Chapter 13 Personal Bankruptcy Lawyer Columbus, Ohio
Personal Bankruptcy Attorney
In addition to providing Chapter 7 bankruptcy services, White & Fish, L.P.A., located in Columbus OH, offers representation to individuals and married couples who are considering filing Chapter 13 bankruptcy cases. Contact us today to schedule an initial consultation (at no cost) with one of our attorneys so that we can discuss your unique circumstances, and determine if Chapter 13 is the right alternative for you.
Once a bankruptcy is filed, an automatic stay is issued bringing an end to the harassing phone calls and collection tactics. This helps to restore a measure of peace within your home while establishing a calm legal environment in which to resolve your debt and credit issues.
Why is Chapter 13 Bankruptcy Sometimes the Right Alternative?
Filing a Chapter 13 bankruptcy provides a person or married couple with the chance to restructure their debt under the supervision of the bankruptcy court. When our attorneys prepare a Chapter 13 bankruptcy, we guide our clients in the development of a proposed repayment plan. This plan gives the bankruptcy court and associated creditors a specific strategy for how a debtor intends to pay off what is owed. The Federal Bankruptcy Code generally provides a 3 to 5 year timeframe for this repayment to be completed. Once the bankruptcy court (and the creditors) approve the plan, the debtor will make regular payments to the trustee, who in turn pays the creditors according to the terms set forth in the approved plan.
What to Prepare for the Initial Consultation
It is important that you gather some initial information when preparing to visit our offices for the initial consultation, including:
- Statements from your Creditors (including credit cards, motor vehicles, mortgages, student loans)
- List of present monthly expenses (including utilities)
- Recent Paystubs
- Market Valuation for any Real Estate
We will give you a free bankruptcy kit which will help to prepare for your initial consultation. Contact the bankruptcy attorneys at White & Fish, L.P.A. to discuss your unique situation and schedule an appointment for your initial consultation.
White & Fish, L.P.A. can also assist with filing Chapter 7 bankruptcy, Chapter 11 bankruptcy and Chapter 12 bankruptcy. Clients of the firm enjoy a comprehensive video introduction to the bankruptcy process and all questions related to filing and debt relief. This unique level of personal service, along with the more than 50 years of combined experience in business, small business and personal bankruptcy in Columbus and Central Ohio will assure you of dependable advice and decisive action.
It is important to understand all of the options, and to make an informed decision with as much pertinent information as possible. To discuss your unique circumstances and the best options to protect your interests, contact White & Fish, L.P.A., Inc., today.
