Being in debt causes stress and complications in every area of your life. Not just financial stress, but debt can also cause tension in your family, trouble at work and even health problems. After trying everything you can think of to manage mounting debt, there comes a time when taking a fresh approach may be in order.
Bankruptcy might feel a little overwhelming, but looked at a different way, it can also provide a brand new start and make your future seem a whole lot brighter. Bankruptcy attorneys in Ohio can help you assess your financial situation, look at your various options, and help you decide what steps to take next. There’s nothing like an experienced legal professional to calm your nerves and look at solutions. No longer will you have to stay awake at night worrying about money.
The law firm of Fesenmyer Cousino Weinzimmer has helped many clients just like you. Call an affordable bankruptcy attorney in Batavia at 614-228-4435 (Columbus), 937-222-7472 (Dayton), or 877-654-5297 (Cincinnati). We offer a free initial consultation and can help you get back on the road to success.
Things to know about a bankruptcy lawyer in Batavia, Ohio
HOW DO I CHOOSE THE RIGHT ATTORNEY?
That’s a good question. First, you want to find an attorney who specializes in bankruptcy and who is affordable. Lawyers charge a wide range of fees for this type of legal work, and you want to make sure you’re getting a good value. At Fesenmyer Cousino Weinzimmer, we pride ourselves on being one of the most affordable bankruptcy law firms in the area. We know your finances are tight, and we want to do all we can to work with you. Our fees are extremely competitive. The best thing you can do is give us a call and we can discuss the process. The initial consultation is free.
ARE THERE DIFFERENT KINDS OF BANKRUPTCY?
Yes. The first step is to find out whether you qualify for bankruptcy and, if so, which kind. An experienced bankruptcy lawyer in Batavia can assist you in deciding whether you qualify for Chapter 7 or Chapter 13 bankruptcy. Ohio requires passing a “means test” in order to qualify for Chapter 7. If your average monthly income for the past six months is below the Ohio median for your size household, you meet the requirements (section 707(b)(2)) to apply for Chapter 7. We understand that sorting through legal jargon can be difficult, so feel free to give us a call to review your financial situation and find out which chapter you qualify for.
WHAT IS CHAPTER 7 BANKRUPTCY?
Chapter 7 is the most common form of bankruptcy, and it will eliminate most or all debts, but you can use it only once every eight years. It’s quick — over in a few months, so you can begin rebuilding credit. There are exemptions (Exemption Laws of Ohio) that can protect your property, but it is advisable to consult with an attorney to confirm that your particular property is protected. Exemptions can include clothing, cars, equipment used for work (like tools) and household furnishings.
WHAT IS CHAPTER 13 BANKRUPTCY?
Chapter 13 bankruptcy is a repayment plan which allows you to save your assets. Under Chapter 13 bankruptcy, you can consolidate payments to repay some or all of your debt affordably over a three- to five-year period. This plan is best for those who don’t qualify for Chapter 7, who want to keep an asset that they are behind on or who have equity in an asset that they want to protect. Once you file for Chapter 13, harassing calls and letters from creditors stop; and once you successfully complete the payment plan, qualifying debts covered by the plan are discharged.
DOES BANKRUPTCY DISCHARGE EVERY KIND OF DEBT?
No. There are some kinds of debt that cannot be discharged under bankruptcy. An example of some types of debt that cannot be discharged in a bankruptcy filing include most student loans, child support, and debts incurred through fraud or theft. This is why it’s important to have a bankruptcy lawyer in Batavia, Ohio, rather than trying to file for bankruptcy on your own. The affordable bankruptcy attorneys at Fesenmyer Cousino Weinzimmer understand each of these debt distinctions and can provide the best legal advice to protect your assets and provide financial freedom.
Affordable Batavia bankruptcy attorney
I’M STRESSED AND WORRIED ABOUT MONEY. I’VE HEARD THAT YOUR LAW FIRM IS AFFORDABLE. IS THAT RIGHT?
That’s absolutely right. Fesenmyer Cousino Weinzimmer has a reputation for being excellent and affordable. Our law firm is the place to find top-notch attorneys with affordable fees. We understand that you feel strapped for cash and want to get a bankruptcy over with quickly so that you can get a fresh start on life. We have no hidden fees, and we do not complicate or stretch out the hours it takes to get your paperwork in order. Our affordable Batavia bankruptcy attorneys have decades of legal experience and a streamlined process for completing bankruptcy cases. To learn more about what we can do for you, call us at 614-228-4435 (Columbus), 937-222-7472 (Dayton), or 877-654-5297 (Cincinnati). The initial consultation is free.
Take that first step with a Batavia bankruptcy lawyer
DO YOU FEEL LIKE IT’S TIME TO GET OUT OF DEBT AND GET ON WITH LIFE?
We understand. A lot of our clients feel that way. If you find yourself overwhelmed with debt, harassed by creditors, and considering bankruptcy as an option, it may be time to talk about next steps. First, let’s find out if bankruptcy is the right move for you. Next, let’s talk about a plan to set aside this debt and move forward into a brighter future. There are a few things you will have to do, like mandatory pre-filing credit counseling and mandatory debt management education. But those are pretty straightforward and can be done online. There are other simple steps that you will need to follow, and a Batavia bankruptcy lawyer will walk beside you every step of the way. We don’t want you to feel overwhelmed, and that’s why we make the process as easy as possible.
An affordable Batavia bankruptcy lawyer is just a phone call away
READY TO START A BRIGHTER FUTURE? GIVE US A CALL.
The first step to putting debt in the rear-view mirror and stopping those annoying phone calls from creditors is picking up the phone. By calling an affordable Batavia bankruptcy lawyer, you’re empowering yourself. No longer will you feel at the whim of creditors. Instead, you can arm yourself with reliable information and receive experienced guidance from an experienced attorney. If you’d like to find out more about how the bankruptcy attorneys at Fesenmyer Cousino Weinzimmer can help, give us a call at 614-228-4435 (Columbus), 937-222-7472 (Dayton), or 877-654-5297 (Cincinnati). The initial consultation is free, so you have nothing to lose.