Chapter 13 Bankruptcy Lawyer in Cincinnati, OH

If you’re facing overwhelming debt but want to protect your assets, Chapter 13 bankruptcy may be the right solution for you. At Amourgis & Associates, Attorneys at Law, our Cincinnati Chapter 13 bankruptcy lawyers are committed to helping individuals reorganize their finances and secure a stable future. We provide personalized legal guidance to help you create a manageable repayment plan that fits your financial situation.

What is Chapter 13 Bankruptcy?

Chapter 13 bankruptcy, also known as a “wage earner’s plan,” allows individuals with a steady income to develop a 3 to 5-year repayment plan to pay off their debts. Unlike Chapter 7, which involves liquidating assets, Chapter 13 enables you to keep your property while restructuring debt payments. This option is ideal for individuals who:

• Have regular income and can commit to a repayment plan.
• Want to prevent foreclosure on their home.
• Need relief from overwhelming debt but don’t qualify for Chapter 7.

Benefits of Filing for Chapter 13 Bankruptcy in Cincinnati

Filing for Chapter 13 bankruptcy offers several advantages, including:

• Debt Consolidation – Combine multiple debts into one structured repayment plan.
• Asset Protection – Keep your home, car, and other valuable assets.
• Foreclosure Prevention – Stop foreclosure proceedings and catch up on missed mortgage payments.
• Stop Wage Garnishment & Creditor Harassment – Immediately halt collection efforts through an automatic stay.
• Lower Monthly Payments – Reduce debt payments to a more manageable level based on your income.

How Our Cincinnati Chapter 13 Bankruptcy Lawyers Can Help

Navigating bankruptcy laws can be complicated, but our skilled bankruptcy attorneys in Cincinnati will guide you every step of the way. We offer:

• Free Initial Consultation – Discuss your financial situation and explore your options.
• Personalized Debt Repayment Plans – Tailored solutions to fit your budget.
• Legal Protection from Creditors – Ensure compliance with bankruptcy laws while safeguarding your assets.

Eligibility Requirements for Chapter 13 Bankruptcy

To qualify for Chapter 13 bankruptcy in Ohio, you must:

• Have regular income sufficient to make monthly payments.
• Have secured and unsecured debts below the legal limits set by bankruptcy law.
• Be up to date on tax filings for the last four years.

The Chapter 13 Bankruptcy Process in Cincinnati

1. Free Consultation – Meet with our bankruptcy lawyer to evaluate your case.
2. Filing the Petition – Submit required documents to the bankruptcy court.
3. Automatic Stay – Stop foreclosure, repossession, and creditor harassment immediately.
4. Debt Repayment Plan – Create and submit a payment plan to the court.
5. Court Approval – The bankruptcy trustee and court review and approve your plan.
6. Make Payments – Follow the structured repayment plan over 3-5 years.
7. Debt Discharge – Remaining eligible debts are discharged upon completion.

Get Debt Relief Today – Contact Our Cincinnati Bankruptcy Attorneys

If you’re struggling with debt and need a Chapter 13 bankruptcy lawyer in Cincinnati, OH, our legal team is here to help. We’ll assess your financial situation and develop a strategic plan to get you back on track. Call us today for a free consultation and take the first step toward financial freedom!

Call Amourgis & Associates, Attorneys at Law at (513) 826-4408 or schedule your consultation online now!