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Knowledgeable Columbus bankruptcy attorney in debt consolidation
For both Chapter 7 and Chapter 13 bankruptcy filings you need a highly qualified Columbus bankruptcy attorney. Bankruptcy is too complex a legal issue to be left to an amateur, or a Columbus bankruptcy attorney who is not a full-time bankruptcy lawyer. A Legal Helpers sponsoring Columbus bankruptcy attorney handles only Chapter 7 and Chapter 13 filings. A sponsoring Ohio bankruptcy attorney of Legal Helpers understands all the complexities and nuances of debt consolidation.
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When you hire an experienced Ohio bankruptcy attorney, they can analyze your specific case and determine if you are eligible for a Chapter 7 or 13 bankruptcy filing.
In some ways the process in Chapter 7 and Chapter 13 bankruptcy are the same, but they also differ in many critical ways. Qualified Ohio bankruptcy attorneys have the experience to understand your needs and determine what is best for you.
Chapter 7 may eliminate most kinds of unsecured debt including credit cards, medical bills, most personal loans, judgments resulting from car accidents and deficiencies on reposed vehicles. In addition to getting rid of your debt, you typically can keep all of your property in a Chapter 7. As long as your car and mortgage payments are current and there is no significant equity in your property, Chapter 7 could work for you.
Chapter 13 is an interest-free debt repayment plan through which you consolidate your debts and make payment on your debt over a 3 to 5 year period. While in a Chapter 13 debt repayment plan, your creditors cannot collect from you and your creditors are required by law to adhere to the terms of the plan. To file a Chapter 13, you must be working or have a consistent source of income for your repayment plan to be approved by the court.
Relief from harassment
As soon as you come into our office, we will give you a client record number and you will then refer all future creditor calls to your lawyer. No more credit card payments and no more harassing phone calls -- immediately upon retaining Legal Helpers.
Call toll-free, 1-888-7-help-us to speak directly with an attorney!