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(614) 523-3106 or (877) 505-9455
Sheppard Law Offices
FREE Debt Relief Consultation Call (614) 523-3106 or (877) 505-9455
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Debt Relief Alternatives
TALK TO A CHAPTER 7 BANKRUPTCY ATTORNEY TODAY (614) 523-3106
Sometimes called “fresh start” or “liquidation”, a Chapter 7 bankruptcy will discharge all (100%) of a debtor’s unsecured debt. Chapter 7 bankruptcy is available to those who qualify under the Means Test, as outlined in U.S. Bankruptcy code. In addition to the Means Test, there is an evaluation of your assets and equity, as well as a requirement to complete Debtor Education. Many people wonder what will be the cost of bankruptcy. It typically costs between $1,200 and $1,500 to file for Chapter 7 bankruptcy. This includes filing fees and attorney fees. The time-line for completing a Chapter 7 bankruptcy is about four to five months, typically.
TALK TO A CHAPTER 13 BANKRUPTCY ATTORNEY TODAY (614) 523-3106
For individuals who do not meet the qualifications for Chapter 7 bankruptcy, another option for debt relief is a structured debt repayment plan under Chapter 13 bankruptcy protection. This may be the best option for clients who have too much income to pass the Chapter 7 means test, or for those who wish to keep assets that would be liquidated under Chapter 7 bankruptcy. For example, if a debtor wishes to keep his or her primary residence, they would have to be current on the mortgage as one of the qualifications of the Chapter 7 filing. If the debtor is not current on his or her mortgage, a Chapter 13 bankruptcy might be a better choice. Due to many of the home mortgage loan modifications in recent years, this has sometimes been a deciding factor in whether a client’s best option was a Chapter 7 or Chapter 13 bankruptcy. Columbus Ohio bankruptcy lawyer Ken Sheppard can help inform you about your options for filing for bankruptcy.
TALK TO A BANKRUPTCY AND DEBT RELIEF ATTORNEY TODAY (614) 523-3106
Debt Settlement is a method of handling debt, specifically unsecured debt, by negotiating a settlement arrangement with each creditor. With regards to secured debt such as a mortgage or vehicle loan, negotiating a loan modification may be a viable method to prevent home foreclosure or vehicle repossession.
Debt Consolidation is a method by which multiple debts are consolidated into one loan. By moving higher interest rate accounts to the consolidation loan you can often reduce the monthly payments, while setting a schedule to pay the debts in full over a set period.
Consumer Bankruptcy comes in two primary forms, chapter 7 and chapter 13. Under chapter 7 bankruptcy in Ohio, debts are discharged completely and the filer gets a "fresh start". Under chapter 13 bankruptcy in Ohio, the debts are re-organized into an payment plan that usually lasts 3-5 years, and the remaining debt is discharged at the end of the repayment period.
TALK TO A BANKRUPTCY AND TAX ATTORNEY TODAY (614) 523-3106
One of the distinct advantages of working with Columbus, Ohio Bankruptcy Attorney Kenneth Sheppard, Jr. is that he is also a Federal Tax Lawyer with a Masters Degree in Taxation. This combination of Debt Relief, Bankruptcy, and Tax Relief allows attorney Sheppard to provide the debt relief solution that will provide the most benefits to your specific situation. Whether you are simply trying to protect your income tax refund from your bankruptcy filing or have significant problems with the IRS, Ohio or Local taxation authorities, Sheppard Law can provide the optimal combination of Debt and Tax Relief.
We frequently see small business owners, and independent contractors visit our office who have not been able to afford to make their quarterly payments to the IRS due to other debts or have run up significant credit card debt paying taxes. Sheppard Law Offices to wipe out the debt through chapter 7 bankruptcy , re-organize the debt through chapter 13 bankruptcy, or negotiate with the IRS, Ohio, or Local Government to set up payment plans or an offer in compromise, removal of tax liens, levies, or garnishments, defend against tax audits, as well as to seek alternative methods of debt relief.
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"Hello. My name is Kenneth L. Sheppard, Jr. and I am the owner of Sheppard Law Offices, Co., L.P.A.
I welcome you to my Columbus, Ohio bankruptcy website. My law firm’s primary focus is bankruptcy and tax law. Here, I hope you find the answers to your questions.
I started my law practice in 2005 in Westerville, Ohio. I had a unique talent and interest for taxation. Early on, I discovered that many of my tax clients were also experiencing other debt problems as well. The natural progression of my law practice became concentrated in helping individuals with both bankruptcy and tax issues.
Over the past 9 years I have established four offices in Ohio (3 in central Ohio) where I help my clients resolve issues involving Bankruptcy and Tax.
I believe what sets me apart from every other practitioner is my kindness and respect for my clients’ particular situations. I personally know what it is like to struggle financially. There were certain defined moments in my life that provide me today with the humbling perspective to understand and care for my client’s circumstances.
At Sheppard Law Offices, it is my goal to provide you with a positive experience that results in the accomplishment of your objectives. My promise to you is that we will listen to your story, provide you with viable options that you may decide to pursue, and if retained, represent you to the best of our abilities."
Kenneth L. Sheppard, Jr.
Attorney at Law
Sheppard Law Offices
The Columbus, Ohio bankruptcy debt relief and taxation law office of Sheppard Law Offices, LPA is conveniently located just inside I-270 off of Cleveland Ave. Our offices provide a short drive from throughout Central Ohio including counties of Franklin, Delaware, Knox, Marion, Licking, & Fairfield. We regularly serve Debt & Tax needs of clients from Columbus, Westerville, Bexley, Dublin, Sunbury, Delaware, Fredericktown, Johnstown, Centerberg, New Albany, Gahanna, Pickerington, Grandview, Upper Arlington, Clintonville, Groveport, Pickerington, Pataskala, Reynoldsburg, Groveport, Lewis Center, Worthington, Granville, the Short North, Hilliard, Plain City, Grove City, Newark, Mt. Vernon, Canal Winchester, and Lancaster.
Columbus Ohio Office
2600 Tiller Lane, Suite A
Columbus, Ohio 43231
Telephone: (614) 523-3106
Newark, Ohio Office
843 N. 21st Street, Suite 108
Newark, Ohio 43055
Telephone: (740) 345-7138
Belden Village Tower, 200
Canton, Ohio 44718
Telephone: (330) 409-2876
Mt. Vernon, Ohio Office
11 West Gambier Street
Mt. Vernon, Ohio 43050
Telephone: (740) 392-0404
We are a debt relief agency. We help people file for protection under the U.S. Bankruptcy Code.