Columbus Bankruptcy Attorney

If you are unable to make payments to your creditors and suffering from creditor harassment, have been sued for unpaid debt, or are facing garnishment , foreclosure or repossession of your vehicle, contact Dailey Law Offices to speak with Stephanie N. Dailey, a seasoned Columbus Bankruptcy Lawyer, to guide you through your options.

Filing Bankruptcy with Dailey Law Offices

Stephanie N. Dailey, experienced Columbus Bankruptcy Lawyer, personally consults with all potential clients for free. During the initial consultation we will gather specific information about your particular financial situation including your household income for the last six months, take in inventory of your assets and their approximate value as well as the type and amount of debt that you owe. You will also be asked to provide information on arrearages that you may be in and whether or not you wish to retain or surrender certain items of real or personal property. After gathering this information our we will advise you of all non-bankruptcy options and discuss whether a Chapter 7 or a Chapter 13 bankruptcy is the best option for your personal situation should you decide or need to file bankruptcy. Contact our Columbus Bankruptcy Lawyer today for a free consultation.

How Bankruptcy Works

Once one of our experienced Columbus Bankruptcy Lawyers files your petition electronically you will be assigned a trustee and a date for your 341 hearing, commonly known as the meeting of creditors. At the 341 hearing you will be required to testify about the information contained in your petition and whether or not any changes have occurred since you filed. The 341 hearing is a short, informal hearing held at the Bankruptcy Court on North High Street. One of our Columbus Bankruptcy Lawyers will accompany you to this hearing.

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Chapter 7 Columbus Bankruptcy Ohio

Who may file a Chapter 7 bankruptcy?

At your initial consultation, an experienced Columbus Bankruptcy Lawyer, will gather information about your personal financial situation to determine whether or not you should or may file a Chapter 7 bankruptcy. In a Chapter 7 bankruptcy you receive a discharge of all unsecured debt with the exception of domestic support obligations, student loans, and some tax debt.

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Who should file a Chapter 13 Bankruptcy?

A Chapter 13 Bankruptcy allows you to pay your secured debt and some percentage of your unsecured debt over a period of time not to exceed 60 months.  In some instances you may not pay anything to unsecured creditors. There are several reasons why you may need or want to file a Chapter 13 Bankruptcy.

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Process of Filing Bankruptcy

  • Personal Financial Evaluation
  • 341 Hearing or Meeting of the Creditors
  • Confirmation Hearing
  • Post Confirmation or Discharge
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Bankruptcy Alternatives

When you meet with one of Dailey Law Offices’ experienced Columbus Bankruptcy Lawyers you will go over alternatives to filing bankruptcy. Several of those options include:

  • Credit Counseling Agencies
  • Debt Settlement Or Creditor Negotiation
  • Loan Modifications
  • Deed In Lieu Of Foreclosure
  • Short Sale