Evendale Ohio Debt Relief, Credit COUNSELING & Bankruptcy
Richard West Law Office
We represent hundreds of clients through out Evendale, Ohio in Bankruptcy matters including Chapter 7 and Chapter 13. Get a Fresh start.
Evandale, Ohio, zip codes 45215 and 45241, has a low poverty rate and higher than average median household income but this does not mean that all of the residents in this area are immune to financial problems and debt worries. Cincinnati bankruptcy attorney Richard West has had plenty of clients who have successfully filed for bankruptcy protection even though they made a six figure income. If you earn a good living but your debts and expenses are also higher than average then you could still have financial issues that need to be addressed. A qualified Evendale bankruptcy lawyer can help you determine if you could qualify for this type of debt relief, and whether you would file for chapter 7 bankruptcy or chapter 13 bankruptcy.
Less than 2% of the population of Evendale, Ohio lives below the poverty rate, but there are still some who face financial difficulties on a monthly or even daily basis. One of the biggest bankruptcy myths, and one that hurts people a lot, is that filing for this protection is somehow shameful or that if you choose to consult with a Cincinnati bankruptcy attorney this means you are not trying to pay your bills and you are a deadbeat. For most people who file for chapter 7 bankruptcy or chapter 13 bankruptcy nothing could be further from the truth.
Many who consult with a bankruptcy attorney in Evendale, Ohio put this step off as long as possible, in fact often longer than they should. If you are having problems making ends meet, if you are weary of dealing with debt collectors and hesitant to get the mail or answer your phone, then you need help with your financial issues as soon as possible. Evendale has a thriving economy, with major companies including Formica Corporation and GE Aviation supplying numerous employment opportunities to residents, but some have been left behind and work at less lucrative jobs in or around Cincinnati, Ohio.
Another common Evandale, Ohio bankruptcy myth concerns the Means Test. This is a test used in chapter 7 bankruptcy to determine whether you have the economic means to pay back some or all of the debts that you owe. Many believe that if you can not pass the Means Test you can not file for bankruptcy protection but this is not always the case. Cincinnati bankruptcy attorney Richard West has had clients who could not pass this test but who still qualified for bankruptcy under chapter 7, and others who just filed for chapter 13 bankruptcy if they did not qualify under another chapter
For an overview of bankruptcy basics please visit the US Bankruptcy Basics website.