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If you have unmanageable credit card debt or have incurred substantial unreimbursed medical expenses due to injury or illness, you may be considering a personal bankruptcy filing to help you put a stop to the endless calls and letters attempting to collect the debt. You may be uncertain, however, whether you qualify for protection under the bankruptcy laws and what the short- and long-term consequences of a bankruptcy filing are.
At the law offices of Amy M. Levine & Associates, we start by listening, taking the time to learn as much as we can about your financial situation. We will help you understand the advantages and disadvantages of Chapter 7 or Chapter 13 bankruptcy filings. Contrary to what most creditors will tell you, a bankruptcy filing is not a sign of failure and will not ruin your chances of ever getting credit again. The bankruptcy laws were put in place to provide relief for people just like you. Let us help.
To schedule a free initial consultation with an Ohio bankruptcy lawyer, contact our office or call us at 614-360-2942 in Columbus or 304-519-4354 in Huntington.
Helping People Eliminate Credit Card Debt
When you hire us to help you deal with overwhelming credit card debt or medical bills, we will first determine whether you are eligible to permanently discharge debt under Chapter 7. The bankruptcy laws changed in 2005, making it more difficult to file for protection under Chapter 7. We will look closely at your situation to determine if this option is available to you. If so, we will file all the documentation necessary to complete the Chapter 7 filing, and represent you in any hearings or meetings with creditors, the court or the bankruptcy trustee.
If you don't qualify to discharge debt under Chapter 7, you may still be able to get relief under Chapter 13. In a Chapter 13 bankruptcy proceeding, you agree to repay your creditors over a three- to five-year period. In exchange, your creditors are prohibited from using any means outside of bankruptcy to attempt to collect the debt.
We will help you put together a plan for the reorganization of your debt and will review any proposed repayment plans from your creditors to ensure they are within your means. You must keep any promises you make in a bankruptcy proceeding or you can lose the protections afforded by the law.
Contact Our Office
We provide a free initial consultation to all clients. To set up an appointment, contact us or call us at 614-360-2942 in Columbus or 304-519-4354 in Huntington. We will set up a payment plan if necessary.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.