You may be one of many Americans living in Columbus, Ohio planning to file a bankruptcy to stop a garnishment, foreclosure, repossession, or utility disconnect. The first step in filing a bankruptcy is to speak with an experienced bankruptcy attorney to determine your eligibility of filing a Chapter 7 or Chapter 13 personal bankruptcy. There are many factors that determine your eligibility of filing a bankruptcy. Some of the factors that determine your eligibility to file a bankruptcy include household income, total debt, household size, prior filings, and equity of assets. Legal counsel will be able to explain to you every legal option available under the applicable law. There are many legal options available to you given your situation. An experienced Columbus Ohio bankruptcy attorney will be able to take legal action and can determine the best time to file your bankruptcy petition to reach the optimum results possible.

You may consider filing a Chapter 7 or Chapter 13 personal 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. The friendly law office of Ralph A. Kerns & Associates cares about our clients and understands the stress of financial worry. With friendly service and aggressive representation, we fight for our client's rights. We have over 30 years experience helping people file for protection under the U.S. Bankruptcy Code and 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!