Hamilton Ohio Bankruptcy Attorney

Trusted Filer of Chapter 7 and Chapter 13 Bankruptcy in Hamilton, Ohio 

Bankruptcy is not something most people look forward to. It is never undertaken without careful consideration. There are many unforeseen dangers if you make a mistake.  Either by trying to do it yourself or by hiring the wrong lawyer.

You may have heard of people who did not file for bankruptcy when they should have.  They now stuck with debts they cannot pay off, not having enough to cover living expenses, and may be facing major repercussions (such as garnished wages). They may be financially ruined.

If you are considering bankruptcy, you need to get help from an experienced lawyer. 

To be sure you have covered all your bases, you should consult with an attorney who is certified in both bankruptcy law and non-bankruptcy options.

Richard West, a board certified consumer bankruptcy specialist and certified debt arbitrator, can help you decide what the best solution to your difficult debt problems will be. 

The process of filing any kind bankruptcy is complicated. Not all lawyers will even attempt bankruptcy, as it is a complex area of the law.

Over 30,000 Families Served

Since1986, We have been the authority for debt relief and credit recovery.

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Hamilton Ohio Bankruptcy Attorneys

If you are in Hamilton, Ohio and need a bankruptcy lawyer to help with your finances, know that you are not alone.

If you need surgery, you should get it from a doctor. You can’t help yourself with drugs from the store. If you need bankruptcy, don’t waste time on programs that only make money for them and could get you sued.

Call Richard West, an experienced and trusted Hamilton Ohio bankruptcy attorney to find the best option for your situation.

With a Chapter 13 Bankruptcy, you can have much greater freedom to keep your most important assets than if you had filed Chapter 7.

Choosing a bankruptcy lawyer also means that you need to talk with more than one attorney and see what form of bankruptcy is the best option. Settling for Chapter 7 when Chapter 13 will give you a better result is a mistake. Don’t make any final decision without discussing both options.

Richard West Law Office

Gold Standard in Bankruptcy

By Filing for Bankruptcy Relief in Hamilton You Can

Wipe Out Debt, Keep Your Property & Rebuild Your Credit

Are you a Hamilton, Ohio resident who is burdened with debt? Start here for an explanation on Bankruptcy options.

Chapter 7

Chapter 13

NON-Bankruptcy Options

THE COST OF AN ATTORNEY

How we can Help

Chapter 7 Bankruptcy

Personal Chapter 7 Bankruptcy Attorney

Chapter 7 bankruptcy is a form of bankruptcy that wipes clean and erases unsecured debt. As soon as you file bankruptcy, all lawsuits will be automatically dismissed. Any pending civil actions against you, which include repossessions and bank levies, will be immediately stopped.

Chapter 7 is the most common form of bankruptcy. It completely erases unsecured debt such as credit cards and medical bills, personal loans. Your house or car can be kept, provided you want to keep them and are current on your payments.  You can keep, or reaffirm, these debts. 

However, if you don’t make timely payments to your secured creditors after filing for bankruptcy, they can seize and repossess your house or car.  And, they can sue you later. So, reaffirmation is an important decision.

Chapter 7 is also called a straight bankruptcy because it does not include a repayment plan.

Although you may read on the internet that all of your assets are liquidated, which means sold to pay off creditors, this almost never happens.

Most everything we own is protected by law, and so almost never will you lose any property in a Chapter 7.

Chapter 13 Bankruptcy

Personal Chapter 13 Bankruptcy

Chapter 13 bankruptcy is a good way to deal with financial issues. It gives you one payment to make for all your debt, and this greatly simplifies things for you.

The chapter 13 bankruptcy will last for 3-5 years, It is also called a financial reorganization. The amount you pay to creditors in a Chapter 13 could actually be less than you would pay in a Chapter 7!  So, it’s always important to compare Chapter 13 to Chapter 7 even if you do qualify for Chapter 7.

Chapter 13 bankruptcy can be the best choice for you if you are behind on secured debt (like a car or house) that you want to keep.

It can also be a good choice if you are struggling with debt and can’t maintain the payments, but you do not qualify for Chapter 7.

With my unique credit rebuilding program, it is possible to rebuild your credit while you are in a Chapter 13.  No other attorney has anything like this program. 

Chapter 13 bankruptcy is very powerful and flexible.  It can solve many different situations and will wipe out most debts with minimal payment.

Contrary to what many believe, you do not have to pay back 100% of your debt in Chapter 13. 

Debt Settlement & Debt Negotiation

Debt settlement is a dangerous option for many reasons.

To begin with , it is not guaranteed, and will have significant negative effects on your credit.  There are other dangers as well. 

Debt negotiation has many risks. It will certainly hurt  your borrowing power.  You will have worse credit for a longer period of time than if you had filed bankrukptcy, in most cases that I see.

Bankruptcy and debt settlement both have benefits and negatives.  When I advise a client on options, we do look at both.

We are mindful of the fact that the risk and uncertainty of a non-bankruptcy approach, where the outcome is not guaranteed, can backfire.  We often we see situations where people waste years of their lives and thousands of dollars on failed attempts to avoid bankruptcy.

The Cost of A Hamilton, Ohio Bankruptcy Attorney

Hiring the right bankruptcy lawyer is really an investment in yourself and your financial future. 

And, like with most things in life, you generally get what you pay for. Saving a small sum today could end up costing you a lot more tomorrow.

When you look at the long term, especially considering that we help you with credit recovery and no other law firm we know has a program like ours, it makes sense to pay a little more now, for the peace of mind you get knowing your credit will be better.

At the Law Offices of Richard West, we give you an honest assessment of your options. And when you are considering filing for bankruptcy, we’ll compare Chapter 7 and 13 for you and explain the best option for you. 

Hiring a bargain basement lawyer with cut-rate prices could end up costing you more.

Cheap attorneys are probably just that. 

Source of Debt in Hamilton Ohio

Medical

A recent article on CNBC says that one in three families have medical bills that are a problem.   25% have balances over $10,000.

When medical bills make it difficult for you to meet your living expenses, you are not alone. Even if you have medical insurance is no guarantee that you will not be financially devastated by even a single serious illness.

Student loan

Too many students have too much student loan debt.

42% of students in the 18-29 age group have student loans.  This has hit Hamilton Ohio hard.

When you can’t pay your student loans, they go into default, and the balances increase.  They are reported on your credit.

Filing bankruptcy can free up money to help make it possible to pay these loans, as they are not generally discharged in bankruptcy.

Credit cards

Credit cards are a a necessary part of our financial lives.  Many people, however, find that they can get out of hand.

Cash advances, balance transfers, paying one card with another, taking advantage of teaser rates can get you in trouble before you know it.

And credit cards are too easy to get! Just fill out an online form and you have a card in no time.

Mortgage debt

New home buyers often don’t think about all the many costs that go along with a mortgage. The additional costs are significant.  You have to pa property taxes, maintenance, and other fees. The actual cost of owning a home can be overwhelming.

Then, when you fall on hard times, it’s tempting to skip a house payment.  Or two.  Then, at missed payment number three, you end up in foreclosure.

Often bankruptcy is the only way to save the house.  You can wipe out other debts, so you can focus on catching up the house payment

Lawsuits

Getting a lawsuit in the mail can frighten you more than anything.

Filing personal bankruptcy ends lawsuits.  Once the debt is discharted, creditors can never again attempt to collect these debts. 

Sources of Debt

What They Can Claim

What They Can Cause

Protect Yourself From Creditors

Let us stop the harassment and collections, the endless phone calls and lawsuits. We can fix your financial problems.

Being deep in debt is deeply personal. I’ve been there.  I understand from my own journey through insolvency how you may feel.  

Being in debt ruined the quality of my life, and that of my family.  Perhaps that’s what’s happening to you right now.

Don’t waste another day.  This won’t go away.  Things don’t fix themselves. If you are suffering from financial stress and pressure, please contact us for a free consultation.

Types of Debts Discharged in Bankruptcy

Common debts discharged in bankruptcy

A bankruptcy case usually wipes out most types of debt. Taxes, child support payments, and student loans are not eligible for discharge, but most other debts can be cleared from the record.

Credit card debt

Credit card debt is one of the top reasons to file for bankruptcy. These are discharged in either Chapter 7 or Chapter 13.

Considering filing bankruptcy? You’ve probably paid more money on your credit card than you’ve used it to spend, due in large part to interest rates and fees. With a bankruptcy, you get out from under all the debt and this clears the path towards better credit. With our program, you can have your credit recovered in a very short time.

Medical bills

Medical bills often lead to bankruptcy.  Even if you have health insurance, high deductibles can cause a medical situation to become an expensive expense quickly.

Bankruptcy can be a common and sometimes necessary way to deal with medical bills. If you do so, you will still be able to go to the emergency room if need be.

Personal loans

There are a lot of personal loans to choose from in America. With names like One Main, Mariner, Tracir and the many online loan companies like BestEgg, Sofi and Lending Tree (to name a few), it’s easier than ever to take on impossible debt.

Fortunately, these personal loans are wiped out when you file bankruptcy.

Cash advance loans

Cash loans are a common debt we can get rid of in bankruptcy. They have really high interest rates.

Don’t worry. These loans are eligible for discharge, even if you sign an application promising not to file bankruptcy. I have never failed to discharge a cash advance loan in 35 years of practice.

Foreclosure and repossession deficiencies

Bankruptcy can wipe out most of your debts, including those related to home or vehicle repossession. It’s important to note that even if your creditors do not forcibly collect, they will often “park” it on your credit report and continue to report the debt as delinquent, lowering your score significantly.

Bankruptcy is a powerful tool that lets you wipe out debts by claiming bankruptcy. Some creditors may try to take extreme measures like garnishing your wages or outright wiping out your bank account. By filing Chapter 7 or Chapter 13, you can protect yourself from these aggressive tactics.

Rebuild Your Credit

Bankruptcy is often thought of as a last resort for many people. They are sure that it will negatively affect their credit score. This is not the case for my clients. We have a program that helps to quickly recover credit.

As a certified credit counselor, and because I had to rebuild my own credit after I went insolvent, I have created a very effective, yet easy to follow credit recovery plan. My plan will help to rebuild your credit quickly after discharging debt in bankruptcy.

Credit can be wiped clean – and for most it’s a fresh start to rebuild your credit. All you need is a proven program and the determination to follow through with the process. 

Most of my clients, virtually all of them who follow this simple program, achieve a FICO credit score of 650 – 700 within one year after our bankruptcy discharge. In some cases they even achieved a higher credit score.

How a Hamilton Bankruptcy Attorney Can Help.

Being in debt in Hamilton Ohio is no fun. 

If you live in Hamilton, your case will be filed in the Cincinnati  Bankruptcy Court   While there are several attorneys in Hamilton, Ohio, there is only one board certified consumer bankruptcy specialist, recognized by the Ohio Supreme Court, Richard West, who is certified by the American Board of Certification.

Richard West understands that you want to go over all your options.  He knows that bankruptcy may NOT be your best solution.

This is one reason why he is also a certified debt specialist, and has counseled hundreds of families to not file bankruptcy, and instead to pursue non- bankruptcy debt relief programs.   

Whether you need to file Chapter 7 bankruptcy or Chapter 13 bankruptcy or find a non-bankruptcy option in Hamilton Ohio, you need the best counsel you can find.  One who has practiced for over 35 years solving the exact kind of problem you have.

Common sense tells us that wen you have a serious problem, you get a specialist on your side.

You are at a critical point.  The choices you make now will have lasting and profound effects on your financial situation for your future.

Get this right, the first time. Get the best bankruptcy attorney in Hamilton Ohio for your situation.

We Service the Following Cities and Communities near Hamilton Ohio

Ready? Get on the Road to Bankruptcy Recovery

We are still open for remote filings in Hamilton and remote consultations during the pandemic. All consultations are free and there is no catch. We only work with clients who want to work with us. Nothing high-pressure. We look forward to assisting you.