Filing for personal bankruptcy can be a frightening idea for many people.
There are a lot of perceptions about how bankruptcy destroys one's financial life, and they simply aren't true.
These are changing times, and many forces beyond your control can affect your finances.
The loss of a job, medical bills, credit card debt, unexpected repairs and expenses, even the loss of your spouse can make it hard to meet your bills.
Once you fall behind, the harassing phone calls from collectors, foreclosure notices, and the pile of accumulating bills can become overwhelming.
I want you to know there is hope.
I've been in practice for over 28 years, and I work with individuals and couples to resolve their financial problems and move on with their lives. You might just need some time to reorganize, or to have the time to pay off your debts without all of the stress.
Filing a Chapter 13 bankruptcy might offer the right solution to help you to work through your challenges and keep your home, cars and the personal property you wish to protect.
Another option is to consider filing a Chapter 7 bankruptcy, which basically resolves your outstanding debt to give you a fresh start.
The laws of Ohio provide unique protections to our citizens, and it may be possible to solve your financial problems, while keeping the things which are really important to you.
There are times to buckle down and work through your financial issues.
There are also times to consider other options.
Most of my clients come in for their first visit overwhelmed by their situation, and exhausted from the constant pressure of their bills.
I want them to leave my office with a lighter heart, understanding that bankruptcy is not the end...it's a beginning.
I invite you to contact us or come in for a visit.
It really is possible to resolve your problems, rebuild your credit, and move forward with life.
I'd like to help.
