Dayton, Ohio, Bankruptcy Attorney
Eligibility for Chapter 7 is based on income and some other factors. You must document all your debts and assets and pass the means test to be eligible for Chapter 7 bankruptcy.
A Chapter 7 bankruptcy:
- Completely eliminates certain types of unsecured debts, such as credit card debts, medical bills and personal loans.
- Stops repossession actions, garnishments and liens
- Stops foreclosure through an automatic stay — giving you time to get current on your mortgage payments or find another place to live
- Gives you the extra cash flow you need to handle non-dischargeable debts
You get the opportunity to begin again.
You Can Keep Your Property
A Chapter 7 bankruptcy allows you to keep your vehicle, your personal property and, in many cases, your home. Creditor harassment stops, along with garnishment, judgment liens and repossession.
Attorney Scott A. Kramer understands the bankruptcy laws and how to use them to the advantage of our clients. Our firm will work to exempt as much of your property as possible, while eliminating as many of your debts as possible.
We Make It Easy
The Law Offices of Scott A. Kramer will handle all aspects of your case. We will collect the information needed and file your claim. You will have to make one appearance before the bankruptcy trustee and answer a few questions. We will do all the rest. In a few short months, you could be on your way to a better life for yourself and your family.
The Benefits of Chapter 7 Bankruptcy
Unmanageable debts can make your life miserable. Bills go unpaid and generate additional penalties and late fees. Creditors pester you at home and embarrass you by calling you at work. You can't sleep at night and fear losing everything you have.
But help is available. For many people, this is a Chapter 7 bankruptcy or Chapter 13 debt adjustment. The Law Offices of Scott A. Kramer can review your situation and recommend the right solution for you.
We have helped thousands of people from all walks of life obtain debt relief through the bankruptcy system. Our firm stops debt collection harassment, eliminates debts, reduces others and gives our clients a fresh financial start.
Call for Debt Relief
For a free initial consultation with a lawyer at The Law Offices of Scott A. Kramer, 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.
