We are bankruptcy attorneys located in Middletown, Ohio. Bankruptcy has been our main focus of practice for over 30 years.
We all go through tough times. There are many factors that can cause us to struggle financially. You could have lost a good paying job and had to take a new job making less money. You could have had a medical emergency in which you incurred medical debt. Maybe you have recently divorced. There are so many factors which can cause hardship in our lives and throw us off balance as far as paying our debts go. Robbing from Peter to pay Paul at the end of the month, sometimes it just does not work because Peter is broke too. If this describes you in any way then bankruptcy may help you get a fresh financial start and break out of the prison of debt.
WHAT IS BANKRUPTCY
Bankruptcy is a federal code which will allow you to discharge your unsecured debts and get a fresh financial start. Under the bankruptcy code once you file all collection efforts against you must stop. This includes phone calls, court proceedings and garnishments. Yes, you can stop a garnishment even if it has already begun once your file under the bankruptcy code. Bankruptcy is designed to help people get out of debt, it is not a bad thing and if you file it does not mean that you are a bad person, just a person in a bad financial situation.
WHAT IS THE BANKRUPTCY PROCESS?
At our office we will offer you a free consultation. At this free consultation you will be able to sit down with one of our attorneys and discuss your individual situation. The attorney would then determine which chapter you would qualify for and guide as to the next step. If you decide to move forward a small retainer fee will get the process started and we will then accept payments until you have paid in full and then your case will be filed. Once you decide to file and retain our office you should stop paying on bills that you do not want to keep and start referring your creditors to our office. You would then submit all of your documentation so that your case can be prepared and once paid in full you would sign your documents and your case will be filed. Your court date will be approximately four weeks after you file. There are two credit counseling sessions which you will need to complete, one before filing and one after. You would then receive your bankruptcy discharge and get your fresh financial start. Creditors will no longer be able to collect on any debts which you included in your bankruptcy filing.
For more information check out our website at www.middletown-bankruptcy.com.
Call your Middletown bankruptcy attorney today to see if bankruptcy is the right step for your fresh financial start!