Experienced Chapter 13 Bankruptcy Law Attorney
Debt Reorganization – Debt Consolidation

You make a substantial income, but you still owe more each month than you bring in. There’s the mortgage, the boat payment, two car payments, and the kids’ tuition.  The credit cards are maxed out and the creditors are calling. What can you do?

You may be a candidate for 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.

To qualify for Chapter 13 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.)

To discuss whether you may qualify for filing Chapter 13 bankruptcy, please contact Columbus bankruptcy attorney Ralph A. Kerns today for a free 15-minute phone consultation.

You can take the credit counseling sessions required for bankruptcy filing at our office.

From offices in the Columbus, Ohio, suburb of Worthington, chapter 13 bankruptcy law lawyer Ralph A. Kerns, represents clients in the communities of Delaware, Lancaster, Newark, Marysville, Circleville, Westerville, Dublin, London, and Washington Court House, as well as residents of Franklin County, Delaware County, Fairfield County, Licking County, Union County, Pickaway County, Madison County, and Fayette County.

Free 15-Minute Phone Consultation • Visa and MasterCard Accepted

Ralph A. Kerns Attorney at Law, L. L.C.

Chapter 13 Bankruptcy Law Attorney
6797 North High Street, Ste. 325
Worthington, OH 43085
(614) 785-9420 (phone)
(614) 785-9490 (fax)

Handicapped Accessible • Located Near the Intersection of I-270 and Route 23

We are a debt relief agency. We help people file
for bankruptcy relief under the Bankruptcy Code.