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Receiving Federal Protection When Filing Bankruptcy in Ohio

As soon as you file your bankruptcy petition with the court, you will receive protection under the Federal government.  The Federal protection you will receive is called an “Automatic Stay of Protection”.  The Automatic Stay of Protection is what will stop a lawsuit, wage garnishment, foreclosure, sheriff sale, vehicle repossession, and utility disconnection.  The automatic stay of protection will stop all creditor collection efforts against you and keep them from messing with your money.

Filing Bankruptcy to Stop Foreclosure or Sheriff Sale on Real Estate

Getting served a Complaint for Foreclosure or Notice of Sheriff of Sale can be a difficult financial situation to resolve on your own especially if the bank is unwilling to work with you. You may be behind in your mortgage payments because of unemployment, underemployment, or added unexpected expenses. Many times calls to banks go unreturned and loan modifications are often denied. Bankruptcy is an option available under the Federal government that will give you Federal protection. Bankruptcy can help you when creditors are unwilling. Bankruptcy will give you a legal avenue to get current on your mortgage payments if you would like to keep your home or can be used as a legal solution to walk away free and clear if keeping the home is not an option you would like to explore. You can tailor a bankruptcy around your unique situation. There are many options available between both Chapter 7 and Chapter 13 bankruptcy.  It is very important that once you are served paperwork from a foreclosure or sheriff sale that you take action immediately before your home is taken from you. Call today for a free consultation! Help is just one phone call away! 614-934-1544

Filing Bankruptcy to Resolve Lawsuit and Stop Wage Garnishment 

Filing bankruptcy will stop a wage garnishment and will also stop a lawsuit from beginning or continuing. After filing your bankruptcy petition, you will receive an automatic stay of protection that will stop all creditor collection efforts against you. In Ohio, your wages can become garnished up to 25% of each paycheck. The wage garnishment is sent to your employer and comes directly out of your payroll. This means the money is already taken out of your pay before your pay check is issued or direct deposited into your bank account. If a judgment is rendered against you from a lawsuit the creditor can garnish wages, seize funds out of bank accounts, and attach liens to property. Filing bankruptcy will prevent your wages from becoming garnished and can stop a wage garnishment if your wages are already garnished. It is very important that once you are served paperwork from a lawsuit that you take immediate action before your money is taken from you. Call today for a free consultation! Help is just one phone call away! 614-934-1544

Filing Bankruptcy to Get Your Driver’s License Back From Suspension

Filing bankruptcy can help you get your driver’s license back from suspension. If you were involved in an auto accident and were uninsured or underinsured, the insurance company will usually file a lawsuit against you to recover the debt owed from the accident. The insurance company will attempt to garnish your wages and can even suspend your driver’s license until the debt is paid in full. Filing bankruptcy will eliminate the debt owed from the auto accident and will also stop a wage garnishment and get your driver’s license back. You can even eliminate the reinstatement fees when you go to the BMV to get your driver’s license back after you file bankruptcy. For more information about filing bankruptcy contact us for a free consultation. Help is just one phone call away! 614-934-1544

Filing Bankruptcy to Stop Utility Disconnection

Filing bankruptcy will stop a utility disconnection by Federal law. Filing a Chapter 7 or Chapter 13 bankruptcy will eliminate the debt owed from a utility bill along with most of your other debts. After a utility bill gets so high, the utility company will send you a notice to shut off your utilities. This can create a disaster not having the ability to use a refrigerator, stove, hot water, and other major appliances. In many situations, the money the utility company asks for you simply do not have. Filing a Chapter 7 or Chapter 13 bankruptcy will not only stop -the utility company from turning off your utilities, but can also get your utilities turned back on if the utilities have already been turned off. Some of the most common utility companies in Ohio are AEP, Columbia Gas, and City of Columbus Power & Water. Call today for a free consultation.  We can help! 614-934-1544

Filing Bankruptcy to Stop Vehicle Repossession

Filing Chapter 7 or Chapter 13 bankruptcy will stop a vehicle repossession by Federal law.  Filing bankruptcy can help you if you are behind in your vehicle payments. If your vehicle is repossessed and action isn’t taken quickly, the vehicle will be lost and there will be nothing you can do. Filing a Chapter 13 bankruptcy will get a vehicle back from repossession or keep the vehicle from getting repossessed if you are behind in payments.  Chapter 13 will cure the arrearages and allow you to get caught up on your vehicle payments. Filing Chapter 7 is an option available if you don’t want to keep the vehicle. Filing a Chapter 7 bankruptcy will eliminate the debt owed from a repossessed vehicle along with most other debts or bills. Call today for a free bankruptcy consultation to explore your options! Help is just one phone call way! 614-934-1544

Stalling an Eviction by Filing Bankruptcy

If you are behind in rent and the landlord has not received a judgment against you for possession, you can stall the eviction process by filing bankruptcy. The landlord cannot evict you without filing the proper paperwork with the court and obtaining the Bankruptcy Court’s permission to begin the eviction. The landlord will have to request that the Bankruptcy Court lift the automatic stay.  You can eliminate the debt owed from an eviction along with most of your other debts by filing bankruptcy.  Call today for a free bankruptcy consultation with an experienced bankruptcy attorney!  Help is just one phone call away! 614-934-1544

Debts or Bills That You Can Eliminate By Filing a Chapter 7 or Chapter 13 Bankruptcy

  • Credit Cards
  • Medical Bills
  • Personal Loans
  • Utility Bills
  • Items Sent to Third-Party Collections
  • Debt Owed From a Foreclosed Home
  • Debt Owed From Repossessed Vehicles
  • Evictions
  • Attorney Fees
  • Reinstatement Fees
  • Some Tax Debt

Call Today to Schedule a Free Bankruptcy Consultation With an Experienced Attorney Who Cares About YOU that CAN Help!

The Law Office of M. Sean Cydrus cares and can help you craft a plan to rebuild your financial future. We understand the stress of financial worry. We use a personal approach to solving your financial challenges and are here to help you through this difficult time. We pride ourselves on the ability to provide our legal expertise with compassion and understanding. We ensure that your rights are protected and never hesitate to take immediate action when time is of the essence. We can meet with you at our conveniently located offices in Columbus and Chillicothe. Call today for a free consultation! Help is just one phone call away! 614-934-1544

Click here to submit a question or to request a free bankruptcy consultation! What difficult financial situations are you trying to resolve? We will be happy to help! We pride ourselves on the ability to provide our legal expertise with compassion and understanding. Help is just one click or phone call away! 614-934-1544

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How Does Filing Bankruptcy in Ohio Resolve Foreclosure and Stop a Sheriff Sale on Real Estate?

Getting served a Complaint for Foreclosure or Notice of Sheriff Sale can be a difficult financial situation to resolve on your own especially if the bank is unwilling to work with you. You may be behind in your mortgage payments because of unemployment, underemployment, or added unexpected expenses. Many times calls to banks go unreturned and loan modifications are often denied. Bankruptcy is an option available under the Federal government that will give you Federal protection. Bankruptcy can help you when creditors are unwilling.  Bankruptcy will give you a legal avenue to get current on your mortgage payments if you would like to keep your home or can be used as a legal solution to walk away free and clear if keeping the home is not an option you would like to explore.  You can tailor a bankruptcy around your unique situation.  There are many options available between both Chapter 7 and Chapter 13 bankruptcy.

My House is in Foreclosure and I Want to Keep My Home

You probably have tried working with the bank, but the bank wasn’t willing to work with you. Many times the bank will demand the whole balance in one lump sum and won’t settle for payments. This creates a problem because if you had the money you wouldn’t be behind in the first place.  Filing Chapter 13 bankruptcy can help if you are behind in your mortgage payments and you would like to keep your home.  Filing a Chapter 13 bankruptcy will cure the arrearages and can help you get current on your mortgage payments. Filing Chapter 13 bankruptcy will stop a foreclosure and sheriff sale by Federal law.  Filing Chapter 13 bankruptcy will also eliminate most of your other debts such as credit cards, medical bills, personal loans, utility bills, and items sent to third-party collections. Federal bankruptcy laws are set in place to help you when creditors won’t. Call today to schedule a free consultation to learn more about how bankruptcy can help.   Help is just one phone call away! 614-934-1544

My House is Scheduled for Sheriff Sale, What Can I Do?

If your house is scheduled for sheriff sale, it is important to take action immediately. If nothing is done before the sheriff sale date, your home will be lost and there won’t be anything else you can do. Filing bankruptcy will stop the foreclosure by Federal law and will take your home off of the sheriff sale listing.   If your house is scheduled for sheriff sale and you are actively looking for a solution, we invite you to contact us for a free consultation to explore your options.  Help is just one phone call away! 614-934-1544

Ways Bankruptcy Can Help Rebuild Credit and Resolve Difficult Financial Situations

  • Get a Fresh Start by Eliminating Most Debts Owed
  • Cease or Stop All Creditor Collection Efforts Against You
  • Stop a Lawsuit From Beginning or Continuing
  • Stop a Wage Garnishment
  • Stop a Foreclosure / Sheriff Sale
  • Stop a Vehicle Repossession
  • Get a Vehicle Back From Repossession
  • Stop a Utility Disconnection
  • Get Driver’s License Back From Suspension
  • Rebuild Credit
  • Get Financed For a Vehicle
  • Get Approved For an Apartment
  • Stall an Eviction

What Debts Can I Eliminate By Filing Bankruptcy in Ohio?

  • Credit Cards
  • Medical Bills
  • Personal Loans
  • Utility Bills
  • Items Sent to Third-Party Collections
  • Debt Owed From a Foreclosed Home
  • Debt Owed From Repossessed Vehicles
  • Evictions
  • Attorney Fees
  • Reinstatement Fees
  • Some Tax Debt

Call Today to Schedule a Free Bankruptcy Consultation With an Experienced Attorney Who Cares About YOU that CAN Help!

The Law Office of M. Sean Cydrus cares and can help you craft a plan to rebuild your financial future. We understand the stress of financial worry. We use a personal approach to solving your financial challenges and are here to help you through this difficult time. We pride ourselves on the ability to provide our legal expertise with compassion and understanding. We ensure that your rights are protected and never hesitate to take immediate action when time is of the essence. We can meet with you at our conveniently located offices in Columbus and Chillicothe. Call today for a free consultation! Help is just one phone call away! 614-934-1544

Click here to submit a question or to request a free bankruptcy consultation! What difficult financial situations are you trying to resolve? We will be happy to help! We pride ourselves on the ability to provide our legal expertise with compassion and understanding. Help is just one click or phone call away! 614-934-1544

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Save a House or Car by Filing Chapter 13 Bankruptcy in Ohio

Falling behind in a mortgage or vehicle payment can be a hard hill to climb back up.  Once you fall behind in payments the creditor will then try to take your assets away from you.  This can be devastating especially if you have equity that you have built throughout the years.  What filing Chapter 13 bankruptcy does for you is put these assets back in your hands.  Filing Chapter 13 bankruptcy will give you protection under the Federal government where the creditor CANNOT foreclosure on your home or repossess your vehicle.

I Tried Working With the Bank, but the Bank Wouldn’t Work With Me

You probably have tried working with the bank, but the bank wasn’t willing to work with you.  Many times the bank will demand the whole balance in one lump sum and won’t settle for payments.  This creates a problem because if you had the money you wouldn’t be behind in the first place.  So what happens is the bank will foreclose on a house or repossess a vehicle.  They will sell the asset at auction and the difference between what you owe on the loan and what the asset sells for is the bill they will send to you that you have to pay. The bill that they will send to you that could end up in a lawsuit is called a loan deficiency and could be thousands of dollars you simply do not have.  Scheduling a free consultation with The Law Office of M. Sean Cydrus would give you an opportunity to speak with an experienced attorney that can evaluate your unique situation and lay out every legal option available to you under the applicable law.  Help is just one phone call away! 614-934-1544

How Can Chapter 13 Bankruptcy Help Save My Home?

Filing Chapter 13 Bankruptcy would be beneficial if you are behind in your mortgage payments and you would like to find a solution to keep your home. Filing Chapter 13 bankruptcy will stop the foreclosure and a sheriff sale. Filing Chapter 13 bankruptcy would allow you to get current on your mortgage payments by being able to make payments on the arrears over a period of time compared to trying to come up with a lump sum of money you simply cannot afford or do not have.  One other benefit of filing Chapter 13 bankruptcy in Ohio is that you can get a fresh start on your other bills by eliminating credit cards, medical bills, personal loans, and other unsecured debts.  Feel free to contact us for a free bankruptcy consultation to discuss your options with your home.  Help is just one phone call away! 614-934-1544

How Can Chapter 13 Bankruptcy Help Me With a Vehicle Repossession?

Facing a vehicle repossession can make everyday living even more difficult. Not knowing the time or place that your car may be repossessed can be devastating to the family especially when there are young children involved. Filing Chapter 13 bankruptcy will keep your vehicle from becoming repossessed if you are behind in your payments. You can file a Chapter 13 bankruptcy to get a vehicle back from repossession as long as the vehicle has not been sold at auction from the creditor.  Chapter 13 bankruptcy will not only help you with stopping a vehicle repossession, but will also eliminate most unsecured debts.  Feel free to contact us for a free bankruptcy consultation to discuss your options with your vehicle.  Help is just one phone call away! 614-934-1544

Other Ways Filing Chapter 13 Bankruptcy Can Help in Ohio

  • Stop a Wage Garnishment
  • Stop a Utility Disconnection
  • Eliminate Most of Your Debts or Bills
  • Get Your Driver’s License Back From Suspension
  • Stop Creditor Harassment and Give You a Fresh Start

Call Today to Schedule a Free Bankruptcy Consultation With an Attorney Who Cares About YOU that CAN Help!

The Law Office of M. Sean Cydrus cares and can help you craft a plan to rebuild your financial future. We understand the stress of financial worry. We use a personal approach to solving your financial challenges and are here to help you through this difficult time. We pride ourselves on the ability to provide our legal expertise with compassion and understanding. We ensure that your rights are protected and never hesitate to take immediate action when time is of the essence. We can meet with you at our conveniently located offices in Columbus and Chillicothe. Call today for a free consultation! Help is just one phone call away! 614-934-1544

Click here to submit a question or to request a free bankruptcy consultation! What difficult financial situations are you trying to resolve? We will be happy to help! We pride ourselves on the ability to provide our legal expertise with compassion and understanding. Help is just one click or phone call away! 614-934-1544

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Stopping a Lawsuit in Ohio by Filing Bankruptcy

Once you have received the summons and complaint from the lawsuit, it is a matter of time before the court reaches a judgment.  You will usually receive a letter stating that you must respond within 28 days.  This can be devastating if the lawsuit was filed by a bill collector because what they are trying to do is collect the debt through getting a legal judgment rendered against you to garnish wages, seize funds out of bank accounts, or attach liens to your property.  Filing a Chapter 7 or Chapter 13 personal bankruptcy will stop a lawsuit from beginning or continuing.

Can Filing bankruptcy Stop My Wages from Being Garnished?

YES, filing a Chapter 7 or Chapter 13 bankruptcy will stop the creditor from garnishing your wages.  Once a bankruptcy has been filed the creditor will no longer be able to start or continue a wage garnishment according to Federal law.  The debt the creditor filed a lawsuit against you for will then be eliminated in the bankruptcy.  If you have a lawsuit on your hands and current being threatened with a wage garnishment, feel free to contact us for a free bankruptcy consultation.  Help is just one phone call away! 614-934-1544

A Lawsuit Was Filed Against Me Because of a Car Accident. Can Bankruptcy Stop the Wage Garnishment AND Get My Driver’s License Back from Suspension?

YES, filing bankruptcy will not only stop a wage garnishment, but can also help you get your driver’s license back from suspension.  If you were involved in an auto accident and were uninsured or underinsured, the insurance company will usually file a lawsuit against you to recover the debt owed from the accident.  The insurance company will attempt to garnish your wages and can even suspend your driver’s license until the debt is paid in full.  Filing bankruptcy will eliminate the debt owed from the auto accident and will also stop a wage garnishment and get your driver’s license back.  You can even eliminate the reinstatement fees when you go to the BMV to get your driver’s license back after you file bankruptcy.  For more information about how bankruptcy can help contact us for a free consultation.  Help is just one phone call away! 614-934-1544

What Debts Can I Eliminate by Filing Bankruptcy in Ohio?

  • Credit Cards
  • Medical Bills
  • Personal Loans
  • Utility Bills
  • Items Sent to Third-Party Collections
  • Debt Owed From a Foreclosed Home
  • Debt Owed From Repossessed Vehicles
  • Evictions
  • Attorney Fees
  • Reinstatement Fees
  • Some Tax Debt

Call Today to Schedule a Free Bankruptcy Consultation With an Attorney Who Cares!

The Law Office of M. Sean Cydrus cares and can help you craft a plan to rebuild your financial future. We understand the stress of financial worry. We use a personal approach to solving your financial challenges and are here to help you through this difficult time. We pride ourselves on the ability to provide our legal expertise with compassion and understanding. We ensure that your rights are protected and never hesitate to take immediate action when time is of the essence. We can meet with you at our conveniently located offices in Columbus and Chillicothe. Call today for a free consultation! Help is just one phone call away! 614-934-1544

Click here to submit a question or to request a free bankruptcy consultation! What difficult financial situations are you trying to resolve? We will be happy to help! We pride ourselves on the ability to provide our legal expertise with compassion and understanding. Help is just one click or phone call away! 614-934-1544

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Filing a Chapter 7 Bankruptcy in Columbus Ohio

You may be one of many Americans living in Ohio contemplating filing a Chapter 7 bankruptcy in Columbus, Ohio.  Chapter 7 bankruptcy is what most people envision of when they think about bankruptcy.  Chapter 7 bankruptcy will eliminate most of your debts and will stop all creditor collection efforts against you.

What Debts Can I Eliminate in a Chapter 7 Bankruptcy?

The following debts you can eliminate by filing a Chapter 7 Bankruptcy in Ohio:

  • Credit Cards
  • Medical Bills
  • Personal Loans
  • Utility Bills
  • Items Sent to Third-Party Collections
  • Debt Owed From a Foreclosed Home
  • Debt Owed From Repossessed Vehicles
  • Evictions
  • Attorney Fees
  • Reinstatement Fees
  • Some Tax Debt

Can I File a Chapter 7 Bankruptcy and Keep My Car?

YES, you can file a Chapter 7 bankruptcy in Ohio and keep your vehicle.  In Ohio, there are exemptions that will protect your vehicles while allowing you to eliminate your debts in a Chapter 7 bankruptcy.  If you don’t want to keep the vehicle you can give it up in the bankruptcy and eliminate the debt owed when they repossess.  For more information call today for a free bankruptcy consultation! Help is just one phone call away! 614-934-1544

Can I File a Chapter 7 Bankruptcy and Keep My House?

YES, you can file a Chapter 7 bankruptcy in Ohio and keep your house.  If you want to keep your home all you have to do is stay current on the mortgage payments.  The exemptions in Ohio will allow you to eliminate your debts and keep your home.  If you are behind in your mortgage payments and looking for a solution to stop a foreclosure or sheriff sale, filing Chapter 13 bankruptcy may be the best option for you.  For additional information call today for a free consultation to speak with an experienced Columbus Ohio Bankruptcy Attorney that cares and that can help! 614-934-1544

How Does Bankruptcy Work If I Am Married?

When you are married you have a choice to file bankruptcy by yourself or with your spouse.  You can file bankruptcy by yourself and leave your spouse out of it.  The bankruptcy will not affect your spouse whatsoever.  If you would like to file together to eliminate both spouse’s debts, you have an option to file a joint bankruptcy petition.  Filing a joint bankruptcy petition will allow a married couple to file one bankruptcy petition and eliminate their debts together instead of having to file two separate cases.  Filing a joint bankruptcy petition can help a married couple save time and money if they both want to file bankruptcy.  For more information about how filing bankruptcy can help you and your family call today for a free bankruptcy consultation! 614-934-1544

Ways Filing Bankruptcy in Ohio Can Help You and Your Family Financially

Call Today to Schedule a Free Bankruptcy Consultation With an Attorney Who Cares!

The Law Office of M. Sean Cydrus cares and can help you craft a plan to rebuild your financial future. We understand the stress of financial worry. We use a personal approach to solving your financial challenges and are here to help you through this difficult time. We pride ourselves on the ability to provide our legal expertise with compassion and understanding. We ensure that your rights are protected and never hesitate to take immediate action when time is of the essence. We can meet with you at our conveniently located offices in Columbus and Chillicothe. Call today for a free consultation! Help is just one phone call away! 614-934-1544

Click here to submit a question or to request a free bankruptcy consultation! What difficult financial situations are you trying to resolve? We will be happy to help! We pride ourselves on the ability to provide our legal expertise with compassion and understanding. Help is just one click or phone call away! 614-934-1544

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Get Your Driver’s License Back From Suspension Today by Filing Bankruptcy in Ohio

Filing bankruptcy doesn’t only eliminate most of your debts, but can also help you get your driver’s license back from suspension. Ohio law considers reinstatement fees as a debt that may be dischargeable or eliminated in bankruptcy under ORC 4510.10(G). As soon as your bankruptcy petition is filed, you can take your bankruptcy petition to the Bureau of Motor Vehicles (BMV) to get your driver’s license reinstated. The Bureau of Motor Vehicles (BMV) will review the documentation and remove the fees from your record that were included in the bankruptcy petition. Bankruptcy documentation may be filed in person at any Reinstatement Center location or may be mailed to the Ohio Bureau of Motor Vehicles, Attn: Compliance Unit, P.O. Box 16583, Columbus, Ohio 43216-6583.

I was Involved in a Car Accident. Can Filing Bankruptcy Get My Driver’s License Back From Suspension and Stop a Wage Garnishment from a Lawsuit Filed Against Me?

YES, bankruptcy can help!  A car accident can be a traumatic experience to encounter. It is something that happens when you least expect it and something you cannot foresee. Recovering from damages incurred in a car accident can be difficult. Sometimes the car insurance policy does not cover the entire bill and you can be left with a payment amount that would be next to impossible to pay. The situation can become even worse if there is no insurance on the vehicle at the time of the accident. If the person responsible for the auto accident is unable to pay the debt owed from the accident, the driver could lose their license and get their wages garnished until the amount is satisfied.  Filing bankruptcy will eliminate the debt owed from the lawsuit, stop a wage garnishment, and allow you to get your driver’s license back from suspension.  Call today to schedule a free bankruptcy consultation with an experienced bankruptcy attorney that cares! 614-934-1544

Where Do I Go to Get My Driver’s License Back After I File My Bankruptcy?

Bankruptcy documentation may be filed in person at any Reinstatement Center location or may be mailed to the Ohio Bureau of Motor Vehicles, Attn: Compliance Unit, P.O. Box 16583, Columbus, Ohio 43216-6583. Additional contact information can be found at www.bmv.ohio.gov/.

How Does Bankruptcy Stop the Wage Garnishment?

Filing bankruptcy will automatically stop a wage garnishment.  As soon as your bankruptcy petition is filed, legal documentation will be sent to the necessary parties and the wage garnishment will stop immediately by Federal law.  Filing bankruptcy will stop a lawsuit from beginning and continuing.  Filing bankruptcy will stop or cease all creditor collection efforts against you.  When you file bankruptcy, most of your debts will be eliminated.  Essentially, the creditor will not be able to collect on a debt that is no longer there.  For more information about filing bankruptcy call 614-934-1544!

Ways Filing Bankruptcy in Ohio Can Help You and Your Family Financially

Debts You Can Eliminate by Filing Bankruptcy in Ohio

  • Credit Cards
  • Medical Bills
  • Personal Loans
  • Utility Bills
  • Items Sent to Third-Party Collections
  • Debt Owed From a Foreclosed Home
  • Debt Owed From Repossessed Vehicles
  • Evictions
  • Attorney Fees
  • Reinstatement Fees
  • Some Tax Debt

Call Today to Schedule a Free Bankruptcy Consultation With an Attorney Who Cares!

The Law Office of M. Sean Cydrus cares and can help you craft a plan to rebuild your financial future. We understand the stress of financial worry. We use a personal approach to solving your financial challenges and are here to help you through this difficult time. We pride ourselves on the ability to provide our legal expertise with compassion and understanding. We ensure that your rights are protected and never hesitate to take immediate action when time is of the essence. We can meet with you at our conveniently located offices in Columbus and Chillicothe. Call today for a free consultation! Help is just one phone call away! 614-934-1544

Click here to submit a question or to request a free bankruptcy consultation! What difficult financial situations are you trying to resolve? We will be happy to help! We pride ourselves on the ability to provide our legal expertise with compassion and understanding. Help is just one click or phone call away! 614-934-1544

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What Options Do I Have If I Am Married and Filing Bankruptcy in Ohio?

What options do I have if I am married and filing bankruptcy in Ohio?  When you are married and filing bankruptcy in Ohio, you have several options.  You can file bankruptcy by yourself or with your spouse.  You can even pick and choose items that you want to keep paying on or give up in a bankruptcy.  The great thing about hiring an attorney to file your bankruptcy is that you can tailor a bankruptcy around your personal wants and needs.  When you file bankruptcy, you have options.

Can I File Bankruptcy By Myself and Leave My Spouse Out of It?

YES! Just because you file bankruptcy doesn’t mean that you have to involve your spouse. When you are married, you have an option to file an individual or joint bankruptcy filing. If all the debts are in one spouse’s name, that spouse can file an individual bankruptcy petition by themselves and leave the other spouse out of it. The person filing bankruptcy will eliminate most of their debts and the other spouse will not be affected. Every couple’s situation is different and unique. Call today for a free bankruptcy consultation to find out how bankruptcy can help you or your family! 614-934-1544

Can My Spouse and I File Bankruptcy Together?

YES! If both spouses have debts they are trying to eliminate, they can file a joint bankruptcy petition together.  Filing a joint bankruptcy petition will allow the couple to file one bankruptcy petition and eliminate both spouses’ debts.  This can help save time and money.

Should I File Bankruptcy With or Without My Spouse?

When making the decision to file bankruptcy, it is very important to explore both options between an individual and joint bankruptcy filing.  Both types of bankruptcy petitions have their own unique advantages a couple can take advantage of.  Scheduling a free bankruptcy consultation with an experienced bankruptcy attorney would be a good idea to get free legal advice as to the best course of action needed to be taken in order to reach the optimum results possible.  Call today for a free bankruptcy consultation to find out how bankruptcy can help you or your family! 614-934-1544

What Options Do I Have With My House and Car When Filing Bankruptcy?

When you file a Chapter 7 or Chapter 13 bankruptcy in Ohio, you have options with your house and car.  You can pick and choose what you want to keep and what you want to give up.  Just because you file bankruptcy doesn’t mean that you will lose a car, house, or retirement account.  There are exemptions in Ohio when filing bankruptcy that protect these types of assets.  Filing a bankruptcy can even help you if you are behind in payments and trying to stop a foreclosure or vehicle repossession.  Sometimes it might be better to let things go in a bankruptcy because you are underwater in a loan or the asset needs too much work.  You are able to walk away free and clear or protect assets that desperately are trying to keep.  The choice is yours.  For more information about how bankruptcy can help, call today for a free bankruptcy consultation with an experienced bankruptcy attorney that cares! 614-934-1544

Call Today to Schedule a Free Bankruptcy Consultation!

The friendly Law Office of M. Sean Cydrus cares and can help you craft a plan to rebuild your financial future. We understand the stress of financial worry. We use a personal approach to solving your financial challenges and are here to help you through this difficult time. We pride ourselves on the ability to provide our legal expertise with compassion and understanding. We ensure that your rights are protected and never hesitate to take immediate action when time is of the essence. We can meet with you at our conveniently located offices in Columbus and Chillicothe. Call today for a free consultation! Help is just one phone call away! 614-934-1544

Click here to submit a question or to request a free bankruptcy consultation! What difficult financial situations are you trying to resolve? We will be happy to help! We pride ourselves on the ability to provide our legal expertise with compassion and understanding. Help is just one click or phone call away! 614-934-1544