We are bankruptcy attorneys located in Middletown, Ohio.
Are your struggling with debt? Tired of those harassing phone calls? The mailbox becoming your enemy? We may be able to help. Bankruptcy is available to give individuals a fresh financial start.
WHAT IS BANKRUPTCY
Bankruptcy is a federal program which allows you to clear off all of your unsecured debt under Title 11 of the federal code. All of your unsecured debt will be become discharged, this means that creditors cannot collect on these debts, they cannot call you, send you a bill or take your to court over these debts. Once you are under bankruptcy protection it is against federal law for collectors to contact you.
WILL I QUALIFY FOR BANKRUPTCY
Most do qualify for Chapter 7 bankruptcy, but you need to come in for your free consultation to be sure.
Check out this video for more information
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CHAPTER 13 BANKRUPTCY
Chapter 13 is designed as a repayment plan. This chapter is designed for people who do not qualify for a Chapter 7, as there are income guidelines for Chapter 7 bankruptcy. Under Chapter 13 you will pay back a percentage of your debts over a three to five year period. Chapter 13 bankruptcy can also stop a foreclosure and allow you to retain your home. You will have the time period of the Chapter 13 case to make up the payments you have missed. The Chapter 13 office will make your regular house payment too. At the end of the case the court will issue documentation that you are current on your home. This is good because the creditor cannot come back later and say you owe additional fees and charges.
For more information check out our website at www.middletown-bankruptcy.com
Every situation is unique, call our Middletown, Ohio bankruptcy attorney today for your free consultation. We offer fair fees, flexible hours and monthly payment plans.