We are bankruptcy attorneys located in Middletown, Ohio. We specialize in Chapter 7 and Chapter 13 bankruptcy filings. We have helped thousands get out of debt and can help you too.
Many people just like you are struggling with debt everyday. It is always in the back of their mind, trying to make ends meet. It can be scary to be in over your head in debt and not know when or how you will get out of the situation. When it can be too much bankruptcy may be an option, but how to begin the process or find out if you even qualify to file.
Well if you are reading this blog, you are on the right track, you are probably researching the possibility of bankruptcy on the internet and seeing lots of different options and opinions. Research is good, but you will not be able to find the answers that pertain to your particular situation on the internet because there are no two exact same bankruptcy cases or even the exact same circumstances that will lead people to having to file. It is best to contact an experienced attorney to discuss your case and find out your options.
At our office we offer a free consultation. That’s right, it is totally free to sit down and talk and find out the best option for you. Call today 513-422-2994 to set up your free consultation with one of our attorneys. By the time you leave our office you will know if you qualify for Chapter 7 or Chapter 13 or if bankruptcy is not the best option for you. There are two main chapters of bankruptcy for the general consumer.
Chapter 7 also referred to as straight or simple bankruptcy is when you will be able to discharge all of your unsecured debts under the bankruptcy code. You will never have to pay these debts back and creditors will not be allowed to collect on these debts once you receive your discharge. Chapter 7 is also referred to as a liquidation bankruptcy because the bankruptcy trustee may liquidate some of your assets, but there are exemptions to protect most assets, so this is generally not a problem.
Chapter 13 is available for those who make too much money for Chapter 7 or need to file to save their homes or cars. Under Chapter 13 you can stop a foreclosure on your home. You will have three to five years to pay under a Chapter 13. At the end of the case you will not owe any of your unsecured debts and creditors will not be able to collect on debts which were discharged through the case. Chapter 13 is also referred to as a wage earner plan as you must have the income to support the case.
For more information call and set up your free consultation today. You will feel alot better after you talk with someone and make a decision on what you are going to do. At our office if you do decide to file a small retainer fee will get things started and we will then take monthly payments, once paid your case will be filed. Check out more on our website at www.middletown-bankruptcy.com.
Call your MIddletown, Ohio bankruptcy attorney today for your free consultation! We have helped thousands out of debt and can help you too!