You may be one of many Americans living in Ohio who is looking to consolidate your debt after the holidays. The month of January after the holiday season can be a real struggle. You are left with debt accumulated from Thanksgiving, Christmas, and New Years. It seems as if all the money you save up throughout the year is mysteriously gone and you are left with pennies to get by with. Many times there is not enough income to pay every bill or each creditor every month. Minimum payments seem to send you in the wrong direction only adding to your total debt because of high interest rates from financing companies. Filing a Chapter 13 bankruptcy is like a debt consolidation through the Federal government with added benefits. The benefits are that you may be able to pay pennies on the dollar on your unsecured debt such as credit cards, medical bills, personal loans, and bills sent to third-party collections. You may also save a house from foreclosure, get a car back from repossession, stop a wage garnishment, and stop a utility disconnect.

Filing a Chapter 13 bankruptcy would be an option worth looking into if your financial situation goes beyond the extent of a couple debts. If you are unsure of what all debts you owe or there are too many to keep track of, bankruptcy might be the best option for you. Filing a bankruptcy will give you protection under the Federal government unlike some of the debt consolidation companies you may have heard on television or the radio that leave you with broken promises and no money. Speaking with an experienced Columbus Ohio bankruptcy attorney would be a good idea to find out every legal option available to you under the applicable law. For over 30 years the friendly law office of Ralph A. Kerns & Associates has helped families file for protection under the U.S. Bankruptcy Code. 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!