There are many protections you gain from the Federal government when filing a Chapter 7 or Chapter 13 personal bankruptcy. One of the protections you gain when filing your bankruptcy petition is that the relentless and annoying creditor phone calls come to a stop. It seems as if it takes no time at all after being late on a bill when you start receiving harassing creditor phone calls from internal or third-party collection companies. Many times when retaining an attorney for bankruptcy, the creditors will contact you through your attorney. Once you file your bankruptcy petition, you will receive full protection under the Federal government. Filing a bankruptcy not only stops your creditor phone calls, it will also stop a wage garnishment, foreclosure, sheriff sale, vehicle repossession, and utility disconnection. If you are receiving creditor phone calls and are not able to pay your bill, it is only a matter of time before the creditor decides to file a lawsuit against you to garnish your wages, seize funds out of bank accounts, or attach liens to your property. Many Americans living in Ohio are seeking relief by filing a Chapter 7 or Chapter 13 personal bankruptcy.

Filing a Chapter 7 or Chapter 13 personal bankruptcy will give you protection under the Federal government unlike the debt consolidation advertisements you here about on television that leave you with broken promises and no money. Speaking with an experienced Columbus Ohio Bankruptcy Attorney would be a good idea to determine your eligibility of filing a bankruptcy. 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!