Contact Us For A
Bold labels are required.
If you face insurmountable debt, a personal bankruptcy filing can help you stop the incessant phone calls and letters and get a fresh financial start. When you file for bankruptcy protection, your creditors are required by law to terminate any efforts to collect the debt other than through the bankruptcy courts. Contrary to what your creditors will tell you, bankruptcy isn't a sign of defeat or failure. The law was set up to protect people just like you.
At the law offices of Amy M. Levine & Associates, we offer comprehensive counsel to individuals who want to alleviate financial stress through a personal bankruptcy filing. We start by listening, taking the time to learn as much as we can about your financial situation, so we can help you choose a strategy that best fits your needs. Whether you file a Chapter 7 or Chapter 13 petition, we will prepare all the necessary documents and act as your advocate in all hearings or proceedings with creditors, the court or the bankruptcy trustee.
To set up a free initial consultation, please fill out our contact form, or call us at 614-360-2942 in Columbus, OH or 304-519-4354 in Huntington, WV.
The Truth About Bankruptcy
Myths about bankruptcy are common, and they sometimes keep people from taking advantage of its benefits.
Will bankruptcy ruin my credit? Simply put, no. While the initial filing may impact your credit score, discharging existing debt will likely improve your ability to borrow money in the future. After filing, most people's credit scores improve significantly in just a few years. What will ruin your credit is continuing to spiral into debt without taking action to stop it.
Will I have to give up my home or car? In most cases, you can keep important possessions such as your house, car and furniture. While Chapter 7 does call for liquidation of some assets, there are state and federal exemptions in place that protect your property. Even if your property is not exempt, it is often possible to reach an agreement with creditors. We can help.
Will bankruptcy make me a failure? Taking responsibility for your debt and securing a fresh start is something to be proud of, not ashamed of. Often, the circumstances that lead to bankruptcy are out of your control - such as an expensive divorce, unexpected illness or loss of employment. Do not continue to punish yourself for your situation. Talk to one of our attorneys and take the first step toward financial control.
Considering Bankruptcy? We Can Help You Breathe Easy.
When you hire us to help you determine whether a bankruptcy filing is in your best interests, we will start by determining whether you qualify to permanently discharge your debts under Chapter 7. If you don't or if you choose to repay your creditors over a three- to five-year period, we will help you restructure your debt under Chapter 13, putting together a reorganization plan for you and reviewing any proposed repayment plans from your creditors.
We will help you understand how you can use a personal bankruptcy filing to:
- Prevent your wages from garnishment
- Stop a foreclosure proceeding
- Get rid of credit card debt and medical bills
- Avoid the repossession of personal property
We know from experience that divorce and bankruptcy often go hand in hand. We will help you determine whether bankruptcy will protect you in a divorce proceeding and, whenever possible, will look to settle your divorce issues without the need to file for bankruptcy.
Free Consultation — Flexible Payment Plans
We provide a free initial consultation to all new clients so you can learn more about your options and take the first step toward financial freedom. To arrange a meeting with one of our knowledgeable attorneys, contact us at 614-360-2942 in Columbus, Ohio, or 304-519-4354 in Huntington, West Virginia.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.