Best Columbus Bankruptcy Attorney Near Me - FAQ
Understanding the importance of searching for the best bankruptcy attorney near me, I will say that there are several good bankruptcy lawyers in Columbus, Ohio. However, I certainly strive and it is my goal to be the best bankruptcy attorney in Columbus and the entire Southern District of Ohio, which I serve. See for yourself by reading my Google Reviews at the bottom of the bankruptcy FAQ’s on this page.
I do this by treating each and every client with the dignity and respect. I utilize my 30 years of bankruptcy and debt relief experience to guide them through their financial troubles, and into a financially secure future.
My tag line has always been “Work with me, not a paralegal” and in these trying and changing times this still holds true. I still do work directly with my clients throughout the entire process, rather than pawning them off on a paralegal. When you call for your bankruptcy attorney, you get me, The Columbus Bankruptcy Lawyer, Scott Needleman.
For your safety and convenience my bankruptcy office is now offering phone meetings. You can now learn your bankruptcy filing options from home. Best of all, your free bankruptcy consultation usually only takes about 15 minutes. I will teach you the differences between chapter 7 bankruptcy and chapter 13 bankruptcy and answer your other bankruptcy questions. I will then help you decide which choice is best for you, if either. Sometimes bankruptcy is not in your best interests and we will explore other debt relief options .
Your free bankruptcy consultation usually only takes about 15 minutes. During you consultation The Columbus Bankruptcy Lawyer, Scott Needleman, will learn your situation and help you to decide if filing for chapter 13 bankruptcy, chapter 7 bankruptcy, or another debt relief solution all together may be better for you.
I am licensed in the Southern District of Ohio United States Bankruptcy Court, which allows me to provide bankruptcy attorney services to much of Central Ohio as well as South Eastern Ohio. The counties served for bankruptcy filings are:
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
This is one of the most frequently asked bankruptcy questions. The best bankruptcy type for you to file really depends on your own specific situation. During your free bankruptcy consultation, you will discuss details of your financial situation with a bankruptcy attorney, not a paralegal. Your bankruptcy attorney can usually make a recommendation as to whether Chapter 7 Bankruptcy, Chapter 13 Bankruptcy, or a different debt relief alternative may be best for you.
Your free bankruptcy consultation can be done over the phone or a video chat, and it only takes about 15 minutes for you to learn the bankruptcy options that best fit your situation.
Even before your bankruptcy is filed, once I am hired, you can give my contact information to the collectors and they typically will stop calling you and call me instead. This will give you some “peace” while we are preparing your case.
Once you file bankruptcy, the Automatic Stay is initiated preventing collection activities. If any creditors continue to call, you should refer them to the office of Scott Needleman, The Columbus Bankruptcy Lawyer.
In most cases you will not lose your home in a Chapter 7 Bankruptcy. There are liberal Ohio bankruptcy exemption laws that allow a married couple to protect over $266,000 worth of equity in your home.
Bankruptcy is a last resort to deal with your financial crisis. Many people want the creditor harassment to stop. If you are behind on your bills and having problems making ends meet, bankruptcy can improve your situation. Both Chapter 7 and Chapter 13 bankruptcy can help you take back control of your life. A bankruptcy filing will stop lawsuits and end creditor harassment. By filing it will give you a fresh start.
Other reasons to file bankruptcy include stopping wage garnishments or delaying foreclosure on a house. You can discharge most debts including old back taxes. Student loans, current taxes, and domestic support obligations are usually not dischargeable.
The Needleman Law Office 1,2,3 process.
Number 1 is the initial analysis. After our initial meeting I forward you a packet with a checklist, worksheet, and instructions for required credit counseling.
Number 2, return required documents and completed paperwork to my office for review and case typing.
Number 3, review your finished bankruptcy petition, sign, and we file.
After your case is filed we attend a court hearing. The hearing is named a 341 Hearing or meeting of creditors. A bankruptcy trustee appointed by the government will hear your case. They determine if there are assets to recover. Most chapter 7 are no asset cases.
Student loans are considered non dischargeable unless you can prove “undue hardship”
This is very difficult to prove. As The Columbus Bankruptcy Lawyer, I work with numerous clients who are struggling with student loan debt. Therfore I have completed added training to become a student loan lawyer, allowing me to offer creative solutions to deal with your student loans outside of bankruptcy.
There are many income based repayment options available for Federal Student loans by the Department of Education
Most people are scared, petrified to file bankruptcy, however, these fears are unfounded once you learn the benefits. Most of my clients wait until their financial situation has spiraled out of control before contacting my bankruptcy office for information.
The reality is once you file bankruptcy, you can re establish your credit. The sooner you file the faster you will be “bankable” again. In most cases, you will keep your car and house. The “fresh start” is very real.