Bankruptcy Attorney Worthington, Ohio
Sometimes, through no fault of a person's own, bankruptcy becomes the only option for achieving debt relief. Divorces, lost jobs or medical problems are just some of the life events that can send your finances into a free-fall.
Further, bad credit, high interest rates and mounting credit card debt can make you feel like you’ll never get all your bills paid no matter how hard you work. At the Worthington, Ohio, office of Ralph A. Kerns & Associates, we understand. Our goal is to protect our clients from becoming emotionally and financially exhausted — guiding them on the path through bankruptcy toward a new financial future.
- Filing Chapter 7 Bankruptcy: Chapter 7 personal bankruptcy helps eliminate your debt and give you a fresh start. The trade off is that you may, in some instances, have to sell — or liquidate — some of your assets, such as a car or real estate holding, to partially pay back your creditors.
- Filing Chapter 13 Bankruptcy: Chapter 13 bankruptcy is often called the “wage earner’s plan.” It offers a way to pay off your debts from your current income, but to do so slowly — typically over three to five years.
Bankruptcy and family law disputes: When a couple divorces, the assets that used to support only one household must now be divided to support two. This can cause a great deal of financial strain, often leading to bankruptcy. A good divorce lawyer — a lawyer like Ralph Kerns — knows that discharge of debts should be considered at the time of the divorce.
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.
