Choosing a Bankruptcy Attorney

We are bankruptcy attorneys located in Middletown, Ohio.  Our main focus of practice has been bankruptcy for over 28 years.

Some people seem fixated on getting the cheapest cost they can for every thing they buy.  That might work when buying an electronic gadget, but it doesn’t work very well when hiring a bankruptcy attorney.


If you had to have major surgery, say open heart surgery, would you want to find the cheapest open heart surgeon?  Of course not!  You would want to know how may surgeries they had done, how long the surgeon had been doing that kind of surgery, what kind of reputation the surgeon had in the community.  While some might think that your financial future is not as important as open heart surgery, it is still important.  Fee should not be the only part of the consideration when deciding to hire a bankruptcy attorney.


There are several places to check an attorney’s reputation and references, but the best way to find the best attorney for your situation is usually word of mouth.  Ask your friends and co-workers who they used when they were faced with a similar situation.  You will be surprised that most of your friends and co-workers have experienced the same type of situation that you are going through and will most likely be able to guide to a good attorney, or guide you away from a bad one.  Remember, you are not the first person to be faced with financial difficulty.  The attorney you choose is just as important as the decision to file for bankruptcy.


Friends of mine needed work done on their home.  They got bids from several contractors.  Some of the bids were really low.  The looked at the low bids and wondered how the contractor could afford to do the work for the low bid.  And you know what?  They were probably right.  There was probably no way the contractor could do the job they were expecting for the amount quoted.  The contractor would have to cut corners.  They are not going to be able to do all of the work need to properly handle the bankruptcy case.

Do you want an attorney who feels like he had to do the minimum he can for your case or someone who will take an active interest in your case and make sure that everything is done properly.  If you want the latter, you want to look beyond the amount of the fee.  Otherwise, you may spend a lot more getting it fixed than just paying a fair amount in the beginning.


At our office we offer handsyour a free consultation.  The attorney will quote you a fee based on your individual case.  Our fee may not be the lowest, but it will not be the highest either.  We offer fair fees for the services we provide.  We will walk you through your case and guide you every step of the way.  We will care about your case and your individual situation.  Bankruptcy may be the cure for your financial difficulties.


For more information check out our website at

Contact your Middletown, Ohio bankruptcy attorney today for your fresh financial start!  Free consultation 513-422-2994.

Chapter 13 Basics

We are bankruptcy attorneys located in Middletown, Ohio.  Our main focus of practice has been Chapter 7 and Chapter 13 bankruptcies for over 27 years.

In this blog, however, we will be focusing on Chapter 13.


Chapter 13 is a repayment plan.  It is basically designed for people who are behind on their mortgage payments who would like to save their home or their income is too high to qualify for Chapter 7.  Chapter 13 involves paying your disposable income to creditors over a three to five year period.  During this time you will be able to make up any missed mortgage or vehicle payments.  Your unsecured creditors will be paid a percentage of what you owe them, once you complete your case and receive your discharge the remaining balance will be deemed discharged through the case.  This means that creditors will not be able to collect on these debts in any way or form.  They will not be allowed to contact you by phone, mail or any other means.


To determine your disposable income we will need to know your income for the last six months.  If you have had a pay cut or loss of overtime hours we can reduce your current income for these situations, same if you are making more money at the time we would have to increase 13683018-stacks-of-coins-resting-on-a-wallet-full-of-money-1your current income.  We would then need to subtract your expenses from your income.  This includes all of your expenses required to take care of your family such as food, rent or mortgage,vehicle payments, utilities and other such needs.  Then we consider things that you know you will be spending such as car repairs, home maintenance or medical expenses.  Then we need to look at things you may not be spending money on but it would be in your best interest to do so such as health insurance, life insurance or maybe a retirement savings account.  If you have expenses not mentioned that doesn’t mean we can’t count it as long as it is reasonable and necessary.  Once all of these expenses are counted they get deducted from your income and the remainder is an idea of your disposable income.


It is not a good idea to try to file a Chapter 13 on your own at your court hearing the trustee will evaluate the reasonableness of your expenses and will try to cut them down so that there is extra money to pay your creditors.  Our job as your attorney is to protect the money that is necessary for you to take care of yourself and your family.  This is why we sit down with you and go over your unique situation and expenses with you thoroughly before the case is filed.


Your Chapter 13 payments must be enough to cover certain required payments.  Your plan payment must be enough to pay for your mortgage arrears over the next five years, your current mortgage payment (as the 13 office would make your regular mortgage payment through the case), if you have a vehicle payment this will be included and a small amount for your unsecured creditors.


Every situation is unique.  We offer a free consultation where you will be able to sit down with one of our attorney and discuss your situation.  The attorney will be able to give you an approximate amount of what your Chapter 13 payment would be at this free consultation.  They would also quote you a fee.  If you decided to move forward a small retainer would get things started and then we would take payments, once paid your case will be filed.

For more information see our website at

Contact your Middletown, Ohio bankruptcy attorney today for your free consultation.


We are bankruptcy attorneys located in Middletown, Ohio.  Our main focus of practice  has been Chapter 7 and Chapter 13 bankruptcy filings for over 26 years.

Credit is no game and can become very serious very quickly if you fall behind on your payments.  Or even worse come where you cannot make a payment at all.  The phone will begin to ring early in the morning and not end till late at night.  The mail box will fill with new bills from collection agencies, attorneys and eventually from your local court.  Once a judgement is obtained against you a creditor will be able to garnish your wages.

In the state of Ohio a garnishment will be 25% or your pay before taxes have been taken out. That’s a pretty good chunk.

But don’t worry you can still file for bankruptcy and get this garnishment stopped!


Bankruptcy is a federal code designed to help people get a fresh financial start.  Under the code you can discharge all of your debts.  A discharge is documentation stating that your debts are free and clear, a creditor cannot come back on you and collect on these debts in any way or form.

This would include any current garnishments.  Once a bankruptcy is filed a garnishment must stopstop.  Any garnishments that would happen after a filing will be returned to you by the creditor.  The judgment will still remain on your credit report, but will show you owe no liability.  Bankruptcy does not change the past, just clean it up.

There are two main chapters filed by consumers.  Chapter 7 and Chapter 13.

Under Chapter 7 you will be able to discharge all of your unsecured debts.  All collection efforts against you must stop immediately.

Chapter 13 is a repayment plan.  Under this plan you will be in the case for three to five years.  All collection efforts must cease immediately upon filing.  Chapter 13 will stop a foreclosure or repossession of a vehicle and allow you to keep these secured items through the plan.  You will be able to make your missed payments over the three to five year time period.  At the end of your case you will receive a discharge.


Bankruptcy is complicated, don’t brave it alone.  Contact us today for a free consultation.  At this consultation you will be able to sit down with one of our attorneys and discuss your individual situation.

You can also check out our website at

Contact your Middletown, Ohio bankruptcy attorney today to get a jump on your fresh financial start!


We are bankruptcy attorneys located in Middletown, Ohio.  Bankruptcy has been our main focus of practice for over 27 years.


Are you thinking of filing for bankruptcy.  Looking for an attorney to represent you through the process?  Calling around to get a fee?  Looking for the lowest fee around?  Just remember that you get what you pay for.  Bankruptcy is a very specific process and must be done correctly so that your case will go through and you will receive your discharge through your case.  You do not want any snags and want everything to go through smoothly.  It is stressful enough when everything goes just right let alone when things are messed up.  Some believe that bankruptcy is simple, so simple that they can even take care of it themselves.  This may have been the case in the past but since the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA) of 2005 things are much more difficult and more precise.  It is not recommended that you attack this task on your own.

Trying to file for yourself will most likely cause you more headaches than you would like to endure.  So the decision to seek an attorney to help you through the process is the best one.  You will want to find an experienced attorney who specialized in bankruptcy.


At the Keegan & Co. Attorneys, LLC bankruptcy is our main focus of practice.  Our office has specialized in bankruptcy for over 25 years.  We can provide you with the expertise that will make your bankruptcy seem simple and before you know you will be on with your debt free life.


At our office we will offer you a free consultation where you will be able to sit down and discuss your individual situation.  They will be able to advise you as to the best road for you to take on your financial journey.  Sometimes bankruptcy is the answer, sometimes it may not be the best decision.  The attorney will advise what is best for you.

At this free consultation the attorney will quote you a fee.  If you decide you want to move forward a small retainer will retain this office.  Once you have retained our office you will quit paying on bills you do not want to keep and refer your creditors to our office until your case is filed.  We will accept monthly payments until your case is filed.


For more information check out or website at or call 513-422-2994 for your free consultation today!

At our Middletown, Ohio bankruptcy office we will be able to help you get out of debt and get a fresh financial start!

Bankruptcy & The Elderly

We are bankruptcy attorneys located in Middletown, Ohio.  Our main focus of practice for over 27 years has been in Chapter 7 and Chapter 13.


Bankruptcy is generally designed to help people who are underwater with debt gain a fresh start.  While that is sounds in principle, there is one group in our society who don’t really need a fresh start, they just need a clean end, and that’s our elderly.  We have a rapidly growing senior citizen population and while many have been able to plan for the future with quality pension and health insurance plans, there are just as many who rely on social security.  Problems really develop when this same group are suddenly hit with demands from creditors on debts they have co-signed on, often for their children and grandchildren.

In most cases, if a senior citizen is collecting social security, then they will most likely travel through the process with no problem, they won’t lose a thing.  Even if they own their home outright the exemption for Ohio is high enough that it will most likely protect their home.

Social security and pension plan payments are exempt from bankruptcy.  When it comes to assets, many of our seniors have little to show for their life’s work and what they do have is often well aged and with little resale value.  These assets are worthless to a bankruptcy trustee since the cost of selling them may well exceed the value earned.

What does concern many welfare workers in this area is the pressure our seniors place on hot_dog_boutique_picture_167077themselves to pay debts when they are really struggling to pay for food and medication.  Many seniors today were raised that bankruptcy is not an option and do not see bankruptcy as a way for a fresh start and view it as a failure.  Many elderly need to realize it’s an option that may allow them to retire with a more comfortable lifestyle.

Contact our office today to see if bankruptcy will be able to help you or your aging parents get a fresh financial start.

Check out our website at

Call your Middletown, Ohio bankruptcy attorney today.  We offer a free consultation, fair fees and monthly payment plans.