I was also treated with respect and never felt ashamed or embarrassed because of the bankruptcy.- Degra S.
He really made me feel relief...Can't thank him enough.- Juanita B.
Such a sigh of relief to be on the other side of our situation now with all the help they provided.- Keith C.
Mr. Charles Van Ness is a great man to whomever is in need of his service I would strongly recommend him to you… even though I did not accomplish anything from the estate he did work hard to try and do so I appreciate the effort and blessings to his- Anna W.
Glad I found him. Great guy! Thank you for your help and for being so thorough.- Former Client
I can’t thank Mr. Van Ness and the front desk ladies enough. You’ve taken a massive burden off of my chest that I’ve been dealing with for years.- Sarah R.
He was professional, well spoken, efficient, and affordable.- Kelley B.
Charles is very good at explaining the various aspects of the process and answers any questions in a timely manner.- GN
Bankruptcy Laws in Ohio
In Ohio, you have the right to choose which type of bankruptcy you want to file for. However, you must pass a means test to qualify for Chapter 7 bankruptcy. The means test will determine your disposable income, which is the amount of income you have left over after paying for basic necessities such as food, clothing, and shelter. If you pass the means test, you will be able to file for Chapter 7 bankruptcy. If you do not pass the means test, you will have to file for Chapter 13 bankruptcy.
If you have been contacted by a debt collector, you may be able to file for bankruptcy to get a fresh start. However, you will have to act quickly. Under the Fair Debt Collection Practices Act, debt collectors are only allowed to contact you twice per week. If you file for bankruptcy, the court will issue an order prohibiting the debt collector from contacting you.
What Our Clients SayOur clients share their stories about what happened and how we helped.Our Reviews
About Our FirmWe have extensive experience handling the legal issues that affect our clients' daily lives.Read More
Schedule A ConsultationOur team offers free initial consultations in person or virtually.Contact Us
Which Type of Bankruptcy Should You File for?
When you file for bankruptcy, you will have to choose which type of bankruptcy to file for.
The most common types of bankruptcy are:
- Chapter 7: A Chapter 7 bankruptcy involves liquidating your assets in order to pay back your creditors. You will only have to pay back certain types of property, such as your home, car, and personal items. A Chapter 7 bankruptcy can be beneficial if you have little to no assets.
- Chapter 13: A Chapter 13 bankruptcy involves creating a debt repayment plan that lasts between 3 to 5 years. You will have to pay back a portion of your debt and make monthly payments to a bankruptcy trustee. A Chapter 13 bankruptcy can be beneficial if you have significant debt, but you still have assets that can be used to pay back your creditors.
Don't Let Debt Control Your Life: Learn About Your Bankruptcy Options
Are you struggling with overwhelming debt and unsure of how to move forward? Bankruptcy may be a viable option for you to regain control of your finances and start fresh. At Van Ness Law, our experienced bankruptcy attorneys serving Mayfield Heights and the surrounding areas can help you understand your options and guide you through the process.
Bankruptcy can provide relief from:
- Credit card debt
- Medical bills
- Mortgage or rental arrears
- Car loans
- Other types of debt
Our team can help you determine if Chapter 7 or Chapter 13 bankruptcy is the right choice for your situation. We will work with you to create a personalized plan to help you achieve financial stability and get back on track. Contact us today to schedule a consultation and take the first step towards a debt-free future.