Ohio and Northern Kentucky Chapter 7 and 13 Bankruptcy Attorney
These days more and more people are facing mounting debt. Some have suffered an injury that requires expensive medical treatment. Others have lost jobs or are experiencing business difficulties. Perhaps your debt troubles began with helping a relative or friend by cosigning a loan. Whatever your particular circumstance, you are not alone in your struggle against debt.
At the law office of Patrick J. Conway LLC, in Cincinnati, I work exclusively in bankruptcy law. As a Cincinnati and Northern Kentucky bankruptcy lawyer, I help individuals and small businesses get the debt relief they need through Chapter 7 bankruptcy or Chapter 13 bankruptcy. Contact my law office in Cincinnati or Northern Kentucky to discuss your bankruptcy options.
Serving Your Bankruptcy Needs in Ohio and Kentucky
During my 29 years of bankruptcy law practice, I have handled a wide range of bankruptcy cases, including:
- Chapter 7 bankruptcy — This option eliminates unsecured debt while protecting assets up to a certain value. Chapter 7 is designed for people with lower incomes.
- Chapter 13 bankruptcy — This plan is ideal for people who have higher incomes or assets with values that can't be protected in Chapter 7. Chapter 13 allows you to stop foreclosure while giving you up to five years to catch up on missed mortgage payments.
- Small business bankruptcy — This can be used for closing your business or reorganizing your debt.
Are you considering debt consolidation because you think this is a better alternative than bankruptcy? Before you take that step, please take a moment to learn more about the truth behind many debt consolidation schemes. Often I find that clients have a lot of misconceptions about bankruptcy and when they understand the truth about these two options, they ultimately choose the rock-solid protection that bankruptcy gives them from creditors.
Learn more about how bankruptcy can help you deal with the problems associated with:
- Medical debt — The high cost of medical treatment can cause people to accumulate significant debt. However, it is possible to discharge or repay this debt in bankruptcy.
- Divorce — If you are considering divorce, talk with a lawyer about whether you should declare bankruptcy before you file, or after.
- Foreclosure — Bankruptcy can stop foreclosure proceedings, allowing you time to catch up on missed payments.
- Repossession — Bankruptcy can help prevent repossession of a car or other property. However, you must act quickly to obtain a lawyer. See what Creditors Can and Can't Take.
- Garnishment — Federal law lets creditors garnish up to 25 percent of your paycheck and to seize your bank account and tax refund. Filing bankruptcy stops garnishments immediately.
- Job loss — Without your income helping you stay afloat, debts can accumulate quickly. Credit card default interest rates can jump to 30% or higher. With a bankruptcy filing, I can help you regain your financial footing.
- A bad credit score — Many people are surprised to find out that bankruptcy can help improve credit scores over time.
How to Choose a Bankruptcy Attorney
If you are looking for a bankruptcy attorney, you have many choices. Click on the link above to see what you should consider when choosing the right lawyer for you.
Helpful Topics and Resources
- Bankruptcy Timeline
- Answers to Common Bankruptcy Questions
- Your Legal Rights During and After Bankruptcy
- What Bankruptcy Can and Cannot Do
- Bankruptcy Blog
Free Initial Consultation With a Skilled Lawyer
If you are facing overwhelming debt, you don't have time to waste. It is important to speak with a Cincinnati bankruptcy attorney immediately. I am an Ohio and Northern Kentucky Chapter 7 and 13 bankruptcy attorney. Contact me online or call my office at 513-924-4517 to discuss whether bankruptcy is right for you.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
