Too many people put off seeking debt relief because they are afraid of what may be involved and what it will cost. Fortunately, if your debt is getting to be more than you can handle, there is help available, and starting the process doesn’t have to cost anything.
Bankruptcy, a legal way to have many debts forgiven, can put you on the road to financial recovery and provide a fresh start. Filing can keep creditors from harassing you and seizing your possessions, allow debts to be forgiven, and provide a way for you to keep many assets and begin to rebuild your life.
The skilled and compassionate debt-relief attorneys at Fesenmyer Cousino Weinzimmer understand the fears and doubts that come with filing for bankruptcy, and we know you will have many questions you would like to have answered about the process. Consequently, we offer a free consultation to do a basic assessment of your case, discuss your options, and determine which path to financial solvency will work best for your individual situation.
With law offices in Columbus, Dayton and Cincinnati, we provide advice, assistance and a pathway to a fresh start for clients with financial difficulties in central and southwestern Ohio. Delaying can only make your situation worse, so contact us today to set up your free consultation by calling or using our online contact form.
How Our Free Consultations Work
A free consultation gives you the opportunity to learn more about the services we provide. You will personally discuss your financial affairs with an attorney that will work directly with you throughout your case. We offer the initial consultation in person or over the phone if that is more convenient for your schedule. We will review your income, your assets, and your debt and then we will discuss the options available for you to obtain relief from your liabilities.
When you first contact our office at Fesenmyer Cousino Weinzimmer, we will set up a mutually convenient time to review your options. Your consultation will be with one of our attorneys — Thomas M. Fesenmyer, Courtney A. Cousino or Danielle R. Weinzimmer. We have had years of experience helping thousands of Ohio clients overcome numerous obstacles to true debt relief. Our firm’s Legal Assistant and Office Manager, Pam Fesenmyer is based in Dayton, Ohio, Pam provides legal and administrative support to the attorneys at all three of our offices and enjoys assisting people in managing their finances and resolving financial issues. She is bound to make you feel more relaxed about your situation.
Our attorneys will explain the basics of bankruptcy to you and help you to determine which, if any, of the bankruptcy chapters will be right for you. Our clients receive personalized case evaluations 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.
Chapter 7 or Chapter 13
The United States Bankruptcy Code provides several ways for individuals to file bankruptcy. The most common types, Chapter 7 and Chapter 13, have several similarities, differences, and advantages and disadvantages. We will help you decide which is preferable based on your individual circumstances.
Chapter 7 Bankruptcy: This is the most common form of bankruptcy and will discharge (eliminate) most or all consumer and/or business debts so they do not have to be paid. If your income is too low to pay credit card, medical, and utility bills, or payday or personal loans, this may be your best option. Chapter 7 bankruptcy is over in a few months, and you can begin rebuilding credit quickly. You might have to sell property to help pay creditors, but there are Ohio bankruptcy exemptions for property that cannot be sold, including clothing, cars, work equipment, and household furnishings. Even all of your possessions may be exempt, qualifying you for a “no asset” case.
Chapter 13 Bankruptcy: This is a reorganization plan that allows you to consolidate your payments to avoid fees and fines and repay some or all of your debt affordably over a three- to five-year period. It is best for people who don’t qualify for Chapter 7, and who have a steady income, temporary financial problems where they can’t meet their debts, and a desire to repay some of the debt in order to keep some assets. If you successfully complete the court-approved payment plan, the debts covered by the plan are discharged. If you have secured debts like a car loan or non-dischargeable debts like tax debts or child support, you can pay them off at a reduced amount.
Questions to Ask
In addition to explaining bankruptcy basics, our attorneys will answer questions you might have. We will tell you about our experience, the time we will devote to your case, how often you can expect to hear from us with updates, and what information we need from you.
We will also explain our fee structures and additional costs you may encounter. We understand that those struggling to deal with debt cannot afford to be burdened with large attorney fees, so we make our services as affordable as possible. By efficiently analyzing your situation and your options, we can prevent you from making mistakes that can wind up costing you more in the long run.
Contact Us and Get Help
The experienced and dedicated team of Ohio bankruptcy and debt settlement attorneys at Fesenmyer Cousino Weinzimmer work hard to ensure each client’s situation is handled professionally and uniquely. We take the time to advise each client of the best options for their individual situations. Once our clients decide to move forward toward financial freedom, we begin implementing solutions without delay. We handle every phase of the process, including getting creditors to stop attempting to collect on unpaid bills.
Take the first step toward relief and CONTACT US TODAY FOR YOUR FREE INITIAL CONSULTATION. We will 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.
Delaying can only worsen your situation, so call the Ohio bankruptcy attorneys at Fesenmyer Cousino Weinzimmer today! Call one of our conveniently located office branches or email for your free consultation.