Bankruptcy
Ohio State Bar Association
Speaking Engagements
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
Debtor/Creditor Issues in Municipal Court, Regional Conference, Columbus, OH
Ohio Judicial College
Debtor/Creditor Issues in Municipal Court, Regional Conference, Strongsville, OH
Ohio Judicial College
Registered Agent
NFL Players Association
Websites & Blogs
The Romano Law Firm
Legal Answers
11 Questions Answered

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.
Q. If I decide to get married, will my new spouses income be garnished if the debt was mine?
A: No.
Q. As an officer of a 501c4 corporation am I personally liable for a copyright infringement by the corporation
A: Can't even answer without knowing more. Please call to set up an appointment.
Q. Can you file bankruptcy on credit card and medical dept only?
A: That is not a question that can be answered in this thread. That, most likely, takes a consultation; an understanding of how bankruptcy works and how it is different than debt consolidation. If you want a shock answer it will be, in my opinion, never do a debt consolidation. But, I cannot say that definitively because I do not know your circumstances. I would like to schedule a consultation to talk with you to discuss.
Q. Can I file bankruptcy alone?
A: I'd have to take a look at what your Separation Agreement says, but there would be no impediment to discharging all of this debt as to the original creditors. The Separation Agreement could cause issues if there was an assumption of debt provision.
Q. Does the CH13 applicable commitment period begin from date of 1st payment or confirmation date?
A: The APC is 60 payments, not 60 payments from confirmation.
Q. I have a question regarding my out of pocket school expense. My question is would I be able to file bankruptcy on that
A: What are those expenses comprised of? credit card, a loan from the school, a grant, etc.. Without knowing that, I really can't tell you whether its a debt and whether its dischargeable in a bankruptcy.
Q. Can you appeal if your petition to file bankruptcy gets rejected?
A: There are a lot of missing facts, here. What were the circumstances surrounding your filing and the dismissal?
Click here to see all answers
Contact & Map
Cleveland Office
526 Superior Avenue
333 Leader Building
Cleveland, OH 44114
Telephone: (216) 621-7777