Huber Heights Bankruptcy Attorney
#1 Filer of Chapter 7 and Chapter 13 Bankruptcy in Huber Heights, Ohio
You deserve to get the best. That’s why you want a Huber Heights Ohio bankruptcy attorney who is board certified and experienced in consumer debt counseling, as well as being qualified to help with financial troubles of all kinds! You need a certified specialist like Richard West Law Office – someone who has been helping others for 35 years, to help guide you to the best solution to fix your financial problems, and end your stress.
When it comes time to get a real solution – one that includes rebuilding your credit, you don’t want to cut corners. Serious debt problems, personal finance matters such as foreclosure protection, lawsuits from creditors, and especially credit card debts-require analysis of all options, not just Chapter 7 or 13 bankruptcy.
For years, more families in Huber Heights Ohio have chosen consumer bankruptcy and credit counselor Richard West to help them to solid financial ground than any other attorney in the Huber Heights area.
Over 30 Years Fighting Credit Card Predators
Why Should You Hire a Bankruptcy Attorney in Huber Heights?
Many in Huber Heights Ohio need a bankruptcy lawyer who can assist them in controlling their finances. You need to look at all options, and bankruptcy should not be your “last resort” as is frequently claimed.
Consider this. If you needed an operation you wouldn’t waste time trying to treat yourself with drug store remedies?
When you need bankruptcy, don’t waste your time with debt management programs, that usually just make money for them, and might end up getting you sued!
Call the Huber Heights Ohio bankruptcy attorney who’ll help you evaluate all your options, and explain why, in many cases, one option is clearly the best for your unique situation.
And, many are surprised to learn that Chapter 13 bankruptcy can do more for them than Chapter 7 Bankruptcy!
Don’t sell yourself short and for a Chapter 7 Bankruptcy attorney who can’t explain the options in in Chapter 13 as well. It could cost you thousands of dollars if you do.
By Filing for Bankruptcy Relief in Huber Heights You Can
Wipe Out Debt, Keep Your Property & Rebuild Your Credit
Are you a Huber Heights, Ohio resident who is burdened with debt? Start here for an explanation on Bankruptcy options.
Chapter 7 Bankruptcy
Personal Chapter 7 Bankruptcy Attorney
Last year was a tough year for many in Huber Heights Ohio, and thousands of families and individuals filed for Chapter 7 and Chapter 13 bankruptcy protection in the Dayton Bankruptcy Court, which is where all Huber Heights Ohio bankruptcy cases are filed.
Most of the Huber Heights cases were Chapter 7 bankruptcy cases.
Chapter 7 is the most frequently used bankruptcy chapter in Huber Heights Ohio. You should know that if your income, based on your family size, is under the median income for Huber Heights, you are exempt from the means test in bankruptcy.
More than 50% of families in Huber Heights probably qualify for Chapter 7 Bankruptcy. So if your finances are in trouble, you owe it to yourself to look into Chapter 7 bankruptcy.
Far from being a sign of failure, Chapter 7 bankruptcy is a dignified, legal way to wipe out debts, keep your property, and rebuild credit. And, Richard West is a certified credit counselor who has developed a proven program for credit rebuild.
Contrary to common belief, you should not lose property or end up with poor credit or no credit when you file Chapter 7 Bankruptcy. In fact, our clients get back on track, with good credit, faster than they thought possible in most cases.
Chapter 13 Bankruptcy
Personal Chapter 13 Bankruptcy
Did you know that Chapter 13 Bankruptcy is the most powerful and flexible debt relief option available? Most people don’t. The truth is that many more people should file Chapter 13 bankruptcy than do. This is because too many of those who qualify for Chapter 7 Bankruptcy also qualify for Chapter 13, but don’t consider the Chapter 13 Bankruptcy options.
This is a shame. And I speak with many who come to me after being recommended to file Chapter 7 bankruptcy who should not. Instead, they reaffirm on their cars at sky-high interest rates. They could have saved thousands of dollars if they file Chapter 13 Bankruptcy.
Unlike Chapter 7 bankruptcy, a Chapter 13 bankruptcy offers a way to catch up on missed car payments, and missed house payments.
Even if you have fallen behind, there’s no need to lose your home or car. You have another way to approach the problem. Chapter 13 can stop foreclosure or repossession. Chapter 13 gives you up to 5 years to get back on track.
Credit rebuilding is actually possible while you are in Chapter 13. You can be getting out of debt and, with our unique credit rebuilding program, you can actually rebuild your credit at the same time.
Debt Settlement & Debt Negotiation
Lots of people don’t know the risks that come with a debt settlement. The worst part is that it can potentially tarnish your credit for years, but not everyone knows about this. Here are some things you should consider before deciding to settle your debts:
While debt negotiation can be an effective way to settle your debt, it has many risks that most don’t know about. Often, it will damage damaging a person’s borrowing power for a long time, and make it impossible to later borrow money from financial institutions.
Compared with filing bankruptcy where you pay nothing back to your creditors, settling will have more negatives than positives because of how much worse off one would be financially after negotiating versus going through Chapter 7 or Chapter 13 bankruptcy.
The Cost of a Huber Heights Bankruptcy Attorney
It’s true. You get what you pay for. When you are looking for the best bankruptcy lawyer for your financial problems, think of it as an investment in your credit future.
We have all tried to save money, and it backfired on us. We we end up paying more than we would have if only we had spent the right amount in the first place.
It’s foolish to try to save a few dollars by hiring a cut-rate, bargain-basement attorney for something this important. Something you will do once in your life.
Unbelievably, there are attorneys who intentionally advertises themselves as offering “cheap” legal services. If they charge cheap rates, what can you expect the quality of their representation and preparation to be?
Nobody in their right mind would choose the “cheap” heart surgeon? Don’t make this mistake.
Our professional services are time-tested and we have a 35 year track record of success. And, we offer payment plans to help you afford the legal services you need, so you’ll get the results that will pay off with your success.
This is too important to risk. We’re not the cheapest, nor the most expensive. And, although we don’t advertise for it, in some cases, we will even accept your case for no money down. You need quality, and we’ll help you to afford it.
Source of Debt in Huber Heights
Nearly a third of consumers have some kind of medical bills, and nearly 30% owe over over $10,000! If your medical bills cause you to struggle financially, you’re not alone. Not having insurance is an instant disaster, but having insurance does not ensure that you won’t be devastated by even one trip to the emergency room.
Student Loan Debt
This is a HUGE problem in for Huber Heights residents. The temporary pause on student loans is ending, and this will put more pressure on budgets than many can handle. This will result in default, and these defaults will show up on your credit report, lowering your score. Even though bankruptcy is not a solution for student load debt in most cases, by erasing other debts, you may find it easier to make payments on student loan debt.
Credit Card Debt
Credit cards can easily get out of hand. They are convenient lines of credit and in some cases can get you through temporary tough times.
But, it’s too easy to get into trouble with credit card debt. Add a few cash advances on credit cards, to a couple of balance transfers and you may have more than you can handle.
Credit has never been easier to get, and in the U.S., the amount of consumer credit debt continues to grow. Easy credit turns into difficult decisions you need to make to get out of debt. When you have more than you can handle, bankruptcy may be the best solution.
Even though we all dream of home ownership, trying to do too much, too fast, can be a recipe for financial stress and hardship.
Although interest rates are at historic lows and the market is hot, too many families are rushing to get a home before they should. This is especially dangerous for first time home buyers who don’t recognize that the additional costs of home ownership on top of the mortgage, interest, taxes and insurance.
They tend to borrow more than they can comfortably handle, and have no “cushion” for these other expenses. When this happens, they sink further into debt, charging repairs and things they need for the house on credit cards.
The last thing anyone wants to see is a lawsuit in the mailbox. Creditors have stopped working with customers like they used to, so we are seeing a significant increase in collection lawsuits.
Once you get sued, the result is almost always a judgment against you. Armed with a judgment, the creditor will use “all legal methods” against you to collect the debt. Collection actions include garnishment, liens and repossession and foreclosure. Often, filing Chapter 7 or Chapter 13 bankruptcy is necessary to protect your income and personal property and end the lawsuits and collections.
Sources of Debt
What They Can Claim
What They Can Cause
Protection Against Aggressive Crditors
You have rights under Federal and State Law. You do not have to put up with harassment and collections, rude telephone calls and creditor lawsuits. We can help you put an end to all of this.
Your financial future and peace of mind are at stake. Being in debt can be a difficult burden to carry on your shoulders, but it doesn’t have to stay that way! I’ve been there before you know how this feels – because my own journey through creditor abuse and collection tactics.
You deserve better than feeling paralyzed and powerless – don’t let anxiety over money ruin any more moments with friends or family members who love you!
Types of Debts Discharged in Bankruptcy
Nearly all common types of debt are eliminated in a bankruptcy case. Some are not. Mostly debts you would expect, most taxes, child support debt, and student loans.
Credit card debt – Credit card debt is probably the single most commonly encountered reasons for filing Chapter 7 or Chapter 13 bankruptcy.
The fact is that you have probably paid the credit card companies a lot more than you have purchased over the years. When you add up all the high interest rates, late fees and over-limit fees you’ve paid, it’s often more than two times what you bought!
Worried you’ll never be able to get credit if you file bankruptcy? You needn’t worry, you WILL be able to get new credit cards. In fact, turs out that filing bankruptcy on your credit cards is often the beginning of better credit.
Medical bills – This is second only to credit card debt. Health insurance today is not what it once was, and even if you have it, the high deductibles can spell financial disaster for anyone.
Filing bankruptcy on medical debt is on the rise, and for good reason. But don’t worry that you won’t be able to get medical treatment if you file bankruptcy on medical debt. You’ll always be able to go to the emergency room if you need to.
Personal loans – Personal loans are as close as a check in the mail for most of us. Seems like you can’t get away from them. The finance companies like One Main, Mariner, Tracir, as well as the online loan companies, like BestEgg, Sofi, and Lending Tree all want to loan you money, at 24.99% interest. These loans are easy to get and hard to pay off.
And, all of these personal loans can be discharged in bankruptcy.
Cash advance loans – The worst kinds of loans you can get are the cash advance loans. With interest rates of over 300%, they almost always spell disaster.
Fear not! You can discharge these cash advance loans in bankruptcy. And don’t worry if you have signed an application that says you won’t file bankruptcy. I have discharged thousands of these loans, and have never failed to discharge a cash advance loan.
Foreclosure and repossession deficiencies – When your home is foreclosed on or your vehicle is repossessed, you will almost certainly be sued for the “deficiency.” In foreclosure cases it is mandatory, and in repo cases it always happens. And, these debts are discharged in bankruptcy.
And, after suing you, the creditors will “park” the debt on your credit report. The harm caused by the credit report entry is often overlooked, however, but it costs you thousands of dollars due to the low score you have as a result.
You have the Federal System at your disposal to wipe these debts. Serious solutions for serious debt problems. These collections can be extremely aggressive. Wage and bank account garnishments are on the rise. Filing Chapter 7 or Chapter 13 can protect you from these aggressive collection tactics.
Rebuild Your Credit
A common misconception many people have is they believe if they file Chapter 7 or Chapter 13 bankruptcy in Huber Heights Ohio that they will have bad or no credit for years.
Unfortunately for many, this is indeed the case. But not our clients.
As a certified credit counselor, and because I had to restore my own credit after insolvency, I have designed an effective, practical program that helps you to rebuild credit quickly after discharging debt in bankruptcy.
It makes sense when you think about it. If you wipe out your debt, you create a “clean slate” which is a perfect beginning for most people to rebuild their credit.
It’s proven program that really works! Time tested with thousands of our clients. The process is simple and straightforward. It takes you step by step, from wherever you are to a good credit score in about one year.
Nearly every one of our clients who follow this simple, yet powerful program, end up with credit scores of 650 – 700 within a year of their bankruptcy being over, or even while they are still in their Chapter 13 bankruptcy. These are actual, typical results. Some do even better!
When Choosing A Bankruptcy Attorney in Columbus
When looking to file for bankruptcy attorney near me, be wary of cheap bankruptcy attorneys in Huber Heights. Cheap lawyers often come from “bankruptcy mills” that will take your money and not do a good job explaining the process. Be sure you find an experienced attorney who is well versed in Columbus Bankruptcy Law so they can give you accurate advice before filing instead of finding out after it’s too late! $500 bankruptcy attorneys can hurt you years down the line and then it will be too late.
At our law firm, we know that every case is different and will be handled with utmost care. This can only happen if you have a knowledgeable team on your side–that’s why we offer affordable services to all of those who retain us for their cases.
How a Huber Heights Bankruptcy Attorney Can Help.
You need Expertise, Compassion, A Proven Track Record, Trusted by Thousands.
Being hounded by creditors in Huber Heights Columbus Ohio is not a good place to be. If you live in Huber Heights, your bankruptcy would be filed in the Dayton Bankruptcy Court. In 2020, there were nearly 3,000 bankruptcy cases filed, and that number is expected to increase as our economy is still struggling.
While there are many attorneys in Huber Heights, 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.
You need to review a number of factors to endure you get the best option for debt relief. Richard West knows that bankruptcy is a good option for many, but, it could spell disaster for some. It’s not for everyone.
Because he is also a certified debt specialist, and has successfully negotiated hundreds of debts without filing bankruptcy, he can advise you which is best, debt settlement, or bankruptcy.
Whether or not you need to file bankruptcy, or use a non-bankruptcy approach, your best approach is to hire the right attorney for the job. You want one who is a true specialist for the problem you now need to solve.
This is the common sense approach. We all know that when we have a serious problem, we should have a specialist to guide us. Getting the right solution to your difficult debt problem is essential to your future, and will have lasting and profound effects on your financial situation for years to come.
You can’t afford to place your future in the hands of anyone less than the best. You’ll do this one time, so make sure you get this right, the first time.
Thousands of families in Huber Heights area have trusted their financial recovery to Richard West.
You can too.
What Our Clients Say
We Service the Following Cities and Communities near Huber Heights, Ohio.
Ready? Get on the Road to Bankruptcy Recovery
We are still open for remote filing in Huber Heights 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.