We have locations available by appointment in the following areas. Please call us to speak to an attorney and set up an initial meeting.
For many families, there comes a point where the collection calls, garnishments, and foreclosure attempts become too much. When that time comes, the protections of the U.S. Bankruptcy Code might be the answer. If you are drowning in debt, our skilled bankruptcy attorneys can evaluate your finances and advise you of your options.
There are different types of bankruptcies, and you likely won’t qualify for all of them. An Akron bankruptcy lawyer from our firm can help you determine the best way forward.
If you are struggling with debt, the first question is whether you qualify to file for bankruptcy. Your eligibility depends on your income, the type of debt you have, and your financial history. Most people file under either Chapter 7 or Chapter 13, and each option has its own requirements.
Chapter 7 works best for individuals with limited disposable income and significant unsecured debt. To qualify, you must pass the means test, which compares your household income to Ohio’s median income for a household of your size. If your income falls below that number, you will likely be eligible to file for Chapter 7 bankruptcy. If it is higher, the court looks more closely at your expenses to determine whether you can realistically repay a portion of your debt.
There are other factors as well, including a recent Chapter 7 bankruptcy discharge. Our Akron bankruptcy attorneys are here to answer your questions about eligibility.
Chapter 13 is designed for people with regular income who need time to catch up. If you are behind on your mortgage or car loan but want to keep the property, this option may make sense. You must show that you have a steady income sufficient to fund a three- to five-year repayment plan.
There are also debt limits that apply, although most consumer filers fall within them. Chapter 13 is not about giving up assets; it is about reorganizing debt into manageable payments under court protection.
Filing for bankruptcy is a serious decision, but it can provide meaningful relief when debt becomes overwhelming. Some of the major benefits an Akron bankruptcy attorney could help you secure include:
As soon as you file, the automatic stay goes into effect. Creditors must stop calling, lawsuits are paused, and wage garnishments are halted. That breathing room allows you to focus on rebuilding instead of constantly reacting to collection pressure.
A bankruptcy discharge permanently wipes out many unsecured debts, including credit cards, medical bills, and personal loans. Once discharged, those creditors cannot legally attempt to collect again.
Ohio exemption laws protect certain equity in your home, vehicle, retirement accounts, and personal belongings. With the right approach, you may be able to keep that property and leave this process caught up on your mortgage or car note.
You are limited in your financial decisions when a bankruptcy case is active. However, there are several mistakes you can make before filing your petition. Some of the things to avoid include:
These mistakes can delay your case or even put your discharge at risk. Let our attorneys help you proceed with caution.
Instead of tackling the bankruptcy process on your own, reach out to the firm that can help. Contact an Akron bankruptcy lawyer as soon as possible and begin working toward your fresh financial start. You can also fill out our online debt calculator for more information.
We have locations available by appointment in the following areas. Please call us to speak to an attorney and set up an initial meeting.
We are a debt relief agency helping people file bankruptcy under the United States Bankruptcy Code.
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