by admin | Sep 9, 2015 | FAQs
Yes. Your credit score and payment history have no bearing on your eligibility to file bankruptcy. There are not any rules that require you to be behind on a certain number of bills. Ciolek LTD. has helped many people who have near perfect credit, but when you take...
by scott ciolek | Jul 23, 2013 | FAQs
Call us at (419)-740-5935 to schedule a free bankruptcy consultation. During the initial meeting Toledo, Ohio bankruptcy attorney Scott A. Ciolek will go over your financial situation and discuss the options you have. For a general overview of our Chapter 7...
by scott ciolek | Jul 23, 2013 | FAQs
We get this question a lot. Unfortunately, there is no such thing as a “partial” bankruptcy. Filing a bankruptcy requires that ALL debts and ALL liabilities must be listed on the petition. This allows you to have a fresh start and most if not all debts are...
by scott ciolek | Jul 23, 2013 | FAQs
Determining which bankruptcy you may file for depends upon many factors. One of the first factors we look at is your currently monthly income. Your current monthly income is then compared to your state’s family median income. Depending on where your income falls...
by scott ciolek | Jul 1, 2013 | FAQs
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...
by scott ciolek | Jun 11, 2013 | FAQs
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...
