Jones & Jackson, LLP - Bankruptcy Attorneys

Ohio Chapter 7 Bankruptcy Attorneys

Serving the Counties of:

When you are under the burden of unmanageable debt you need to seek qualified guidance.  Our attorneys fully understand the bankruptcy process.  We can help you determine whether filing a Chapter 7 or Chapter 13 bankruptcy is appropriate.  We understand the impact filing bankruptcy will have on your personal and financial life.  We also understand the hazards and impacts of seeking alternative solutions for your financial matters.  Making informed decisions regarding your financial situation is critical.  Contacting a Chapter 7 bankruptcy attorney is essential.

We have more than 30 years of experience representing individuals in personal bankruptcy matters.  Considering whether to file bankruptcy is a deeply personal and unsettling matter.  We understand your fears and will help you through the process.  Contact our office to schedule a confidential consultation.

Filing Chapter 7 bankruptcy can provide a quick and cost effective remedy for obtaining debt relief.  Sometimes referred to as “liquidation bankruptcy” or “full bankruptcy”, Chapter 7 bankruptcy debtors often retain most of their property through exemptions.  Most unsecured debts, such as credit card debts, personal loans, and medical bills are discharged through bankruptcy.  Other debts like alimony and child support, student loans, and recent taxes are generally not dischargeable and survive bankruptcy.

The Means Test 

Although filing Chapter 7 bankruptcy is appealing, it may not be the correct choice for your situation.  The 2005 bankruptcy code amendments (BAPCPA) require a “means test” to qualify debtors for Chapter 7 bankruptcy.  The means test compares the debtor’s income against the median income of a comparable family in the same geographic region.  Many factors can be considered in your personal evaluation, such as on-going medication and child care expenses, that may help you pass the means test and qualify for Chapter 7 bankruptcy to quickly eliminate much of your debt.

Keeping Your Home

Although Chapter 13 bankruptcy is most often used when the debtor wishes to keep their home, there are situations when a Chapter 7 bankruptcy can be used to discharge unsecured debts and the home can be saved through reaffirmation of the mortgage debt.  Like most debt reduction plans, there are many factors to consider.  Contact us at 1-888-431-0921 to find out if you can file a Chapter 7 bankruptcy and save your home.

Keeping Your Car

The Bankruptcy Code was not written to strip Americans of all their worldy possessions.  The goal of the Code is to provide a fresh start to consumers, who for whatever reason, are met with the burden of unmanageable debt.  It helps to eliminate most of the debts and encourages Americans to regain their productive lives.  The vast majority of our society needs transportation to seek and maintain employment and meet other daily needs.  Often the debtor's automobile is exempted from the Chapter 7 bankruptcy.  In other cases, the outstanding loan on an automobile may be reaffirmed.  Our Ohio Chapter 7 bankruptcy attorneys can help you sort out these issues and develop a plan to reduce your debt and obtain a fresh start. 

Contact us toll free at 1-888-431-0921 or by email to schedule a consultation so we may help you identify the appropriate chapter of the Bankruptcy Code to file under.