Chapter 7 Bankruptcy Attorney in Columbus

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15 Minutes to Feel Better

30 Years Chapter 7 Bankruptcy Experience On Your Side

During your no cost chapter 7 debt relief analysis with The Columbus Bankruptcy Lawyer Scott Needleman, he will utilize his 30 years of chapter 7 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

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Filing for Chapter 7 Bankruptcy in Columbus, Ohio

If you are living from paycheck to paycheck and falling farther and farther behind on your bills it may be time to consider speaking to a Columbus, Ohio Chapter 7 bankruptcy attorney. Like many people, you may be reluctant to consider filing bankruptcy as an option; however, once you understand more about the bankruptcy process and the benefits of filing for bankruptcy protection, you may find Ch7 bankruptcy to be the right choice for you and your family. 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 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.

Columbus Chapter 7 Bankruptcy Attorney Scott Needleman

Chapter 7 Bankruptcy Attorney

How Can Chapter 7 Bankruptcy in Columbus Ohio Help Me?

For the average debtor who is getting by on a moderate to low income an unexpected emergency can cause a financial crisis. Whether that emergency is an illness, accident, layoff, or divorce, it can result in your already tight budget spiraling out of control. Before you know it, creditors are garnishing your paycheck and/or threatening to foreclose on your home. Filing chapter 7 bankruptcy in Columbus may be the solution.

What Is Chapter 7 Bankruptcy in Columbus, Ohio?

To file a chapter seven bankruptcy in Columbus you must pass the “means test” which compares your income to that of other similar households in Ohio. You must be at or below the median income to file a chapter 7 bankruptcy in Ohio, however even if you don’t qualify to file chapter 7 bankruptcy, we can help you seek to file chapter 13 bankruptcy. Chapter 7 bankruptcy is often referred to as a “Liquidation” or “Fresh Start” bankruptcy; however, the name is somewhat misleading. While it is true that a debtor’s non-exempt assets can be sold to pay creditors in a chapter 7 bankruptcy, the vast majority of debtors who file under chapter 7 do not have any non-exempt assets available to be sold. The reason for this is that the Ohio bankruptcy exemptions allow a debtor to exempt a significant amount of assets when filing a chapter 7 bankruptcy. As a result, most debtors are able to keep their home, vehicle, and personal property when they file a chapter 7 bankruptcy in Columbus, Ohio. When your chapter 7 attorney files your bankruptcy petition, the Bankruptcy Court will issue an automatic stay order to all creditors forbidding them from any further attempts to collect on a debt. In most chapter 7 bankruptcies the debtor will never step foot in an actual courtroom, though you will need to appear for a less formal meeting of creditors. A typical Ch 7 bankruptcy will be discharged approximately four to five months after filing the petition. At the end of the case the majority of your debts will be discharged, meaning you are no longer legally responsible for the debt. Columbus Chapter 7 bankruptcy lawyer 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.