We are bankruptcy attorneys located in MIddletown, Ohio.


What are the differences between Chapter 7 Bankruptcy and Chapter 13 Bankruptcy? The main difference is that in a Chapter 7 you do not pay back any of your debts, except for assets that you would like to keep.

Regardless of which chapter of bankruptcy protection you file for all collection efforts must stop upon the filing of your case.  This includes garnishments that have already begun, court proceedings, telephone harassment and collection through the mail.  Bankruptcy will help you get the creditors off of your back and give you a fresh financial start!



In Chapter 7 you can keep your home and vehicle if you are up to date on your payments. All of your unsecured debt would be discharged through the case and you would no longer be responsible for these debts.  If you have secure debts which you would like to keep such as a home or a vehicle, you just continue to make your payments on these items.  The creditor will provide a reaffirmation agreement for you to sign to be filed with the court. This reaffirmation agreement guarantees that the creditor will report your payments to the credit reporting agencies, thus starting to re-build your credit rating.  The most important thing to remember after filing for bankruptcy protection is going forward you must try to make payments on reaffirmed debts on time and try not to have any debts go into collection status.  Your will be surprised how fast your credit will re-build after bankruptcy following these rules.


Chapter 13 is designed to help you possibly save your home from foreclosure or your vehicle from repossession. You would pay a percentage of your unsecured debts. Chapter 13 is a three to five year process which allows you to pay back a percentage of your debts while most interest and late fees will stop. This will also stop a foreclosure and allow you to pay the amount you are behind over a three to five year period.  Chapter 13 can help you if you are behind on your vehicle or house payment.  Once you file for Chapter 13 bankruptcy protection the creditor cannot repossess your vehicle.  The Chapter 13 Trustee will disburse your current car payment and the payments you are behind during the duration of the case.

Both chapters can be beneficial under the right circumstances. To find out which chapter you can qualify for contact our office today for your free consultation.

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Contact our office today for your free consultation to discuss your individual situation. We offer fair fees, monthly payments plans and flexible hours. Contact our Middletown, Ohio bankruptcy attorney today.