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Sheppard Law Offices

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Consumer Debt Relief Options in Columbus Ohio

TALK TO A BANKRUPTCY ATTORNEY TODAY (877) 505-9455

 

Many people are uncertain as to their rights to obtain debt relief under the U.S. Bankruptcy Code and laws of the State of Ohio since the change in federal bankruptcy laws (Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 - BAPCPA), which implemented the new "means test" making it more challenging to qualify for Chapter 7 (liquidation) “fresh start” bankruptcy.

 

While the laws make it more challenging to obtain Chapter 7 “fresh start” and Chapter 13 “debt repayment plan” relief, the bankruptcy attorneys at the Columbus, Ohio law offices of Kenneth Sheppard, Jr. is highly experienced in helping individuals, families, and businesses to obtain much needed debt relief. As an added convenience Sheppard Law has offices in Columbus, Newark, and Mt. Vernon, Ohio where we can assist you in deciding which type of bankruptcy protection and relief is the best for you.

 

During your free initial consultation, your bankruptcy attorney at Sheppard Law Offices will discuss the primary methods to handle your debts and help you to determine which method will work best for your situation:

 

- Deal with the Creditors directly

- Debt Consolidation - Consumer Credit Counseling Services of Ohio

- File for Chapter 7 or Chapter 13 Bankruptcy

 

Remember that filing for bankruptcy gives you immediate relief from creditor harassment, and provides financial relief so that you can build a successful future, free of debt, for you and your family.

 

Filing for Chapter 7 Consumer Bankruptcy in Columbus, Ohio

 

Often referred to as “fresh start” or “liquidation”, filing for Chapter 7 bankruptcy protection in the state of Ohio will discharge all of a debtor’s unsecured debts. To be eligible to file for Chapter 7 bankruptcy in Columbus, Ohio you must 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. Including filing fees and attorney fees, it typically costs about $1,500 to file for Chapter 7 bankruptcy.

 

More on Filing Chapter 7 Bankruptcy in Columbus, Ohio.

 

Filing for Chapter 13 Bankruptcy in Columbus, Ohio

 

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. Chapter 13 bankruptcy, sometimes called “reorganization”, provides a structured repayment plan for a set length of time (a typical plan is for three to five years). After the completion of the plan, the debtor can expect discharge of remaining unsecured debts. Furthermore, a Chapter 13 bankruptcy may be a viable option for someone attempting to save property they are currently past due on payments, such as an automobile or home. Chapter 13 can also help extend the repayment of certain tax and student loan obligations.

 

More on Filing Chapter 13 Bankruptcy in Columbus, Ohio.

 

 

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Click Here to Call the Columbus Ohio Bankruptcy Lawyers, we help those facing debt problems to file chapter 7 or chapter 13 bankruptcy FREE15 Minute Phone Bankruptcy Consultation with attorney (614) 523-3106

 

 

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Sheppard Law Offices - Columbus

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

Akron-Canton Office

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

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We are a debt relief agency. We help people file for protection under the U.S. Bankruptcy Code.