Columbus Chapter 13 Bankruptcy Attorney

Free Phone or Video Consultation

15 Minutes to Feel Better

30 Years Chapter 13 Bankruptcy Experience On Your Side

During your no cost chapter 13 debt relief analysis with The Columbus Bankruptcy Lawyer Scott Needleman, he will utilize his 30 years of chapter 13 bankruptcy experience to analyze your financial situation and create a plan of action to put your financial future back on track. 

Scott Needleman Bankruptcy Attorney

Our Reviews

Mark Stratton
Mark Stratton
July 31, 2022.
Scott Needlrman and his firm was very professional and also personable in answering my questions and also helping me put together a plan to handle my legal matters. I’m very happy to recommend their firm to anyone who is experiencing legal matters. Very knowledgeable and a top notch law firm! Thanks Scott to you and your firm!
Gary Nutter
Gary Nutter
June 10, 2022.
Scott Needleman and his team are experts at bankruptcy. They will peel all of the layers of your financial situation back to insure you are prepared for filing. My final hearing included special guest visitors from the IRS! Scott had me prepared for anything, so it was easy to answer their questions. In my experience, honesty, clarity and expertise are difficult to find among attorneys, but I was fortunate to choose Scott and his team to represent my family. Thanks Scott! You helped my family through a tough period in our lives!
Omar Walters
Omar Walters
March 1, 2022.
Faced with a Private Student Loan Law Suit and Scott Helped. All the other firms that I had reached out to were guiding me towards filing Bankruptcy, Scott didn't. He laid out, in no uncertain terms what my position was and my most effective/sensible options were. He treated my cased in a way that made me feel as though he cared. He was patient and confident, but most importantly, a keen listener. Needleman Law office took care of business for me. They're affordable and I am please. Definitely highly recommended.
Todd Lamb
Todd Lamb
January 17, 2022.
Scott did a great job representing us and getting the job done. A+++
Lena Light
Lena Light
December 30, 2021.
Scott is great and I really appreciate his help with everything. Highly recommend his services. I would not trust anyone else with my case. Him and his staff were always available and very responsive, answered all my questions and made the process very painless and stress free.
Timothy Hicks
Timothy Hicks
November 30, 2021.
I have known Scott Needleman for many years, there is no better Attorney anywhere in Central Ohio for Bankruptcy Chapter 7, or Chapter 13. Friendly and very professional! Five Star!
Stafford k. Lipscomb II
Stafford k. Lipscomb II
October 19, 2021.
You would not believe the value in one conversation with this company. Mr. Needleman represents good business and provided me with a straight answer and course of action. I am so blessed!
SAMANTHA ALLEN
SAMANTHA ALLEN
September 21, 2021.
More than impressed with Scott and his team. They have been helpful and professional the whole time. They lead me through the process even the court hearing so I would be prepared. I cannot say enough about this office and the service I received.
Jennifer Del Pilar
Jennifer Del Pilar
July 12, 2021.
Scott Needleman is fantastic, very caring and professional. He helped me alot back in 2017 and now in 2021 with matters associated to that 2017 situation. He was quick to follow up on my case and I genuinely felt heard and like I had someone in my corner through tough times.

Chapter 13 Bankruptcy Attorney in Columbus

If you are struggling to keep your head above water financially, filing for Chapter 7 or Chapter 13 bankruptcy may be the best option. You may be reluctant to consider speaking to a Columbus bankruptcy attorney because you are concerned you will lose your home or because you are afraid you will never qualify for credit again; however, once you understand a bit more about ch13 bankruptcy it should alleviate these concerns.

At The Needleman Law Office, we understand how financial problems can negatively impact you and your family which is why we are committed to helping you find a solution. Contact my Columbus chapter 13 bankruptcy law 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.

What Is Chapter 13 Bankruptcy?

An individual debtor may file for bankruptcy protection under Chapter 7, 11, 12, or 13 of the U.S. Bankruptcy Code. Chapter 11 is commonly used by the owner of a small business while chapter 12 is reserved for family farmers and fishermen. Therefore, most individuals file under Chapter 7 or Chapter 13 bankruptcy. To file under Chapter 7 you must pass the “means test” which compares your income with the income of other similar households in Ohio. If you do not qualify to file a chapter 7 bankruptcy, or you have valuable non-exempt assets that you do not wish to lose, you will need to file bankruptcy under Chapter 13.

Filing Chapter 13 Bankruptcy in Columbus, Ohio

Chapter 13 is frequently referred to as a “wage earners” bankruptcy because it is typically used by debtors who earn a moderate to above average income. When you file a chapter 13 bankruptcy you and your attorney will be required to develop a repayment plan that will allow you to repay the majority of your debts over an extended period of time, typically three to five years. A percentage of your available income each month will be set aside to pay your debts. You will send the agreed-upon amount to the bankruptcy trustee each month who will then distribute the funds according to the agreed-upon schedule.

Chapter 13 Bankruptcy Repayment Plan

The repayment plan will give preference to priority and secured debts which may include debts such as certain federal and state tax obligations or a mortgage loan that you took out to finance your home purchase. The funds will be distributed based on priority and then the amount of the debt, meaning a priority creditor to whom you owe a large debt will likely receive a significant percentage of the available funds each month. You, however, no longer need to worry about how to distribute your available funds each month. Upon the successful completion of your repayment plan most remaining unsecured debts will be discharged, or eliminated.

Columbus Chapter 13 Bankruptcy Attorney

Columbus, Ohio Chapter 13 Bankruptcy Attorney Scott R. Needleman, of The Needleman Law Office, works with hard working individuals who, for a variety of reasons, are 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.