Consumer Bankruptcy Lawyer in Toledo, Ohio
Prompt and Personalized Attention in Chapter 13 Proceedings
Even if you have a good job and a steady paycheck, you may be facing overwhelming debt, whether as a result of a past layoff, unexpected medical expenses or significant increases in your monthly mortgage payment under an adjustable rate mortgage. Even though you may not qualify to discharge your debts under Chapter 7, you may still be able to get some relief by reorganizing or restructuring your debt under Chapter 13.
At the Thom Cafferty Law Office, in Toledo, we handle all matters related to Chapter 13 bankruptcy petitions, from the initial determination that Chapter 13 is the best solution for you to the review and implementation of the repayment plan. We will work closely with you to make certain you understand your options, so that you can make informed decisions. Contact us to set up a no obligation, one-hour initial consultation.
Whether you fail to qualify for a Chapter 7 bankruptcy or simply want to make a good faith effort to repay your creditors, we will sit down with you, review your income and expenses and develop a plan to repay your debts over a 3-5 year period that is within your means. A failure to comply with the terms of a repayment plan may result in the loss of the protections provided by the bankruptcy laws.
In addition to your options under Chapter 13, we will also discuss services that may be available to you through credit counseling. If you file for bankruptcy, we will walk you through every step of the process, completing and filing all required paperwork, and making certain you understand the time frame, as well as the process. We will monitor your obligations to make certain that creditors do not try to circumvent the bankruptcy laws through garnishment, foreclosure or repossession.
Contact our offices to schedule a no obligation one-hour consultation with a knowledgeable bankruptcy attorney.
Please download the intake package and complete the questionnaire, and the property, income and expense schedules and bring to your consultation.
Approved credit counseling agencies in the Northern District of Ohio
Thom Cafferty Law Office
500 Madison Avenue
Suite 320
Toledo, OH 43604
Telephone: 419-244-0169 | Fax: 419-244-9420