Columbus, Ohio, Chapter 13 Bankruptcy Law Lawyer
Chapter 13 bankruptcy is sometimes referred to as "reorganization" bankruptcy. Under it, the individual reorganizes his or her finances, allowing him or her to retain all property and continue debt payment on a reduced level through debt forgiveness and debt consolidation. It also offers highly effective tools to avoid foreclosure and reinstate faltering mortgages.
Under Chapter 13 consumer bankruptcy, the debtor proposes a plan to the court and creditors to repay debt over a three- to five-year period. During the repayment period, creditors cannot collect or attempt to collect on previously incurred debt except through the court. Payments are reduced and can affect most types of debts, with the exception of taxes, child support, alimony, and car and house payments.
Chapter 13 bankruptcy uses the debtor's court-defined "disposable" income to repay debts. Non-disposable income is left with the debtor for living expenses. Debtors who do not have significant disposable income are often ineligible for Chapter 13 debt relief as there is insufficient income left over for debt payment after all living expenses have been paid.
We Can Execute Your Chapter 13 Bankruptcy Efficiently and Effectively.
We can work with you to review your finances and determine whether Chapter 13 bankruptcy is your best option. Our attorney, Michael E. Benson has worked as a bankruptcy trustee and court-appointed administrator. He worked in bankruptcy law with several sizeable firms and formed his own practice in 2003. He has familiarity with area courts and the experience needed to help provide results for your legal issues.
The initial court filing fee for Chapter 13 bankruptcy is low, as are our rates
If you are suffering from mounting bills and increasing creditor harassment, call us for answers to your Chapter 13 bankruptcy questions. A free initial consultation can begin the process of determining whether Chapter 13 will work for you. We offer evening, weekend and holiday appointments, and house calls for the housebound. Please contact us at 614-418-4740.
Michael E. Benson, Attorney at Law
109 Town Street
Gahanna, OH 43230
Telephone: 614-418-4740
Fax: 614-418-5045
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
The law office of Michael E. Benson provides individual and business bankruptcy services to the residents of Columbus, Gahanna, Reynoldsburg, Pataskala, Pickerington, Grove City, Hilliard, Whitehall, New Albany, Westerville, Grandview, Marble Cliff, Upper Arlington, Dublin, Blacklick, Worthington, Powell, Easton, Obetz, Canal, Winchester and Bexley; and the counties of Franklin County, Licking County, Fairfield County and Delaware County, Ohio.
