Columbus Bankruptcy Lawyers

Although the bankruptcy laws changed a few years ago, most people still qualify to file for bankruptcy and obtain its benefits, such as discharge of unsecured debt.

Chapter 7 is "fresh start" bankruptcy. If you qualify, you can discharge debt almost immediately. Creditors must stop bothering you immediately after you file. You may not be able to keep your home, and your credit rating will be affected for 10 years. But no one should feel embarrassed about needing relief, and a new start may help you.

Chapter 13 is a good option for those who have too much income to file under Chapter 7. You will be required to make regular payments for three to five years. But if the payment plan you work out provides enough to make mortgage payments, you can keep your home.

Consumers will be required to attend credit counseling. This requirement in the law is intended to ensure that you find a way to live within your means and hopefully remain financially stable in the future. We can refer you to approved credit counseling resources.

There are options other than bankruptcy, depending on your situation. If your lender is attempting to foreclose on your home mortgage, there may be legal defenses to delay or halt the process.

Finally, beware of agencies pretending to be attorneys or offering legal advice. Filing for bankruptcy yourself, or without proper legal advice can ruin your chances of attaining your goals and protecting your best interests.

Contact Our Office

At Hutchinson & Webster, LLC, we are available around the clock and our personal cell phone numbers are provided to clients. Whenever an issue or question arises, we are quick to help you find the answers you need.

To schedule a free initial consultation with a knowledgeable Columbus and Hilliard Ohio area lawyer, please call us at 614-678-7420, toll free at 866-907-4942, or contact our office online today.

Hutchinson & Webster, LLC
1041 Dublin Road, Suite 103
Columbus, OH 43215
Phone: 614-678-7420
Toll Free: 866-907-4942
Fax: 614-488-3715
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