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Filing Bankruptcy in Columbus Ohio

Filing bankruptcy in Columbus, Ohio doesn’t have to be painful.  An experienced Columbus Ohio Bankruptcy Attorney can make filing bankruptcy rather easy.  Filing bankruptcy in Ohio is very similar to buying a house.  You turn in documents such as paystubs and tax returns and then you will have a final meeting where you sign a 100 page document in 10 different places.  In all reality, all you have to do is turn is some paperwork and the attorney takes care of the rest behind the scenes and ensures that your rights are protect.  The Law Office of M. Sean Cydrus doesn’t just file your bankruptcy.  The Law Office of M. Sean Cydrus helps you get your paperwork together, files the bankruptcy for you, represents you in court, and at the end gives you some tips and pointers as to how to increase your credit score after bankruptcy.  The Law Office of M. Sean Cydrus is here for you every step along the way.  Call 614-934-1544 to schedule a free bankruptcy consultation with an experienced attorney that cares about you that can help.  Help is just one phone call away! 614-934-1544

Documents You Need to File Bankruptcy in Ohio

The following is a list of documents required by the Federal government in order to file a Chapter 7 or Chapter 13 bankruptcy in Ohio.  An experienced Columbus Ohio Bankruptcy Attorney will be able to assist you with gathering the required documentation and will be able to file an error-free bankruptcy petition on your behalf.

  • Seven months of pay stubs or if you are self-employed a profit & loss for the last 12 Months.
  • Statements from other sources of income such as:  social security, child support, and pension payments.
  • Titles/memorandum of titles, leases for all cars, boats, motorcycles and mobile homes. Also proof of insurance for all vehicles and copies of finance agreements on vehicles you still owe money on.
  • Federal and State Tax Returns and W-2s for the last two years.
  • Recorded Deeds & Mortgages for each mortgage (1st, 2nd & 3rd if applicable) and for each piece of real estate that is in your name.
  • Recent mortgage statement and copy of homeowner’s insurance policy.
  • Whole life insurance policies. This should include evidence of cash surrender value.
  • Documentation concerning IRA, 401k, other retirement plans, mutual funds, stocks, CDs, and all other investment accounts.
  • Copies of any recent lawsuits, garnishments, or repossession information.
  • Certificate of completion from an approved Credit Counseling agency.

Where Do I Go to Court After I File My Bankruptcy in Ohio?

There are several court locations in Ohio.  If you live in the following counties your court hearing will be held in the Columbus Bankruptcy Court in the Southern District of Ohio:

  • Athens
  • Delaware
  • Fairfield
  • Fayette
  • Franklin
  • Gallia
  • Hocking
  • Jackson
  • Knox
  • Licking
  • Logan
  • Madison
  • Meigs
  • Morrow
  • Pickaway
  • Pike
  • Ross
  • Union

Columbus Bankruptcy Court

170 N. High St.

Columbus, Ohio 43215

Phone: 614-469-6638

Website: https://www.ohsb.uscourts.gov/

 

Debts Eliminated When Filing a Chapter 7 or Chapter 13 Bankruptcy in Ohio

The following is a list of debts that CAN BE ELIMINATED when filing a Chapter 7 or Chapter 13 bankruptcy in Ohio:

  • Credit Cards
  • Medical Bills
  • Personal Loans
  • Cash Advances or Payday Loans
  • Personal Loans
  • Overdraft Checking Accounts
  • Utility Bills
  • Bills Sent to Collection Companies
  • Debt Owed From a Foreclosed Home
  • Second Mortgage or Home Equity Line of Credit
  • Debt Owed From Repossessed Vehicles
  • Evictions
  • Attorney Fees
  • Reinstatement Fees
  • Some Tax Debt

Benefits Received From Filing a Chapter 7 or Chapter 13 Bankruptcy in Ohio

The following is a list of benefits received from filing a Chapter 7 or Chapter 13 Bankruptcy in Ohio:

  • 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
  • Lower Interest Rate for Vehicle Loan
  • Lower Total Balance on Vehicle Loan to Fair Market Value
  • Stop a Utility Disconnection
  • Get Driver’s License Back From Suspension
  • Restore and Rebuild Credit
  • Help Get Financed For a Vehicle
  • Help Get Approved for an Apartment
  • Stall an Eviction

What to Expect From a Free Consultation with The Law Office of M. Sean Cydrus

What you can expect from a free bankruptcy consultation with The Law Office of M. Sean Cydrus is compassion, understanding, and solid legal advice.  Scheduling a free bankruptcy consultation is a great idea to see what your options are rather it be bankruptcy or other avenues. At the consultation you will find out if bankruptcy is right for you and also see how your unique situation relates to both Chapter 7 and Chapter 13 bankruptcies.  Both types of bankruptcy have their own added benefits.  There will be an evaluation or full synopsis of your situation to determine your eligibility to file bankruptcy and a determination as to what course of action would be in your best interest in order to reach the optimum results possible.

The Law Office of M. Sean Cydrus cares about you and never hesitates to take immediate action when time is of the essence.  If you need help filing bankruptcy or just need some guidance as to how to better your financial situation we invite you to contact us for a free consultation. 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.  Call 614-934-1544 to schedule a free bankruptcy consultation with an experienced bankruptcy attorney that cares about you that can help. Help is just one phone call away! 614-934-1544

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

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Receiving a Complaint in Foreclosure from the Court of Common Pleas

If you have received a Complaint in Foreclosure from the Court of Common Pleas it is a matter of time before the bank tries to auction the property off at a sheriff sale.  There are many options that may be available to you, but action must be taken immediately before it is too late.  There are certain deadlines that must be met and notices should be responded to appropriately.  Responding to a foreclosure notice can be difficult to resolve on your own and will usually require the expertise of an experienced attorney.  An experienced bankruptcy attorney will be able to ensure that your rights are protected and that you reach the optimum results possible.  An experienced bankruptcy attorney will be able to explain to you every legal option available to you under the applicable law rather it be bankruptcy or other options that may be beneficial.  For more information as to how to respond to a foreclosure notice call 614-934-1544 to schedule a free consultation with an experienced bankruptcy attorney that cares about you that can help.  Help is just one phone call away! 614-934-1544

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

You have probably 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 a 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 with a foreclosure or sheriff sale. 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. The Law Office of M. Sean Cydrus will ensure that your rights are protect and won’t hesitate to take immediate legal action when time is of the essence.  Help is just one phone call away! 614-934-1544

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

Many times calls to banks go unreturned and loan modifications are often denied.  If the bank is not willing to work with you, bankruptcy may be the best option for you.  When you file bankruptcy, you receive protection under the Federal government where the bank has to work with you.  The bank has no choice.  Bankruptcy can be used as a legal solution to get current on your mortgage payments if you are actively trying to save your house from foreclosure.  Bankruptcy can also be used if you want to walk away free and clear eliminating the debt owed from a foreclosed home along with most other debts.  When you file bankruptcy, you have options.  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.  Call today to schedule a free consultation with an experienced bankruptcy attorney that cares about you that can help.  Help is just one phone call away! 614-934-1544

What to Expect From a Free Consultation with The Law Office of M. Sean Cydrus

What you can expect from a free bankruptcy consultation with The Law Office of M. Sean Cydrus is compassion, understanding, and solid legal advice.  Scheduling a free bankruptcy consultation is a great way to see what your options are rather it be bankruptcy or other avenues that may be beneficial. At the consultation you will find out if bankruptcy is right for you and also see how your unique situation relates to both Chapter 7 and Chapter 13 bankruptcies.  Both types of bankruptcy have their own added benefits.  There will be an evaluation or full synopsis of your situation to determine your eligibility to file bankruptcy and a determination as to what course of action would be in your best interest in order to reach the optimum results possible.  The Law Office of M. Sean Cydrus cares about you and never hesitates to take immediate action when time is of the essence.  If you need help filing bankruptcy or just need some guidance as to how to better your financial situation we invite you to contact us for a free consultation. 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.  Call 614-934-1544 to schedule a free bankruptcy consultation with an experienced bankruptcy attorney that cares about you that can help. Help is just one phone call away! 614-934-1544

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

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Prevent Tax Refund Garnishment When Filing Bankruptcy in Ohio

You may be one of many Americans living in Ohio that depend on your tax refund each year to get by.  Having your tax refund levied by the IRS or other creditors can be financially devastating.  Filing bankruptcy in Ohio can help you protect your tax return and can prevent your tax return from being taken from you.  Once you file bankruptcy there is an “automatic stay” set in place which will stop or cease all creditor collection efforts against you.  Filing bankruptcy will give you protection under the Federal government and will prevent creditors from garnishing wages, tax returns, or bank accounts.  For more information as to how bankruptcy can help your financial situation call 614-934-1544 to schedule a free consultation with an experienced bankruptcy attorney that cares about you that can help.  The Law Office of M. Sean Cydrus understands the stress of financial worry and will never hesitate to take immediate action when time is of the essence ensuring that your rights are protected.  Help is just one phone call away! 614-934-1544

Additional Benefits That Come Along With Filing a Chapter 7 or Chapter 13 Bankruptcy in Ohio 

The following is a list of benefits received from filing a Chapter 7 or Chapter 13 Bankruptcy in Ohio:

  • 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
  • Lower Interest Rate for Vehicle Loan
  • Lower Total Balance on Vehicle Loan to Fair Market Value
  • Stop a Utility Disconnection
  • Get Driver’s License Back From Suspension
  • Restore and Rebuild Credit
  • Help Get Financed For a Vehicle
  • Help Get Approved for an Apartment
  • Stall an Eviction

Debts Eliminated When Filing a Chapter 7 or Chapter 13 Bankruptcy in Ohio

The following is a list of debts that CAN BE ELIMINATED when filing a Chapter 7 or Chapter 13 bankruptcy in Ohio:

  • Credit Cards
  • Medical Bills
  • Personal Loans
  • Cash Advances or Payday Loans
  • Personal Loans
  • Overdraft Checking Accounts
  • Utility Bills
  • Bills Sent to Collection Companies
  • Debt Owed From a Foreclosed Home
  • Second Mortgage or Home Equity Line of Credit
  • Debt Owed From Repossessed Vehicles
  • Evictions
  • Attorney Fees
  • Reinstatement Fees
  • Some Tax Debt

What to Expect From a Free Consultation with The Law Office of M. Sean Cydrus

What you can expect from a free bankruptcy consultation with The Law Office of M. Sean Cydrus is compassion, understanding, and solid legal advice.  Scheduling a free bankruptcy consultation is a great idea to see what your options are rather it be bankruptcy or other avenues. At the consultation you will find out if bankruptcy is right for you and also see how your unique situation relates to both Chapter 7 and Chapter 13 bankruptcies.  Both types of bankruptcy have their own added benefits.  There will be an evaluation or full synopsis of your situation to determine your eligibility to file bankruptcy and a determination as to what course of action would be in your best interest in order to reach the optimum results possible.  The Law Office of M. Sean Cydrus cares about you and never hesitates to take immediate action when time is of the essence.  If you need help filing bankruptcy or just need some guidance as to how to better your financial situation we invite you to contact us for a free consultation. 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.  Call 614-934-1544 to schedule a free bankruptcy consultation with an experienced bankruptcy attorney that cares about you that can help. Help is just one phone call away! 614-934-1544

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