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Filing Chapter 13 in Columbus Ohio



Columbus, Ohio Chapter 13 Bankruptcy Debt Reorganization


Filing office for setting up Chapter 13 Bankruptcy Protection plans, and re-organizing debtsFor 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. The Columbus Ohio bankruptcy lawyers at Sheppard Law Offices can help inform you about your options for filing for bankruptcy.

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 most unsecured debts that remain.


The Meeting of Creditors - Section 341 Meeting

For both Chapter 13 and Chapter 7 bankruptcy filing, one requirement is a Section 341 Meeting, called the Meeting of Creditors. During this meeting, which the debtor must attend, the Trustee will inquire into the debtor’s intentions, as well as his or her assets and expenses. Further, the Trustee in Chapter 13 bankruptcy cases will closely examine the income of the debtor to ensure that the proposed plan for debt repayment is feasible. Creditors are afforded an opportunity to ask questions as well, but in most cases, creditors do not attend the meeting.


The payment amount a debtor would be responsible for under a Chapter 13 structured repayment plan depends on individual circumstances. However, in every case, the debtor is responsible for repaying some (at least 1%) of unsecured debt. Factors such as the amount of priority debt, secured debt, and living expenses are also taken into consideration to equate the payment amounts.


Call the Columbus, Ohio chapter 13 bankruptcy filing office of attorney Ken Sheppard, Jr. to schedule a free consultation to determine if filing chapter 13  bankruptcy in Columbus, Ohio is the best route to financial freedom for you. The Columbus, Ohio bankruptcy office can be reached at (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.