We are bankruptcy attorneys located in Eastgate, Ohio.
Are you considering filing for bankruptcy protection? If so, you should contact our office today and make your appointment for your free consultation.
At this free consultation you will be able to sit down with an experienced knowledgeable bankruptcy attorney. He will listen to your situation and then be able to advise you which steps you need to take next.
You do not need to bring much to this free consultation. Just basically bring yourself. Everything you will need to know will be in your head. Such as how much debt you have and what your income is. Are you current on your home or are you behind, has there been a foreclosure filed? Are you current on your vehicle or are you behind on your vehicle. All of this information will allow for the attorney to determine which Chapter of bankruptcy would be best for you.
There are several bankruptcy chapters, but most consumers file Chapter 7 or Chapter 13 bankruptcies. What are the differences in the chapters?
Chapter 7 Bankruptcy
Chapter 7 is referred to as straight bankruptcy. In Chapter 7 Bankruptcy you will be able to discharge (clear) all of your unsecured debts while retaining secured items that you wish to keep and continue to pay on. Once you receive this discharge your creditors cannot collect on this debt at anytime, now or in the future.
Chapter 7 Bankruptcy will stop all collection proceedings including, phone calls, mailings, garnishments and court proceedings.
Chapter 13 Bankruptcy
Chapter 13 is a re-payment plan that will stop a foreclosure or repossesion of a vehicle. Chapter 13 Plans last for three to five years. During this re-payment period you will be able to pay back all your missed payments on your home or vehicle. Your creditors will file claims with the court to be paid and the Chapter 13 Trustee will disburse your funds to your creditors for you. At the end of Chapter 13 Bankruptcy you will receive a discharge under the bankruptcy code.
Once you decide to file for bankruptcy protection and retain this office you will then be able to let your creditors know that you have decided to file for bankruptcy and refer them to our office. This will relieve alot of stress for you.
A small retainer fee will get the process started, we will then accept monthly payments until your fees are paid in full. At that point we would file your bankruptcy case.
Fore more information check out our website at Keegan
Contact our office today and schedule your free consultation with one of our Eastgate, Ohio Bankruptcy Attorneys.