Ohio Bankruptcy Lawyers

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Cincinnati Bankruptcy Attorney

Cincinnati Bankruptcy Attorney

114 E. 8th St. - Cincinnati, OH 45202
(513) 651-4357

R. Dean Snyder Attorney at Law

R. Dean Snyder Attorney at Law

5127 Pleasant Ave - Fairfield, OH 45014
(513) 868-1500

Cope Law Offices, LLC

Cope Law Offices, LLC

Dayton Bankruptcy Attorney Personalized Debt Relief Solutions

5181 Natorp Blvd - Mason, OH 45040
(937) 648-0100

Hurley Law Office, LLC

Hurley Law Office, LLC

301 N. Breiel Blvd - Middletown, OH 45042
(513) 217-5202

Paul H. Spaeth Co., L.P.A.

Paul H. Spaeth Co., L.P.A.

Bankruptcy (Debtors and Creditors); Business Law; Creditors' Rights

7925 Paragon Road, Ste. 101 - Dayton, OH 45459
937.223.1655

Chris Wesner Law Office, LLC

Chris Wesner Law Office, LLC

The right lawyer for you is the one who strives to find the best solution to your specific legal issue.

22 N. Market St., Suite C, - Troy, OH 45373
(937) 339-8001

David M. Martin Co., L.P.A.

David M. Martin Co., L.P.A.

Springfield Bankruptcy, Probate and Estate-Planning Lawyer

4 West Main Street, Suite 707 - Springfield, OH 45502
937-324-5000

Bergman & Yiangou

Bergman & Yiangou

Experience, Diligent Representation, Results. Call us for a free initial consultation!

3099 Sullivant Avenue - Columbus, OH 43204
(614) 279-8276

Fesenmyer Cousino Weinzimmer

Nolo Contributor

Fesenmyer Cousino Weinzimmer

23 East Kossuth Street - Columbus, OH 43206
(614) 228-4435

Nolo Contributor

Needleman Law Office

Needleman Law Office

Meet With a Lawyer, Not a Paralegal

5300 E Main St. Suite 109 - Columbus, OH 43213
(614) 575-1188

JOHN BATES, Esquire

JOHN BATES, Esquire

We do only consumer bankruptcies and have filed thousands of them for residents of Northeast Ohio.

Steven S. Davis Co., L.P.A.

Steven S. Davis Co., L.P.A.

A Cleveland law firm committed to helping you resolve bankruptcy issues

Rabin & Rabin Co., L.P.A.

Rabin & Rabin Co., L.P.A.

Bankruptcy Attorneys in Cleveland, Ohio

Benson Law Firm

Benson Law Firm

Personal service. Uncompromising loyalty.

Carlisle, McNellie, Rini, Kramer & Ulrich Co., L.P.A

Carlisle, McNellie, Rini, Kramer & Ulrich Co., L.P.A

<b>Law Office of Lee R. Kravitz</b>

Law Office of Lee R. Kravitz

Expert bankruptcy and foreclosure attorney in Cleveland and Euclid. FREE consultations!

Rauser &amp; Associates Legal Clinic, LLC

Rauser & Associates Legal Clinic, LLC

Sheldon Stein, Attorney at Law

Sheldon Stein, Attorney at Law

Helping people in Cuyahoga, Lake and Geauga counties overburdened by debt, facing foreclosure or with tax problems for more 35 years. Offices in Cleveland and Painesville, Ohio. FREE consultation. No cost or obligation!

Donald Harris Law Firm

Donald Harris Law Firm

The Donald Harris Law Firm is an activist law firm defending consumer rights. The firm protects consumers from creditor using all the tools available to the consumer including Bankruptcy.

Law Office of Ronald K. Nims, LLC

Law Office of Ronald K. Nims, LLC

Serving the Columbus Area for Bankruptcy, Tax Law and Family Law matters, the Law Office of Ronald K. Nims has three decades of experience helping Ohioans like you protect their legal rights.

Law Offices of Jon Ginter, LLC

Law Offices of Jon Ginter, LLC

Advocating for individuals with debt relief and probate needs

Fredric M. Boyk

Fredric M. Boyk

Knowledgeable attorney with more than 15 years of experience advising Ohioans on their legal needs

Law Office Of Edward L. Schimmel

Law Office Of Edward L. Schimmel

Toledo Area Bankruptcy Attorney - Experienced Chapter 7 & 13 Lawyers - Oregon - Northwood - Rossford - Perrysburg - Bowling Green - Sylvania - Maumee - Wood County - Lucas County - Ottawa County

Graham &amp; Associates Law Offices

Graham & Associates Law Offices

Northeast Ohio Bankruptcy Attorney

Charles Tyler Sr. Attorney and Counselor at Law

Charles Tyler Sr. Attorney and Counselor at Law

Tough Times in the Buckeye State

With over 9% unemployment and some of the highest foreclosure rates in the nation, some in the legal trade expect to see bankruptcy filings continue to rise through 2010 in hard-hit Ohio. Bankruptcies filed in 2008 hit record levels with over 58,000 in Ohio alone, and over 98% of those filed by consumers.    It is estimated that 1.4 million consumer bankruptcies will be filed in the U.S. in 2009, the surge triggered by the foreclosure crisis and economic downturn. Debt relief agency assistance in the state is stretched beyond being able to adequately assist all debtors in desperate need of counseling and relief.

Legal Counsel Important for Ohio Bankruptcy Filings

The Federal Bankruptcy Law involves processes, procedures and evaluations which can be complex and confusing, including major revisions made in 2005.  Seek the advice of an Ohio law firm with specific long-term experience in Ohio bankruptcy matters.  Check references, if possible.  A competent Ohio attorney will help you weigh your different options, make informed decisions, help you protect the security of your family and reduce your stress, while facing the realities of the situation.

The Most Common Consumer Bankruptcy Choice in Ohio

Chapter 7 is the “fresh start” chapter of the Bankruptcy Code and most commonly used.  This filing results in a fair distribution of your available nonexempt property to creditors.  Unsecured debts are generally discharged.  Included in this process is a “means test”, used to determine your ability to pay your creditors, verifying whether Chapter 7 is appropriate or indicating that you should be filing Chapter 13Median Family Income by Family Size and current poverty guidelines are factors evaluated when determining appropriate filing status for a given situation.

Major Changes Made in 2005 Will Impact your Ohio Bankruptcy

Because of bankruptcy filing abuses, the law was changed in 2005 to include the following:

  • Required pre-bankruptcy counseling
  • Strict guidelines to qualify for a Chapter 7 filing (liquidation proceeding) including a “Means Test” to determine your ability to pay debts
  • Tight restrictions on repeat filers
  • Random audits to verify accuracy of bankruptcy filing
  • Enhanced oversight for Chapter 11 (reorganization) small business cases

Bankruptcy Alternatives in Ohio

Contact your creditors to try to work out payment arrangements that you can manage.  Contact the non-profit Consumer Credit Counseling service to get help with a manageable repayment plan.  Sell as many assets as you can and pay down your debt to a manageable level.  Debt consolidation may be considered, but approach this option with caution to make sure it actually helps your situation.

Final Words on Ohio Bankruptcy

Ohio residents continue to suffer, as the State’s economy struggles to recover.  If you are considering filing for bankruptcy in Ohio, decisions you make and actions you take now can have a positive or negative effect on the outcome of your bankruptcy proceedings.  Although some filers elect to handle their bankruptcy on their own, The U.S. Bankruptcy Court cautions that“Bankruptcy has long-term financial and legal consequences -- hiring a competent attorney is strongly recommended."Click here to find Ohio attorney resources in your area. 

 

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