419-740-5935 info@counselor.pro

Take the first step towards a fresh financial start.


Financial problems can happen to anyone. The current economic times coupled with job loss, divorce, illness, often cause financial hardship making it difficult for many of us to keep up with our bills. The bankruptcy laws were designed to help honest people and businesses that are struggling with debt. Bankruptcy can help you take control of your money issues. Bankruptcy Attorney Scott Ciolek in Toledo, Ohio can help you navigate the bankruptcy process.


Considering bankruptcy isn’t easy for most people. It helps to discuss your options with someone who understands the circumstances and is on your side.  Attorney Scott Ciolek will review your finances and have a confidential and detailed conversation with you to determine the best strategy to help you obtain your financial freedom. If you’re considering filing for Chapter 7Chapter 11Chapter 13, call 419-740-5935.


Free Bankruptcy Consultation

  • This field is for validation purposes and should be left unchanged.




Attorney Scott Ciolek strives to return client calls and emails by the end of the business day.

Cost Effective

We’ll help you look at all the options and guide you on the best and most cost-effective option.

Your Guide for the Bankruptcy Process

Bankruptcy is complex, but we’re experienced and we’ll guide you through the process.  
Do you offer payment plans?

Yes, we have a variety of payment options depending on your needs. Just ask!

What is Chapter 7 bankruptcy?
If you have more debt than you can pay back, then filing Chapter 7 bankruptcy may be an option for you. Learn More
What is Chapter 13 bankruptcy?
Chapter 13 of the Bankruptcy Code is a reorganization of debts. Chapter 13 reduces your overall liability and spreads out payments to creditors over time. Learn More
What is Chapter 11 bankruptcy?
In Toledo, Chapter 11 bankruptcy proceedings are designed for businesses but can also be utilized by individuals. Chapter 11 bankruptcy cases are similar to a reorganization in Chapter 13, but Chapter 11’s are more flexible. Learn More
What are some alternatives to bankruptcy?

Sometimes Bankruptcy isn’t the solution to your financial problems. Call Scott Ciolek for a free consultation to learn about your options.

Other options Scott might suggest for you include:

Debt Relief or Reorganization

Stop Foreclosures. Stop Creditor Harassment. Stop Repossessions. Stop Wage Garnishments.

Our experienced Toledo bankruptcy attorney Scott A. Ciolek can help you get a fresh start. For most people, the hardest thing to do is making the decision to come in to see us for a free consultation to find out what your options are. But, as professionals in this area of law, we are in the best position to advise you of both the benefits and risks of bankruptcy and non-bankruptcy options. We will debunk the myths about bankruptcy, explain the benefits, and answer any questions you may have about the entire process.

Wondering if you qualify for Bankruptcy?

Call Toledo bankruptcy attorney Scott Ciolek at 419-740-5935 today for a free consultation.