Debt Restructuring Lawyers Serving Clients Throughout Warren and Butler Counties
Chapter 13 bankruptcy allows you to consolidate your debt into one monthly payment and pay your creditors back a portion of what you owe. In almost every case, you do NOT have to pay back all of your debt in full! Many cases pay back only pennies on a dollar, as low as one to five cents on a dollar. The debt is paid back with no interest or late fees. At the law firm of Harold Jarnicki & Associates, our attorneys have more than 35 years of experience helping people like you use Chapter 13 bankruptcy to overcome debt.
Keep Your Property, Get Rid of Your Debt
Chapter 13 does not require you to get rid of your house or your car. In fact, it can help make your house and vehicles more affordable while eliminating your unsecured debt. In many Chapter 13's, you can strip off a second mortgage on your home, or lower the payments on your vehicles. Over the course of three to five years, you will pay off unsecured debt with no interest or late fees. Remember, in the vast majority of cases you do not have to pay your debt back in full. It's based only on what you can afford. You may pay pennies on the dollar toward some debt, while paying all of another. At the end of the payment period, any remaining debt will be discharged so you can get a fresh start on your finances. Our goal is to make your payment plan as low and affordable as possible.
Chapter 13 is NOT like the debt consolidation or debt settlement companies you hear and see on the radio or TV, many of which are scams. A Chapter 13 bankruptcy is regulated by the Federal Bankruptcy Laws of the United States. You know where all of your money is going, and it is guaranteed to protect you by law from your creditors while discharging the unpaid debt.
Does Chapter 13 Bankruptcy Make Sense for You?
There are always options. Choosing the one that makes sense for you is critical. Our lawyers will take the time to thoroughly review your case in order to guide you toward the right option. If we believe Chapter 13 is the option for you, we will tell you exactly why. We will show you the work we did to come to that conclusion so you can understand and feel confident about your Chapter 13.
Of course, our review may reveal that Chapter 7 bankruptcy makes more sense in your case. If so, you can count on us to explain why.
You Will Have an Experienced Lawyer On Your Side: The Jarnicki Difference
While some law firms only allow you to meet with your lawyer at the start or end of your case, we do not make such restrictions. Our lawyers will meet with you in person throughout your case. We will answer your phone calls, address your concerns and explain the steps that need to be taken to eliminate your debt. We believe you deserve the utmost care. That is The Jarnicki Difference.
Contact Us For Your Free Initial Consultation
To discuss your case with one of our Cincinnati and Dayton Chapter 13 bankruptcy attorneys, contact us today.
