Advantages of Chapter 13 Bankruptcy in Columbus

Filing for Chapter 13 bankruptcy in Columbus provides many advantages over Ohio Chapter 7 Bankruptcy. This does not mean it is necessarily right for you, but it is an option to consider if you are aware of the benefits and are eligible to move forward.


Below are several advantages of Chapter 13:


  1. Keep all of your property. With Chapter 7 bankruptcy, you are sure to lose some of your assets as your trustee sells them off to pay back creditors. With Chapter 13, this is not the way things will unfold.
  2. Time to catch up on missed mortgage payments. Did you know that many people opt for Chapter 13 bankruptcy because they are looking for a way to slow down the foreclosure process and save their home? After you file, an automatic stay will go into place that will protect your home for the time being. During this time, you can get your finances back on track, hopefully catching up on missed payments and subsequently saving your home.
  3. Use a repayment plan to pay off your debt. Unlike Chapter 7 bankruptcy, the Chapter 13 process will drag on for as long as three to five years. The reason for this is simple: during this time you will be making monthly payments to pay back your debt. This repayment plan may sound like a pain, but when everything is said and done you will come out clean.

Chapter 13 bankruptcy in Columbus, Ohio is a repayment plan to pay off part of your debts then discharge the remaining unsecured debts.

Questions to Answer to Decide if You Should File Chapter 13 Bankruptcy

Now that you are aware of the advantages of Chapter 13 bankruptcy, it is time to answer a number of important questions:


  • Is Chapter 13 a better option for you than Chapter 7?
  • Are you comfortable with how long it will take for the entire process to unfold?
  • How are you going to get started?
  • Do you qualify for Chapter 13 bankruptcy?
  • Do you have an attorney who can assist you with the process?

By answering these questions, you will have an even better idea of what Chapter 13 can do for you. Of course, the last one is among the most important, being that professional help can go a long way in making things easier on you.


Over the years, Columbus, Ohio Bankruptcy Attorney Scott R. Needleman has helped many people file for Chapter 13 bankruptcy in Columbus. As a result, these people have regained control of their financial life. Will you be next to contact us?


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Bankruptcy Attorney Reviews From Our Clients


Posted By: Danny                  Worth his weight in gold

The best Attorney i had and does'nt play games and straight forward. If it can be done he will get the job done. He did damage control on another well known inexperienced law firm in columbus (clowns) messed up. Scott you're the best!


Posted By: Stephen                  Very Pleased

Scott Needleman is a wealth of knowledge, his service was accurate and timely. The service provided exceed the price. Thank you.


Posted By: Candice                  Great Lawyer

He made me feel comfortable from the beginning. I'm so glad a friend suggested him to me. He made the process as easy as possible and I can't thank him enough for his help!


Posted By: William                   No non-sense

I hires Scott to do a chapter 13. He was/is current with revised laws, knowledgeable, tough and looks out for his customers. And he was a boxer. YIKES!


Posted By: Winfield                Chapter 7 Bankruptcy Case

Scott did a good job when I had to file for bankruptcy. He helped me eliminate my credit card debt and it only took 4 months. It didn't take the entire 6 months that I was expecting.


Bankruptcy Attorney Scott Needleman
Rated 5/5 based on 9 reviews

East Main St. Bankruptcy Law Office:

5300 E. Main, Suite 109

Columbus, OH 43213

614-575-1188 - Phone

614-575-1186 - Fax


As an added convenience you may request to meet at our Downtown Columbus Bankruptcy Law Office:

175 S. Third Street  Suite 200

Columbus, OH 43215

614-575-1188 - Phone

The Needleman Law Office is a debt relief agency in Columbus, OH aiming to help people file for protection under the U.S. Bankruptcy Code. As a bankruptcy attorney in Columbus, Ohio, our practice is limited to bankruptcy law, foreclosure defense, consumer protection laws and debt collection law. Needleman Law Office will provide a foreclosure or bankruptcy lawyer, or debt collections attorney, for your protection from creditors and debt collectors, serving clients in the following Ohio cities and their surrounding areas: Columbus, Bexley, Pickerington, Blacklick, Gahanna, Reynoldsburg, Westerville, and throughout Franklin, Licking, Fairfield, and Delaware Counties.

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