My office has handled several thousand Chapter 7 and Chapter 13 Bankruptcy cases over the past thirty years which is more than any other attorney in Southeastern Ohio in recent years.  My office has been a leader in low-cost, affordable  bankruptcies in Southeastern Ohio!  We strive to keep our prices affordable for you!  We are one of the most affordable, if not the most affordable bankruptcy attorney in Zanesville!
 

            One of the many false rumors about bankruptcy is that the Court takes your property.  This is NOT true.  You can keep your property  in a Chapter 7 and a Chapter 13 bankruptcy.  Every Debtor is entitled to exemptions that protect various items that you own.    It is very  rare that a Debtor's property is worth more than what is allowed by the exemptions.  In that rare case, the Debtor can choose to file a  Chapter 13 to further protect that item.

 

  1.  Chapter 7 relieves you from most debts.  (You can keep certain debts, such as a house and/or vehicle payment.)  
 

2.  Chapter 13 is a payment plan where you pay the Court and the Court pays the creditors.  Plan payments are based specifically on that particular person’s situation.  In Chapter 13, you can pay as low as 1% of your  unsecured debts, such as credit cards, and not be liable for the remaining balance upon completion of the Chapter 13.  
 

Credit Counseling Programs do not force creditors and debt collectors to stop collection activities, such as filing lawsuits and garnishments against you.  Creditors and debt collectors are also not required to participate in these programs. 

We have been designated by the U.S. Congress as a Debt Relief Agency.