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Filing Bankruptcy in Ohio When You Are Married

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 have the option to file by yourself or with your spouse. If both spouses have debts that need to be eliminated then there is an option of filing a joint bankruptcy petition.  This will eliminate both spouses’ debts in one case filing.  It is almost like a buy one get one free. If all of the debt is in one person’s name then you can keep the other spouse out of it and file an individual bankruptcy filing.  This means that the other spouse won’t be included in the bankruptcy nor affected.  You can file bankruptcy with your spouse or leave them out of it.  You can also pick and choose what debts you want to eliminate and what debts you want to maintain payments on.  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. To schedule a free bankruptcy consultation with an experienced attorney that cares about you that can help call 614-934-1544.  Help is just one phone call away! 614-934-1544

Can My Spouse and I File Bankruptcy Together?

YES! If both spouses have debts that 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.  For more information or to schedule a free bankruptcy consultation call 614-934-1544.

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 other spouse will not be affected. Every couple’s situation is unique and deserves personal attention.  Call 614-934-1544 to schedule a free consultation with an experienced attorney that cares about you that can help.  Help is just one phone call away! 614-934-1544

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 what the best course of action would be in order to reach the optimum results possible.  The Law Office of M. Sean Cydrus cares about you and never hesitates to act quickly and efficiently when time is of the essence ensuring that your rights are protected.  Help is just one phone call away! 614-934-1544

Debts That You Can Eliminate When Filing 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 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