“We pride ourselves in communication. You call our office; you’re not going to go through five prompts to get a secretary’s voicemail. We try to catch our phones live. Good communication is what makes this business go smoothly and eliminates a lot of angst and drama from not being able to get a hold of your attorney or their office.”
– Scott Needleman, Attorney
“There is no better Attorney anywhere in Central Ohio for Bankruptcy Chapter 7, or Chapter 13.”
Timothy H.
“We did not pass the means test for a Chapter 7, but Scott went
to work and made it happen”
Terry H.
“He started out with the truth that I may not qualify for a
chapter 7, and may be ordered to go chapter 13, but without
seeing much, as soon as I walked into his office he knew I
would qualify for chapter 7.”
Steve S.
“Scott was able to do what the two others said was not
possible.”
Ben C.
At the Law Office of Scott Needleman, Chapter 7 bankruptcy provides a path to eliminate most unsecured debts (personal loans, credit cards, medical bills, etc) and get a fresh start. Individuals must pass the Means Test to qualify for Chapter 7 Bankruptcy relief. The Means Test is a government calculation based on the household’s median gross income. Currently, the family household means test income is below $79,800 for a household of two, $94,913 for a Household of 3, and $113,435 for a household of 4. If your income exceeds these amounts, you can still pass the Means Test.
DYK: I successfully litigated one of the country’s first trials on the Means test.
Chapter 7 can offer relief while often allowing you to keep your house and car. Our streamlined process can involve just one in-person visit, with the rest conducted virtually, and your case can typically be filed within 4 to 5 days of completing your paperwork. For emergency cases – such as stopping car repossession, wage garnishment, or foreclosure sales – we can file within 2 days to provide immediate legal protection through the automatic stay. We pride ourselves on offering personalized service and clear communication throughout your journey to financial recovery.
The Chapter 7 Bankruptcy Advantage:
Why Now Is the Perfect Time to Get Help
When facing overwhelming debt, Chapter 7 bankruptcy offers the fastest path to financial freedom with the highest success rate for debt elimination.
4-5
Days to Complete
Fastest Process
34
Years Experience
Proven Track Record
1
Office Visit Required
Maximum Convenience
Home & Car
Key Legal Insights
These factors combine to make Chapter 7 the most effective debt relief option for qualifying individuals, offering complete debt elimination while preserving essential assets and providing immediate creditor protection.
How Our Pricing Works
We charge flat rate fixed fees. There are no hidden fees or monthly billing. The fee quotes are based on the facts of your case. No two cases are alike. I will quote you a fee after our consultation. Additional costs include a $338 court filing fee and a one-time $42 office expense fee. This flat fee covers all aspects of your case, including unlimited emails and phone calls. The fee quoted is the fee paid.
5-Step Process for Engaging Our Law Firm & Ensuring Success for Chapter 7 Bankruptcy
Free Initial Consultation
Contact our office for a 15-20-minute phone consultation to analyze your case and determine your Chapter 7 eligibility.
Case Initiation
You will receive our analysis via email and the necessary paperwork. When my firm is hired, we will open your electronic and paper case files and begin public record searches.
Document Gathering
Complete the “document dump” by bringing, emailing, or faxing all required documents to our office.
Case Preparation
Our two experienced attorneys work together to prepare your case thoroughly.
Final Steps
- Visit our office to sign the final paperwork and participate in a mock bankruptcy hearing.
- Attend your actual court hearing via Zoom from the comfort of your home or our office
Related Services
Chapter 13 Bankruptcy
If your gross income is above the median income, and you don’t pass the Means Test, Chapter 13 bankruptcy may be your proper course of action. Consulting with Needleman Law will give you clear guidance. Chapter 13 is an option if you are behind on your house or car payments and want to save them.
Debt settlement
We can negotiate with creditors to reduce your overall debt without filing for bankruptcy.
Student loan law
While student loans are typically non-dischargeable in bankruptcy, we can assist with other options for managing this type of debt.
Frequently Asked Questions About Chapter 7 Bankruptcy
Chapter 7 bankruptcy is a liquidation process that allows you to eliminate most unsecured debts. Keep your house, keep your car and get a fresh start.
- Generally, individuals who pass the Means Test
- In most cases, you can keep your house and car in a Chapter 7 bankruptcy, as long as you’re current on payments.
The process typically can be completed within 4 to 5 days.
Student loan debt may be non-dischargeable. The client may still be responsible for paying their student loans even after the bankruptcy process is complete.
You must stop using all active credit cards and borrowing money before filing for bankruptcy to avoid potential issues with dischargeability.