Ohio Bankruptcy Lawyer
If you are struggling to meet your financial obligations and have fallen behind on your mortgage, you may be worried about foreclosure. The federal bankruptcy laws can help you temporarily stop foreclosure proceedings, often giving you the short-term relief you need to get a fresh start. Before you file for protection, however, you want to hire an experienced bankruptcy attorney so you take the right steps to protect your interests.
At the law offices of Amy M. Levine & Associates, we have a comprehensive understanding of the personal bankruptcy laws. We start by listening, taking the time to learn the specific details of your situation, so we can identify all your options. We will carefully explain the bankruptcy laws and process, as well as your likelihood of reaching your goals, so you always know what to expect.
We offer a free initial consultation. To schedule an appointment, contact our office or call us at 614-360-2942 in Columbus or 304-519-4354 in Huntington.
Columbus Stop Foreclosure Attorney
If you are dealing with creditor harassment, whether in the form of incessant phone calls or threatening letters, the federal bankruptcy laws can help, even with foreclosure actions. Under the laws, an automatic stay goes into effect immediately upon the filing of a Chapter 7 or Chapter 13 petition. The automatic stay prohibits your creditors from calling, writing or pursuing legal action (outside of the bankruptcy proceeding) to recover any debt. This includes mortgage obligations.
In a Chapter 7 filing, you are allowed to permanently discharge certain debt in exchange for the sale of nonexempt assets. While a Chapter 7 filing will suspend foreclosure proceedings, you cannot discharge the debt on your home and still keep the property. If Chapter 7 appears to be the best option for you, we will work with you to discharge those debts that are permissible so you can afford to make your house payments.
In a Chapter 13 proceeding, you enter into new payment arrangements with your creditors, agreeing to pay off debts under new terms over a three- to five-year period. We will help you put together a reorganization plan and will review all proposed debt restructuring to ensure that the payments are within your means.
Contact Us
To set up a free initial consultation, contact us or call us at 614-360-2942 in Columbus or 304-519-4354 in Huntington. Payment plans are available.
