Columbus Bankruptcy Attorney
Free Phone or Video Consultation
15 Minutes to Feel Better
30 Years Bankruptcy Attorney Experience On Your Side!
During your no cost bankruptcy & debt relief analysis with The Columbus Bankruptcy Lawyer Scott Needleman, he will utilize his 30 years of bankruptcy attorney experience to analyze your financial situation and create a plan of action to put your financial future back on track.
The Best Bankruptcy Attorney in Columbus
People frequently have a number of misconceptions about the bankruptcy process and what a bankruptcy attorney in Columbus, Ohio does. One of the biggest misconceptions is that filing for bankruptcy protection means you will lose your home or other assets that you have worked a lifetime to acquire. In most cases, this is simply not the case. By understanding the bankruptcy process better you can make an informed decision whether filing for Columbus Ohio bankruptcy is the right choice for you and your family.
Bankruptcy Court for the Southern District of Ohio
The Columbus Bankruptcy Lawyer coverage area – United States Bankruptcy Court for the Southern District of Ohio
Free Virtual Consultations
As a Columbus, Ohio bankruptcy attorney, I am licensed in The U.S. Bankruptcy Court Southern District of Ohio. I serve as a bankruptcy attorney in Columbus, Ohio as well as accepting clients in Athens, Belmont, Coshocton, Delaware, Fairfield, Fayette, Franklin, Gallia, Guernsey, Harrison, Hocking, Jackson, Jefferson, Knox, Licking, Logan, Madison, Meigs, Monroe, Morgan, Morrow, Muskingum, Noble, Perry, Pickaway, Pike, Ross, Union, Vinton, & Washington Counties.
By offering virtual consultations, my clients can learn their debt relief solutions in about 15 minutes during a FREE virtual consultation or phone call. Best of of, you will speak directly to a bankruptcy attorney, not a paralegal! You don’t even have to leave your home, and 15 minutes could change your life!
Let The Needleman Law Office Put an End to Creditor Harassment
The precise path your bankruptcy will take will depend on the bankruptcy chapter you file under. A chapter 7 bankruptcy in Ohio is the easiest and fastest; however, not all debtors qualify to file a chapter 7 bankruptcy. For all debtors, the process begins when you file a petition for bankruptcy in the appropriate court. At that point, the court will issue an “automatic stay” order. This order forbids creditors from any further attempts to collect on a debt until further notice from the court. For a debtor this offers immediate relief from the mountain of debt that was dragging you down each week. If you do receive any collection calls, you simply refer them Scott Needleman, your bankruptcy attorney in Columbus, Ohio.
All of your creditors will be notified of your bankruptcy filing and provided an opportunity to question you regarding your debts, income, and assets at the meeting of creditors, also known as a “341 hearing”, which takes place at the United States Bankruptcy Court, Southern District of Ohio. For most debtors this meeting is a mere formality. After the 341 hearing, you will develop a repayment plan if filing chapter 13 bankruptcy or chapters other than chapter 7. At the end of the repayment period your bankruptcy will be discharged. If you are filing under chapter 7 your bankruptcy will be discharged approximately 60 days after the 341 hearing. All eligible debts remaining at the time of discharge will be forgiven, meaning you are no longer legally obligated to repay the debt.
Assets and Credit in the Bankruptcy Process
The two most common concerns debtors have when contemplating bankruptcy revolve around assets and credit. While each case is unique, the truth is that state and federal exemptions allow a typical debtor to retain the majority of his or her assets, including a house and vehicle in most cases, when filing bankruptcy. Moreover, while your credit rating may be adversely affected when you initially file bankruptcy, a debtor’s credit rating frequently goes up immediately after a bankruptcy is discharged because your debt to income ratio decreases significantly, making you a more attractive credit risk for potential lenders.
Contact the Leading Columbus Bankruptcy Attorney
The Needleman Law Office is home of Columbus, Ohio Bankruptcy Attorney Scott Needleman. At our bankruptcy office we work with individuals for filing chapter 7 bankruptcy, chapter 13 bankruptcy, and small business owners facing financial hardship. Attorney Needleman is committed to helping you resolve your financial crisis. Contact the office today by calling 614-575-1188 so that we can discuss your legal options and start you on the path to a brighter, debt-free future.