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Can I file for bankruptcy more than once?

This answer depends. You cannot file for Chapter 7 Bankruptcy if you received a discharge of your debts under Chapter 7 within the past 8 years. If the previous debt discharge was under Chapter 13, you may file again as long as it has not been within the previous 6...

Do I have to obtain credit counseling?

Yes and it is time sensitive. In order to file Chapter 7 bankruptcy, you must obtain credit counseling within 180 days before you file. Here is list of credit counseling agencies that have been approved for the Northern District of Ohio by the U.S. Trustee’s...

Alternatives to Bankruptcy

Understandably, many people are reluctant to file for Bankruptcy. Sometimes bankruptcy is the best options while other times it’s simply not. Our firm is happy to discuss bankruptcy alternatives with you. Every individual and family has a different set of...

Will creditors stop calling me?

As soon as you file the bankruptcy petition it creates what is called an Automatic Stay. This is a court order that tells most creditors that they must stop collections.

How Long Will Bankruptcy Stay on My Credit Report?

The results of your bankruptcy case will be part of your credit record for ten (10) years.  The ten years are counted from the date you filed your bankruptcy. This does not mean you can’t get a house, a car, a loan, or a credit card for ten years.  In fact, you can...