The thought of bankruptcy can be an intimidating one. However, filing for bankruptcy in Ohio is often the key to regaining control over your finances and your future. If you’re considering personal bankruptcy in Ohio or looking for Ohio bankruptcy attorneys, it’s important to understand your options, including the different types of bankruptcy and how to know whether you qualify.
A free initial consultation with an affordable bankruptcy attorney is an important first step toward regaining your financial freedom. An Ohio bankruptcy attorney at Fesenmyer Law Offices, LLC can evaluate your unique circumstances, help you explore options, and enable you to make an informed decision.
Why Choose Us?
Guiding Clients to Reclaim Their Financial Health
Fesenmyer Law Offices, LLC is an Ohio law firm that focuses on bankruptcy and other forms of debt relief. Our experienced Ohio bankruptcy attorneys are skilled negotiators with extensive experience in helping clients navigate Ohio bankruptcy laws.
When you choose Fesenmyer Law Offices, LLC to represent you, you know you’re choosing a law firm dedicated exclusively to helping clients manage their debt in a way that balances both short- and long-term benefits.
Our experienced Ohio bankruptcy lawyers give personalized attention to every case. We ensure you understand your options and advise you on the potential benefits and downsides of your decisions. By leveraging our knowledge of Ohio bankruptcy law, we help you meet your financial goals and achieve a positive resolution to your current financial situation.
Consider Your Unique Situation and Your Best Debt-Relief Solution
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 Law Offices, LLC are dedicated to helping people through personal bankruptcy and helping you obtain 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.
Choosing Between Chapter 7 and Chapter 13 Bankruptcy in Ohio
Understanding Your Ohio Personal Bankruptcy Options
A careful evaluation of your financial situation, combined with the guidance of an experienced Ohio bankruptcy lawyer, will point you in the right direction when it comes to choosing which type of Ohio bankruptcy is best for your situation.
Chapter 7 Bankruptcy in Ohio
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.
Not everyone qualifies for Chapter 7 bankruptcy. You typically have to pass a “means test,” which looks at your income over the past few months and weighs it against your expenses and bills. If you do not qualify for a Chapter 7, or if you have significant assets that are not going to be exempt in a Chapter 7, you may want to consider Chapter 13 Bankruptcy.
Chapter 13 Bankruptcy in Ohio
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 if 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 Chapter 13 you receive extra protection, because consolidating your payments 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.
Fesenmyer Law Offices, LLC can help you navigate bankruptcy in Ohio. Contact one of our offices in Columbus (614-228-4435), Dayton (937-222-7472), or Cincinnati (877-654-5297) to schedule your consultation with one of our experienced Ohio bankruptcy attorneys.
Offering Support and Guidance
The Ohio personal bankruptcy attorneys at Fesenmyer Law Offices, LLC 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 toward relief and contact us today for a free consultation that will:
- Help eliminate your debt
- Put a stop to creditor harassment
- End garnishments of your wages
- Save your home from foreclosure
- Stop civil lawsuits
- Save your car from repossession
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 case. We understand what you are going through and will walk you through the process. Our experienced Ohio bankruptcy attorneys offer bankruptcy services in Columbus, Dayton, and Cincinnati.
Frequently Asked Questions
Here are some of the many questions commonly answered by the Ohio bankruptcy attorneys at Fesenmyer Law Offices, LLC.
What are my bankruptcy options in Ohio?
If you’re an individual considering filing for personal bankruptcy, you have two options in Ohio: Chapter 7 and Chapter 13. These two forms of bankruptcy have some substantial differences. It’s a good idea to consult a lawyer so you can understand the options and consider the differences.
Do I need to work with an Ohio bankruptcy lawyer to declare bankruptcy?
You should always work with an Ohio bankruptcy lawyer during this important legal process. An experienced lawyer can advise you on your options and help you understand how to take advantage of Ohio bankruptcy exemptions to protect your assets.
How can you help with my Ohio bankruptcy case?
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.
How much does an Ohio bankruptcy lawyer cost?
The Ohio bankruptcy lawyers at Fesenmyer Law Offices, LLC understand that when you’re facing bankruptcy, you’re probably eager to avoid excessive legal costs. We pride ourselves on offering affordable bankruptcy legal services in Ohio. We invite you to come in for a consultation to learn how we can help.
The Ohio bankruptcy lawyers at Fesenmyer Law Offices, LLC are available to discuss your options during a consultation at our offices in Columbus, Cincinnati, and Dayton.
Where Do I Go from Here?
Contact Our Ohio Bankruptcy Attorneys Today
Fesenmyer Law Offices, LLC serves clients throughout Central and Southwestern Ohio, with offices in 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.
Contact Fesenmyer Law Offices, LLC to schedule a free consultation with one of our attorneys. We have offices conveniently located in Columbus (614-228-4435), Dayton (937-222-7472), and Cincinnati (877-654-5297) or you can email us.
