Friendly, Detail-Oriented Bankruptcy Attorneys Available to Take Your Stress Away
Debt can be stressful and overwhelming – especially when you’re facing non-stop creditor phone calls, lawsuits, evictions, garnishments, and foreclosures. When you’re struggling to pay all your bills on time, it can be hard to determine what the best course of action is for getting ahead in your debt free journey.
One course of action is filing for bankruptcy. Many people find the idea of filing for bankruptcy intimidating and view it as a detrimental action that will ruin their credit for the rest of their lives. Fortunately, filing for bankruptcy is a straightforward process and usually it is the best option for reviving flailing credit scores, keeping a home from being sold at a sheriff’s sale, and tackling debt.
The best time to explore Bankruptcy is if you are falling behind on your regular monthly payments of all debts. You should not wait until a garnishment is starting or a lawsuit is filed. But even if it has gotten that far, it’s never too late to reach out. At Doyaga Law, LLC, our Columbus and Central Ohio bankruptcy attorneys focus on helping people resolve debt problems in a non-judgmental, friendly, and efficient manner.
Multiple Services for Tackling Debt
We consider every person’s unique circumstances. Based on those unique situations, we determine what the best option is for tackling debt. Once we have an action plan decided with you, we are always available to answer questions and address any concerns.
Chapter 7 Bankruptcy Debt Relief
Chapter 7 Bankruptcy Gives You a Fresh Start
- Eliminate debts.
- Prevent and stop lawsuits.
- Stop wage garnishments.
- End harassing creditor phone calls.
- Protect your car from repossession.
- Remove liens from your home.
Chapter 7 Bankruptcy is sometimes called “debt liquidation.” It gives consumers a fresh start on their finances by discharging (wiping out) all or most debts. Certain debts, such as child support, student loans, and taxes cannot be wiped out by a Chapter 7 Bankruptcy. However, this type of bankruptcy provides for discharge of most other unsecured debts, such as credit cards, medical bills, and payday or cash advance loans, balances from old vehicles, etc.
When deciding to file for Chapter 7 bankruptcy, many people are worried about losing their homes, vehicles, or other personal property as part of the bankruptcy. Fortunately, the attorneys at Doyaga Law, LLC, have experience using many strategies to protect your most important assets, such as your home, vehicle, and other personal property, during a Chapter 7 Bankruptcy. The truth is that most people are able to keep all of their property when filing a Chapter 7! The Columbus bankruptcy attorneys at Doyaga Law, LLC have helped hundreds of clients obtain relief through the bankruptcy process. Let us help you get back on your feet and get a fresh start.
Chapter 13 Bankruptcy Provides Effective Debt Relief
Chapter 13 Bankruptcy, commonly called individual reorganization, provides a way for individuals with high wages and valuable assets to partially discharge or completely pay off their debts. People usually file for Chapter 13 Bankruptcy when they don’t qualify for a Chapter 7 bankruptcy, want to stop a foreclosure and keep their house, or if there is some other asset that would not be protected in a Chapter 7 bankruptcy. In a Chapter 13 bankruptcy, the debtor must make monthly payments to a chapter 13 trustee for three to five years, depending on the case.
Just like in a Chapter 7 bankruptcy, filing for chapter 13:
- Ends harassing phone calls.
- Prevents your home from going into foreclosure.
- Protects your car from repossession.
- Stops wage garnishments.
- Prevents and stops lawsuits.
- May eliminate some or most of debts.
At Doyaga Law, LLC, our Columbus bankruptcy attorneys will walk you through all the benefits of a Chapter 13 bankruptcy during your initial consultation. They will diligently work on your behalf to obtain the most affordable monthly payment that works with your budget.
Get In Touch
Facing legal challenges? Reach out to our firm for dedicated expertise and personalized solutions tailored to your needs.