Ohio Chapter 7 Bankruptcy Attorneys

A Fresh Start Through Chapter 7 Bankruptcy

Chapter 7 is the most common, quickest and simplest form of debt relief available under the Bankruptcy Code. It is designed for individuals, married couples and businesses that have not filed a previous Chapter 7 case within the past eight years and have incomes below the state median income.

At Graham & Associates Law Offices, LLC, we help people explore their debt relief options, which may include Chapter 7 bankruptcy. To speak to an Ohio Chapter 7 bankruptcy lawyer to discuss your specific options, please contact us online today.

What Types of Debt Can be Discharged Through Chapter 7 Bankruptcy?

  • Credit card debts
  • Medical bills
  • Utility debts
  • Unsecured loans (including most signature and "payday" loans)
  • Vehicle loan deficiencies (repossessions)
  • Most lawsuits/judgments
  • Driver's license suspensions and reinstatement fees
  • Foreclosures
  • Mortgage loan deficiencies
  • Rent or landlord deficiencies
  • Tax debts (tax bills over three years old from previously filed returns)
  • Secured loans for property such as real estate, vehicles or personal property that you cannot afford and are willing to surrender
  • Many judgment liens on real estate

Chapter 7 Bankruptcy Qualifications

Despite what you may have heard, almost everyone qualifies for either Chapter 7 bankruptcy or some other type of debt relief. A lot more goes into the qualification process than just your income. If you don't qualify for Chapter 7 — either because you have filed Chapter 7 within the past eight years or your income is too high (or for any other reason) — you may still qualify for Chapter 13 debt relief or other non-bankruptcy relief options. In fact, more than 95 percent of our clients qualify for some sort of debt relief.

How Long Does Chapter 7 Bankruptcy Take?

Chapter 7 bankruptcy is usually completed in about three to four months, and in most cases individuals keep their homes, vehicles, personal property, bank accounts and retirement savings. However, each person's situation is different so it is important to discuss specifics with a qualified bankruptcy attorney.

Lien Stripping

In Chapter 7 bankruptcy, you may be able to discharge any secondary liens on your home, such as judicial liens or a lien placed on your house by way of a court judgment. This is known as lien stripping. A qualified bankruptcy attorney at Graham & Associates will be able to analyze your specific situation and let you know if you qualify.

Contact Our Canton, Akron and Youngstown Debt Discharge Lawyers

Let Graham & Associates help you get the fresh start you deserve. Call us toll free at 866-529-9010 or contact us online to arrange a free consultation. Weekend and evening hours are available by appointment. Payment plans are always available.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.