You may be one of many Americans living in Ohio looking to file a Chapter 7 or Chapter 13 personal bankruptcy. One of the biggest questions that come to mind is what will happen to your car when filing a bankruptcy in Ohio? The thought of losing one of your most valuable assets can be a frightening prospect. The truth is that because you file a bankruptcy doesn't mean that you will lose your car or other vehicles. If you want to keep your vehicles, all you have to do is make sure that you stay current on your payments. If you are not current on your vehicle payments, it is a matter of time before the vehicle gets repossessed. If the car gets repossessed, you may have an option of getting the car back by filing a Chapter 13 bankruptcy. There are many factors that determine your eligibility of filing a bankruptcy. Some of the factors that determine one's eligibility to file a Chapter 7 or Chapter 13 personal bankruptcy include household income, total debt, household size, prior filings, and equity of assets.

Filing a Chapter 7 or Chapter 13 personal bankruptcy will automatically stop a foreclosure, sheriff sale, wage garnishment, vehicle repossession, and utility disconnection. Speaking with an experienced Columbus Ohio Bankruptcy Attorney would be a good idea to determine your eligibility of filing a Chapter 7 or Chapter 13 personal bankruptcy and to see what your legal options are with your vehicles. 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!