Guiding You Through Chapter 7 Bankruptcy
Changes in the bankruptcy laws have made it more difficult than ever to file for Chapter 7 bankruptcy, but it is still possible. At the Worthington, Ohio, offices of Ralph A. Kerns & Associates, we can guide you through the process to the best possible results.
We understand that many people find themselves in debt due to no fault of their own. Sometimes, they faced illness or unemployment. We never judge, but we start with a thorough and frank talk with you about your finances.
Together, we will work with you to discover your options. We use over 27 years of experience to help you discuss those options while creating a plan for action.
What is Chapter 7 Bankruptcy?
Chapter 7 bankruptcy is a type of liquidation bankruptcy that discharges your debts and gives you a fresh financial start. It may be possible to keep most of your personal possessions and even some assets, such as your car or home. There are unique exemptions established by the State of Ohio. It is important to discuss your circumstances with a knowledgeable and experienced bankruptcy lawyer.
Not everyone can file for Chapter 7 bankruptcy. People who have filed bankruptcies within the past eight years and those who meet specific income requirements may be required to repay their debt (or a portion of it) by filing Chapter 13 bankruptcy. If you are tired of harassing phone calls, worrying about your finances and the future, we can help. Chapter 7 bankruptcy may be one option. It is always best to talk with a lawyer about how the law may apply to you.
Contact Ralph A. Kerns & Associates
Our Worthington, Ohio, law office offers free initial consultations about debt relief, including your Chapter 7 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.
