Are you trapped by overwhelming debt? Are you struggling with high interest rates, late fees and harassing phone calls from creditors? Is foreclosure, repossession, wage garnishment or a bank account levy a real threat? Bankruptcy protection can provide the fresh start you need.
A free initial consultation with an affordable bankruptcy attorney is an important first step toward regaining your financial freedom. We can evaluate your unique circumstances, help you explore options and enable you to make an informed decision.
Bankruptcy is not for everyone, but if it is right for your situation, it can put you on the road to financial recovery before long. You can find hope once again after divorce, job loss, medical crisis, accidental injury, business failure, or a mortgage crisis. Bankruptcy can keep creditors from harassing you, allow debts to be forgiven, and provide a way for you to keep your assets. Since there is more than one type of bankruptcy, deciding which way to go is not always easy. In addition, a bankruptcy that is not filed properly can leave you stuck with unexpected expenses and debts that are not resolved. The bankruptcy lawyers at Fesenmyer Cousino Weinzimmer are dedicated to helping people through personal bankruptcy and helping you obtain your financial freedom. With a complete understanding of Ohio bankruptcy law, we offer a free consultation to help you navigate through the maze of bankruptcy issues and find a solution that is best for you.
Whatever brings you to our door, we are here to help you find your way forward. At our law firm, we provide a face-to-face meeting with a lawyer who will work with you throughout the entire process. It is important to us to provide personalized service with our clients’ goals in mind.
Which bankruptcy is right for you, Chapter 7 or Chapter 13? A careful evaluation of your financial situation will point you in the right direction. A Chapter 7 bankruptcy has the power to eliminate most or all consumer and/or business debts. A Chapter 7 bankruptcy is over in a few months, so you can begin rebuilding credit quickly. If your income isn’t enough to pay for credit card bills, medical bills, utilities, payday loans or personal loans, this may be the best option for you.
With a Chapter 13 bankruptcy, you can repay some or all of your debt affordably over a three- to five-year period. A Chapter 13 repayment plan is available if you do not qualify for a Chapter 7 Bankruptcy or you want to keep an asset for which your payments are delinquent. This type of bankruptcy is designed to get you back on track with the debt that you want to keep such as a car or home loan while paying pennies on the dollar to your unsecured debt. Additionally, this type of bankruptcy may suit you if you have significant amounts of home equity or have other substantial property you wish to keep. Through a Chapter 13 you receive extra protection because consolidating your payments together may allow you to avoid fees and fines. Plus, the automatic stay provision of Ohio bankruptcy law means that the phone calls and letters from your creditors will stop during this time.
The Ohio personal bankruptcy attorneys at Fesenmyer Cousino Weinzimmer understand what you are going through and will help you find the right plan for eliminating or repaying your debts. Delaying can only worsen your situation, so take the first step towards relief and contact us today for a free consultation that will:
We provide you with a personalized case evaluation and counsel regarding debt-relief options, including Chapter 7 bankruptcy, Chapter 13 debt reorganization, debt settlement negotiations with creditors, and foreclosure defense for mortgage holders. We work with you to make sure you are aware of all your options and help you decide on the path to a brighter future that makes sense in your individual case. We understand what you are going through and will walk you through the process.
Contact Fesenmyer Cousino Weinzimmer to schedule a free consultation with one of our attorneys. We serve clients throughout central and southwestern Ohio, with offices in Columbus, Dayton and Cincinnati. During your consultation, we will evaluate your entire financial situation by looking at your income, your debts and your goals. Then we will discuss the best fit for your financial situation and work to resolve your debt problems.
We have offices conveniently located in Columbus (614-228-4435), Dayton (937-222-7472), and Cincinnati (877-654-5297) or email us.
Student loan debt is an ever-increasing problem in the United States and has become the second highest consumer debt category, right behind mortgages. Money owed on student loans has reached $1.5 trillion, and the average…
Credit cards are one of the easiest, but most expensive, ways to borrow. People who don’t pay them off in a timely fashion or only pay the minimum balance often wind up in situations with…
Chapter 7 is the most common form of bankruptcy and has certain advantages, but that doesn’t mean it is the best solution for you. Depending on your situation, Chapter 13 bankruptcy, which allows you to…