Why hire Zellar & Zellar, Attorneys at Law if you are considering filing for bankruptcy in Zanesville or Coshocton, Ohio?

Why hire Zellar & Zellar, Attorneys at Law if you are considering filing for bankruptcy in Zanesville or Coshocton, Ohio?

If you have substantial debt and feel overwhelmed with the pressure associated with that debt, you may want to consider filing for bankruptcy. While bankruptcy tends to have negative reputation, bankruptcy code was actually designed to provide debtors with much needed fresh start.  Bankruptcy is a complex legal process, so it is crucial to work with an attorney who is familiar in this highly specialized field of the law.  If you live in Zanesville or Coshocton, Ohio, the experienced team at Zellar & Zellar, Attorneys at Law, can provide you one-on-one legal counsel for all of your bankruptcy concerns.

Two of the most common forms of bankruptcy filings for individuals include Chapter 7 and Chapter 13.  Both Chapter 7 and Chapter 13 have income and budget requirements that must be met in order to qualify.  The attorneys at Zellar & Zellar, Attorneys at Law, offer a free initial consultation to determine a debtor’s eligibility.  After the initial consultation, a detailed interview is scheduled with the attorney to ensure proper disclosure of all assets and liabilities prior to the filing of the case.

The most common misconception about bankruptcy is that you are likely going to lose all of your assets in order for your debts to be repaid.  By law, you are permitted to have certain assets exempt from collection. Ohio has its own specific list of exempt property that you are entitled to keep protected.  The attorneys at Zellar & Zellar, Attorneys at Law, will be able to identify that exempt property and can help you protect those assets from the bankruptcy. The purpose of these exemptions is to allow you to maintain sufficient property to provide for yourself after the completion of your bankruptcy case, so it is important to take advantage of all possible exemptions.

The bankruptcy process requires strict compliance with various rules and procedures. If you fail to follow these rules and procedures, you may run into serious problems, which could result in dismissal of your case. An experienced bankruptcy attorney will be well versed in these areas and can help ensure that your bankruptcy is filed and pursued correctly.

Both Chapter 7 and Chapter 13 cases require at least one court appearance.  Court can be intimidating for some, so having an experienced bankruptcy attorney in your corner can help provide greater peace of mind. A bankruptcy attorney will work with the Judge, Trustees and various creditors on your behalf to try to resolve your case as efficiently as possible.  The experienced attorneys at Zellar & Zellar, Attorneys at Law, are available to assist those who are considering bankruptcy. They can provide you with advice about whether bankruptcy should be considered in your circumstances. Call to schedule your free initial consultation today.

 

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