We are bankruptcy attorneys located in Middletown, Ohio.
Are you struggling with debt? Wondering what you can do about it? Thinking of bankruptcy? What debts would be able to be discharged through a bankruptcy? Most unsecured debts such as medical debt and credit card debt are able to be discharged through Chapter 7 Bankruptcy. Secured debts (debts secured by collateral such as a vehicle or home) can also be discharged if you decide to let the collateral go back to the creditor, you can also keep your secured debts if you wish to continue making payments on these items. Reinstatement fees for drivers licenses are also able to be discharged through Chapter 7 in Ohio. Some IRS debts may even be able to debt discharged depending on your individual situation.
What is a discharge? A discharge in a bankruptcy case is a federal document which deems all debts included in your filing are wiped away. This means the creditors must write off these debts. They are no longer legally allowed to collect on discharged debts. This includes all collection practices. They cannot send you a bill in the mail. They cannot call you on the phone to collect on this debt. They cannot file court cases against you to garnish you wages. All collection practices by creditors must stop once you file for bankruptcy protection. Yes, you do not have to wait for your discharge to reap the benefits of bankruptcy, as soon as you file your case the creditors must cease all collection practices. If your wages are already being garnished once you file for bankruptcy protection, your employer must stop all garnishments.
For more information check out our website at www.middletown-bankruptcy.com
Every situation is unique, call today to schedule your free bankruptcy consultation to sit down and discuss your situation with one of your experienced bankruptcy attorneys.
Call our Middletown bankruptcy attorney today for your free consultation to discuss your individual situation. We offer fair fees, payments plans, and flexible hours.