Getting served paperwork from a lawsuit filed against you is never a pleasant experience. Sometimes creditors will file a lawsuit against you for the past due balance you owe them. The idea behind the creditor filing a lawsuit against you is to give the creditor an avenue to try to collect on your account. Getting a judgment rendered against you from a lawsuit can have serious consequences. If a judgment is rendered against you from a lawsuit the creditor can garnish wages, seize funds out of bank accounts, and attach liens to property. It is very important that once you are served paperwork from a lawsuit that you take immediate action before your money is taken from you. Filing a Chapter 7 or Chapter 13 personal bankruptcy will automatically stop the creditor's collection efforts against you. You can file a bankruptcy to stop a wage garnishment, foreclosure, sheriff sale, vehicle repossession, or utility disconnection.

Filing a bankruptcy will allow you to discharge most of your debt such as credit cards, personal loans, medical bills, and other unsecured debts. There are a few things you typically have to pay back such as student loans, back taxes, and domestic support. Speaking with an experienced Columbus Ohio Bankruptcy Lawyer would be a good idea to determine your eligibility of filing a bankruptcy and to find out how to resolve a lawsuit filed against you. 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!