Bankruptcy Services in Columbus, OH
Sundberg Law Offices LLC has practiced bankruptcy law in Columbus and Clintonville, OH for more than two decades. Our firm specializes in Chapter 7 and Chapter 13 bankruptcy law, helping clients understand which option is right for them and aggressively pursuing it on their behalf.
We know how overwhelming your debt burdens can be, and we work to be sympathetic and understanding of your situation. If you’re sick of dealing with calls from creditors, constant past-due reminders, account freezes and the prospect of unsurmountable debt hanging over your head, give our bankruptcy services a call to schedule a free consultation.
For individuals who have come down on hard times, saddled with more debt than they could hope to ever pay back, Chapter 7 is the best option. More than 95% of Chapter 7 filers have their debt wiped out, giving them a chance to start fresh. To qualify, you must pass a means test and meet certain criteria which make it difficult for you to pay back any amounts owed to your creditors.
While most of your assets will be liquidated to pay back portions of your debt, there are exemptions that can exempt some of your belongings from repossession. It’s important to consult with an attorney before choosing this option.
Chapter 13 does not involve any liquidation, rather a restructuring and consolidation of outstanding debts into a payment plan. Chapter 13 is a legal process that takes into consideration your means to pay back debts and puts you in a position to begin that process unhampered by creditors.
For individuals who stick to their Chapter 13 debt repayment plans, there are opportunities to discharge unsecured debt at a time specified within the terms of your arrangement. Again, an attorney is an important partner in navigating these terms and representing you throughout the process.
Call an Experienced Bankruptcy Service
Not sure what you should file for? Unsure of how to start the process? Sundberg Law Offices LLC helps clients throughout Columbus, OH assess their financial position and pursue either liquidation or reorganization bankruptcy. Contact us today by calling 614-227-9410. and schedule a free consultation with our bankruptcy services. We’ll sit down at the table with you to discuss your situation and your options.