For more than 16 years, Rauser & Associates Legal Clinic LLP has provided exceptional client service and dedicated representation to more than 40,000 individuals facing financial troubles. Our personal bankruptcy attorneys can explain the intricacies of the process to our clients in clear, direct language. The goal of our lawyers is to make complex topics easy to understand.
If you have questions about how bankruptcy can work for you, schedule a free consultation to discuss your options. We represent clients in Columbus, Cleveland, Akron, Youngstown and Canton and across Ohio.
Chapter 7 Bankruptcy: Get A Fresh Start
Through Chapter 7 bankruptcy, you can get a fresh start through the elimination of debt. In Chapter 7, you can eliminate unsecured debt. This is debt that is not attached to a specific asset. Common unsecured debts that can be discharged in bankruptcy include credit card debt, medical bills, utility bills, personal loans and some court judgments. In most cases, you can keep your home, car and other personal belongings. We may be able to use Chapter 7 to:
- Stop creditor harassment
- Prevent or end lawsuits
- Eliminate repossession debts
- Stop garnishments on wages
- Lower your car payments
Chapter 7 is a way for you to begin re-establishing your credit by reducing your debt-to-income ratio. With little or no remaining debt, lenders may feel that you will be better able to repay you debts in the future. Please call us to discuss your options for getting a fresh financial start.
Chapter 13 Bankruptcy: Create A Payment Plan
Even if you are not eligible for Chapter 7 via the means test or you have significant assets you'd like to protect through the bankruptcy process, Chapter 13 is still an option. Chapter 13 bankruptcy allows you to create a custom payment plan, typically lasting three to five years, to repay your debt. During that time, creditors cannot take action to collect the debt against you. This can include debts such as your mortgage, car loans, student loans and unsecured debts. By filing under Chapter 13, you can:
Call us now if you have equity in a home or car that could be lost unless you take appropriate legal action now.
If you have further questions about filing Chapter 7 or Chapter 13 bankruptcy, contact any of our convenient Ohio offices by calling 888-843-5787. We have offices in Columbus, Cleveland, Canton and Akron and throughout Ohio. Someone is available six days a week to discuss your options.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.