You may be one of many Americans living in Ohio that needs to file a bankruptcy. In order to file a bankruptcy, you are required to take an accredited credit counseling class approved by the court. The new laws with the Bankruptcy Reform Act of 2005 make it a requirement to take a pre-filing and pre-discharge credit counseling class. Both the pre-filing and pre-discharge classes are offered online, over the phone, or in person. You can take the pre-filing credit counseling class at your convenience within 6 months or 180 days before filing your bankruptcy petition. The pre-discharge class you are required to complete after you file your bankruptcy before you receive your discharge. It is always a good idea to complete the pre-discharge class before you go to court.

Speaking with an experienced Columbus Ohio bankruptcy attorney would be a good idea to determine your eligibility of filing a bankruptcy and to find out when the best time to file your petition would be. Once you retain an attorney for bankruptcy, by law you can get the creditor phone calls stopped. An experienced Columbus Ohio bankruptcy attorney will be able to take the necessary legal action to stop a garnishment, foreclosure, repossession, and utility disconnect. 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!