A problem that requires legal action can be life-changing. One moment, it seems as if the path is clear. The next, the emotions of financial worries can make it difficult to know which way to turn. You may be one of many Americans looking to seek relief by filing a Chapter 7 or Chapter 13 bankruptcy. You may consider filing a bankruptcy if you are receiving harassing telephone calls from creditors and/or collection agencies, you have been sued and are facing a wage garnishment, your car has been repossessed or sold by your lender, your home is in foreclosure or has been foreclosed, you have a utility disconnect notice, or if you are struggling to make minimum payments to creditors.

An experienced Columbus Ohio Bankruptcy Attorney will be able to assist you with crafting a plan to tailor the bankruptcy around the unique needs and rhythms of your family and to help you rebuild your financial future. The friendly law office of Ralph A. Kerns & Associates is committed to providing excellent representation, which includes carefully explaining to our clients every legal option available to them under the applicable law. We are here to help you through this difficult time and we are always available to answer your questions. For over 30 years we have helped people file for protection under the U.S. Bankruptcy Code along with exploring other avenues that may be beneficial. We understand the stress of financial worry and are here to help you through the process. Through friendly service and aggressive representation, we ensure our client's rights are protected. We never hesitate to act quickly and efficiently when time is of the essence. Call today for a free consultation. Help is one phone call away!