Columbus, Ohio Attorneys Handling Chapter 13 Bankruptcy Filings
Guiding You Through Chapter 13 Bankruptcy
People never imagine that they will need to file for bankruptcy. But sometimes bankruptcy can be the best path toward financial freedom.
At the Worthington, Ohio, offices of Ralph A. Kerns & Associates, we understand that bankruptcy happens to good people — sometimes through no fault of their own. We help them take action to get back on track after suffering from financial problems, often by exploring their options under Chapter 13 bankruptcy. If you would like to learn more about Chapter 13 bankruptcy, please contact our office to schedule a no-cost appointment.
Is Chapter 13 Bankruptcy an Option for Me?
Chapter 13 bankruptcy is often called the "wage earner's plan." It creates a debt repayment plan that gradually pays off your debts from your current income. A Chapter 13 repayment plan typically takes three to five years.
To qualify for Chapter 13 bankruptcy you must make enough income to pay off some or all of your debt. There are limits to how much debt is allowed in both secured debt (such as real estate holdings that could be sold to pay creditors) and unsecured debt (such as medical bills and credit cards).
Many people are uncertain whether they qualify for Chapter 13 bankruptcy. The best way to find out is to speak with one of our experienced lawyers. Attorney Kerns applies 27 years of legal experience to help you understand your options — and act on them.
Contact Ralph A. Kerns & Associates
Our Worthington, Ohio, law office offers free initial consultations about your bankruptcy needs. To talk with a lawyer, call us at 614-515-4279 or toll free at 877-209-1423. You may also fill out our online contact form.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
