Bankruptcy Lawyer in Dayton, Ohio
Some people get into financial trouble through no fault of their own. A period of unemployment, a serious accident, a divorce or other event can push you to the financial breaking point. But you can recover and make a better life for yourself and your family. A Chapter 13 debt adjustment plan can help you obtain debt relief while allowing you to keep your home and personal property.
At The Law Offices of Scott A. Kramer, we have helped thousands of people reduce their debts and get a fresh start. We want to guide you to a brighter financial future.
Call 866-986-5087 toll free or send us an e-mail to schedule a free consultation.
How a Chapter 13 Bankruptcy Can Help You
A Chapter 13 debt adjustment is ideal for people who have a regular income and property they want to protect, such as a house. With a Chapter 13 you can:
Reduce debts — unsecured debts such as credit card and medical bills can be reduced or in some cases eliminated entirely.
Pay off secured debts over time — your past due mortgage payments can be rolled into your payment plan and paid off in a three- to five-year debt repayment plan.
Stop foreclosure, repossession, garnishments and liens — upon filing, the threat of foreclosure stops, as do repossession actions, garnishments and judgment liens.
Keep your home and personal property — you can keep your home, vehicles, retirement assets and other valued possessions.
We Handle Everything
Our firm will review your financial situation and recommend the right solution — a Chapter 13 debt adjustment, a Chapter 7 bankruptcy or debt reduction without bankruptcy.
We can handle all aspects of your case for a flat fee. Because attorney Scott A. Kramer practices exclusively in the field of bankruptcy, he understands how to use the law to obtain maximum property exemptions and debt relief for his clients. As soon as we file the bankruptcy petition, foreclosure, repossession and creditor harassment stop immediately.
Our firm will work to maximize your debt relief while allowing you to keep as much of your personal property as possible, so that you can once again move forward in your life.
Call for Debt Relief
For a free initial consultation with The Law Offices of Scott A. Kramer about a Chapter 13 debt adjustment plan, call 866-986-5087 toll free or contact us online.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
