Chapter 13 Bankruptcy in Cincinnati
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You need answers to your tough debt problems. How can you be sure whether filing bankruptcy is the right answer?
What about non-bankruptcy options? You need an attorney who will explore and explain ALL your options.
That’s what we do at West, Hurley & Malikiewicz. If you need a Cincinnati bankruptcy attorney, or a Dayton Bankruptcy attorney, you owe it to yourself to spend some time on this website. Check out our videos. Here you will find information about filing bankruptcy; chapter 7 bankruptcy, chapter 13 bankruptcy, debt consolidation, credit card debt solutions, and more. What you can do if you are facing garnishment, lawsuits, repossession, utility shutoff, creditor harassment and other collection actions.
If you’re in debt and can’t get ahead, you need to get the facts. We are here to help.
Filing for bankruptcy could be the solution.
In the last 12 months, over 1.8 million people filed bankruptcy to get ahead, many in the Cincinnati and Dayton area.
Nearly two million people can’t be wrong. If you need to stop garnishment, lawsuits, repossession, and creditor harassment, bankruptcy might be the best solution.
Every day, we help people in Cincinnati, Dayton, Hamilton, Middletown, just like you, find answers to their tough debt problems. Some file for bankruptcy, some don’t need to. We frequently find non-bankruptcy solutions for those who come to see us. Bankruptcy just does not carry the stigma it once did. Ask yourself, don’t you know someone who has filed for bankruptcy? Most people do. Do you think that someone is a bad person just because they filed bankruptcy? Of course not! Everyone faces economic difficulty at some point in their lives.
Today, it just make some good economic sense to consider all options, including filing bankruptcy.
Are you tired of bill collectors calling you day and night? Are you sick of wondering if your car will be in the driveway when you wake up, or if it has been repossessed? Do you dread going to the mailbox, afraid you will find notice of a lawsuit or garnishment? If you need relief, why not find out what options you have? The answers are free. Simply call for an appointment. Talk to an attorney who does nothing but debt relief. We will answer all of your questions, and then some. We’ll tell you if bankruptcy might be right for you. Then, after we have carefully reviewed all of your options, you can leave. No strings attached. You can think about whether or not this might be the answer you’ve been looking for.
Many people are surprised when we tell them not to file bankruptcy! Yes, that’s right. We tell nearly half of the people we see not to file bankruptcy. Sometimes they just need some help with their budget. Occasionally, debt consolidation, or debt settlement will be the first option. Sometimes we give them advice that makes filing a bankruptcy unnecessary. Of course, you won’t know until you come in to speak with us.
What Happens after I file for bankruptcy?
Everybody wants to know how bankruptcy will affect their credit.
Of course this is an important consideration. Most people mistakenly think that bankruptcy will have a long-term negative effect on credit. Although this was once true, its not as true today as it was in the past.
People like to ask us, how long will the bankruptcy remain on my credit report?
The answer is 10 years, but it’s the wrong question to ask. The real question that you want the answer to is whether or not the bankruptcy on your credit will have a negative affect, and if so, how long.
There is actually a three-part answer to this question. This is what you need to know.
First, you want to know how long it will take you to get a credit card. The good news is that you will be able to get a credit card immediately after filing her bankruptcy. That could also be the bad news, however. You must be careful to keep the credit card balance under control. We recommend that you get a credit card right away after filing bankruptcy. We know it is absolutely the very best way to reestablish your credit after filing bankruptcy.
We explain exactly what steps to take and how to best use the card to reestablish your credit score.
Secondly, people want to know how long it will be before they will be able to purchase an automobile after bankruptcy.
It generally takes about one year after your bankruptcy discharge in a Chapter 7 to qualify for automobile loan at a good interest rate. This presumes, however, that you have properly used a credit card the way we explain to you that it needs to be done.
Finally, people wonder about whether or not they will be able to get a mortgage after bankruptcy. How long will that take?
Generally, it takes about two years after their bankruptcy discharge. Of course, like the automobile loan, you must take proper steps to rebuild your credit after your case is over.
We follow up with you after your bankruptcy. We make sure that your credit report correctly reflects that the debt you listed in your bankruptcy has been discharged and is now at a zero balance.
Our firm is unique!
We don’t stop after we file your bankruptcy.
We also go the extra mile for you. We explain exactly what steps you need to take to reestablish your credit as quickly as possible. Most attorneys close their file on you after the case is discharged. Not us. We follow up and give you, at no extra charge, the instructions and forms you need to make sure that your bankruptcy discharge is properly reflected on your credit report.
You can quickly rebuild your credit after filing bankruptcy. In fact, it’s often much faster to rebuild credit after wiping out bills in bankruptcy than it is to try to waste years of your life and tens of thousands of dollars trying to pay off impossible debt. Look at how much of your monthly payment actually reduces your balance. Pretty sad, isn’t it? How long will it take to pay it off? A lot longer than it makes sense to try, in many cases.
So, if you want a complete analysis of all of your options, including non-bankruptcy options, call us for a no strings attached no obligation appointment with a debt relief attorney who’s only interested in helping you make the best decision possible.