Anyone can find themselves in debt. Sometimes debt is caused by bad choices, but most of the time it's caused by bad circumstances. An accident or illness. A divorce. A job loss. An economic downturn. If you're struggling with crushing debt for any reason, you're not alone. And you don't have to get out of it alone.
If you're like most people, you've done everything in your power to solve your money troubles on your own. Unfortunately, debt often piles up faster than people can pay it off, no matter how hard they try. That's why bankruptcy exists: to help good people get out from under the burden of debt and get a fresh financial start.
At Graham & Associates, we have over 20 years of experience helping Ohioans get back on track financially, and bankruptcy (Chapter 7 and Chapter 13) is all we do. We know that bankruptcy isn't the end of the road; it's the path to a brighter financial future. Let us walk with you.
Almost any person, married couple, or company that owns property in the United States or has a permanent residence or business in the country is eligible to file bankruptcy, subject to the United States Bankruptcy Code and applicable rules and case law. We invite you to contact our office to set up a free, no obligation consultation if you are unsure whether you are qualified to file a bankruptcy.
Although it is not legally necessary for anyone filing bankruptcy to have an attorney or legal representation to do so, it is highly recommended. It is a complex legal filing in federal court with many requirements that may not be readily understandable or easy to figure out for someone not familiar with the process. In addition, local courts may have specific requirements that are difficult to fulfill for a person not familiar with the process.
If you file pro se (without an attorney), the court where you file is not permitted to assist you with legal advice to complete your case. It may be difficult to find representation after you have filed your case on your own, as many attorneys will not take on a case filed pro se.
At Graham & Associates, we strive to make the bankruptcy process affordable. We understand that if you are having financial difficulty and considering bankruptcy, you may not have funds to hire an attorney readily available. That is why we have very competitive fees and always provide payment plan options that can fit almost any budget.
Each case is different and involves varying amounts of time and effort on our part, depending on the specific situation. That is why Graham & Associates schedules a free consultation (either in person, by phone or video conference, depending on your preference and availability) with a qualified attorney before any fees are quoted. Most of our fees are flat meaning that you know exactly what you will pay in total from the first free consultation with an attorney.
We can file some cases for only payment of the court filing fee and deferral of the attorney’s fees. We file other cases for a very reasonable down-payment with a payment plan in place. We completely understand that many of our clients who are contemplating bankruptcy do not have much money saved for an attorney or other fees. We work with you to provide help and assistance and can make bankruptcy affordable to almost every client.
Beware of attorneys or law firms that offer advertised “fixed fees” (via internet, tv, billboard advertisements, etc.) without meeting with clients. These are often misleading minimum fees that very few clients receive or do not include extra charges for additional services, which Graham & Associates include with our individual fee quote that we give after a thorough meeting with the client. Our no-cost, no-obligation, no-pressure quotes are all-inclusive in most circumstances.