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Comprehensive Guide to Finding a Chapter 7 Bankruptcy Attorney in Columbus, Ohio
If you're considering filing for Chapter 7 bankruptcy in Columbus, Ohio, securing the right attorney is crucial. Navigating bankruptcy laws can be complex, and having expert legal guidance ensures your rights and assets are protected.
Understanding Chapter 7 Bankruptcy
Chapter 7 bankruptcy, also known as liquidation bankruptcy, allows individuals to eliminate most of their unsecured debts. This process involves the sale of non-exempt assets to repay creditors, providing a fresh start for the debtor.
Eligibility Criteria
- You must pass the means test, which compares your income to the state median income.
- Previous bankruptcy discharges can affect your eligibility.
- Credit counseling from an approved agency is required before filing.
Choosing the Right Attorney
When selecting a Chapter 7 bankruptcy attorney in Columbus, Ohio, consider their experience, reputation, and fees. A knowledgeable attorney can simplify the process and ensure compliance with all legal requirements.
Key Questions to Ask
- How many Chapter 7 cases have you handled?
- What is your fee structure?
- Will you personally handle my case or delegate it?
Evaluating these aspects will help you make an informed decision. For comparison, you might want to look into options such as a bankruptcy attorney walnut creek ca for insights on legal practices in other states.
Process Overview
Filing for Chapter 7 involves several steps:
- Credit Counseling: Must be completed within 180 days before filing.
- Filing Petition: Submit forms and documents to the bankruptcy court.
- Automatic Stay: Stops most collection actions against you.
- Meeting of Creditors: Occurs about a month after filing.
- Discharge: If successful, most debts will be discharged within 3-6 months.
Frequently Asked Questions
What debts can be discharged in Chapter 7 bankruptcy?
Most unsecured debts such as credit card debt, medical bills, and personal loans can be discharged. However, some debts like student loans, child support, and certain taxes are not dischargeable.
How long does the Chapter 7 bankruptcy process take?
Typically, the process takes about 3 to 6 months from filing to discharge, assuming there are no complications.
Can I keep my house and car in Chapter 7 bankruptcy?
It depends on your state's exemption laws. In Ohio, there are specific exemptions for equity in a home and a vehicle, which can help protect these assets during bankruptcy.
For those outside Ohio, seeking insights from a bankruptcy law attorney denver might provide a broader perspective on asset protection strategies.
The Columbus Bankruptcy lawyers at Bergman & Yiangou provide the best legal representation for Chapter 13 and Chapter 7.
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