Many American families find themselves heavily laden with debt, often through no fault of their own. Responsible, hardworking citizens can be hit with unexpected medical bills, job loss, or other expensive financial setbacks. Instead of worrying, which can cause a person to feel frozen, the first step to a brighter tomorrow is to gather information and find out about your legal options. You have choices, and there are solutions. Rather than continuing to struggle endlessly under heavy debt with no end in sight, it may be time to try something new. Bankruptcy might be the right path. It can provide a lot of relief and give you a fresh start. We have helped thousands of families across the state, and a bankruptcy attorney in Xenia can do the same for you.
To find out more about how the Ohio bankruptcy attorneys at Fesenmyer Cousino Weinzimmer can help, call us at 614-228-4435 (Columbus), 937-222-7472 (Dayton), or 877-654-5297 (Cincinnati). We offer a free consultation, so the phone call costs you nothing. We can review your case, explain your options, and help you decide where to go from here.
It’s important to know which debts can be discharged in bankruptcy and which ones will remain. In addition, debts can be treated differently depending on whether you file Chapter 7 or Chapter 13. Ohio exemption laws do not protect you from every debt or creditor. In a nutshell, here are the debts that typically cannot be discharged:
These are called “nondischargeable debts”. While bankruptcy may not relieve you of every debt you have, it does allow you to discharge medical, credit card, and several other forms of consumer debt.
First, you want to find a bankruptcy lawyer in Xenia, Ohio, who is affordable. While some lawyers charge a flat fee for bankruptcy cases, others charge by the hour. It’s important to find out about lawyer fees before making a decision about which law firm to hire. At Fesenmyer Cousino Weinzimmer, we pride ourselves on being one of the most affordable bankruptcy law firms in the area. We know you are facing financial difficulties, and we want to do all we can to make our legal services affordable. That’s why our fees are extremely competitive. The courts have filing fees, and those are the same throughout Ohio. The real difference in costs are attorneys’ fees. Give us a call at 614-228-4435 (Columbus), 937-222-7472 (Dayton), or 877-654-5297 (Cincinnati) and we can discuss your case and the potential cost of filing 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.
Chapter 13 bankruptcy is a repayment plan which allows you to save your assets. 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.
There are laws in place that say once a person files for bankruptcy, all harassment by creditors must stop. That means your phone will stop ringing and your mailbox will no longer be flooded with letters from creditors. You no longer have to avoid phone calls and let unopened mail pile up on the dining room table. Creditors can no longer try to contact you at work or contact your family members. If you are ready for the harassing phone calls to stop, then call Fesenmyer Cousino Weinzimmer at 614-228-4435 (Columbus), 937-222-7472 (Dayton), or 877-654-5297 (Cincinnati) so we can discuss your options for a brighter tomorrow.
So, if you’re ready to move forward, your next question might be “how do I find an affordable Xenia bankruptcy attorney?” Our best suggestion is to do your homework. At Fesenmyer Cousino Weinzimmer, we invite you to compare our services and fees with those of other law firms in the area. We think you will be pleasantly surprised. We pride ourselves on keeping our costs low and not piling up add-on fees. Because we are highly experienced and specialize in bankruptcy, we offer a streamlined approach that is very affordable. So if you’re looking for an affordable Xenia bankruptcy attorney, we think Fesenmyer Cousino Weinzimmer is your best choice. Our satisfied clients think so, too.
Bankruptcy is a process designed to put you on a stronger financial footing so you can move forward with confidence. By taking this opportunity and learning lessons along the way, you can be well-positioned for a successful financial future.
If you feel like it’s time to get a fresh start in life, we couldn’t agree more. You don’t have to continue to suffer under the weight of mounting debt. You don’t have to stay up at night worrying and wondering how you will provide for your family. You have choices, and there are solutions. Laws make it possible to set aside old debt and step out into a brighter tomorrow. If you’d like to learn more about your bankruptcy and your various options, give us a call at 614-228-4435 (Columbus), 937-222-7472 (Dayton), or 877-654-5297 (Cincinnati). At Fesenmyer Cousino Weinzimmer, we offer a free initial consultation.
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