Cleveland Bankruptcy Lawyer – Get a Fresh Financial Start
Are you struggling with overwhelming debt in Cleveland, OH? Are you worried about creditor harassment, foreclosure, or wage garnishments? You’re not alone. At Amourgis & Associates, Attorneys at Law, we understand how financial difficulties can impact your life. Our experienced Cleveland bankruptcy lawyers are here to help you take control of your future and find the best path to debt relief.
Bankruptcy can help you eliminate debt, stop creditor calls, and protect your assets. Whether you need Chapter 7, Chapter 11, or Chapter 13 bankruptcy, our skilled attorneys will evaluate your situation and guide you through the legal process. Contact us today at (216) 706-0078 or fill out our online form for a free consultation and start rebuilding your financial future.
Types of Bankruptcy We Handle in Cleveland
Chapter 7 Bankruptcy – Liquidation Bankruptcy
Chapter 7 bankruptcy allows individuals to eliminate unsecured debts like credit card balances, medical bills, and personal loans. While some assets may be liquidated, many people can keep essential possessions, including their home and vehicle. Our Cleveland bankruptcy attorneys will help you determine if you qualify for Chapter 7 under the Ohio Bankruptcy Means Test.
Chapter 13 Bankruptcy – Debt Repayment Plan
Chapter 13 is ideal for individuals with steady incomes who want to catch up on past-due debts, including mortgages and car loans, while protecting their assets. Under Chapter 13, you’ll create a court-approved repayment plan lasting three to five years, after which remaining eligible debts may be discharged.
How to File for Bankruptcy in Cleveland, OH
Filing for bankruptcy involves several key steps. Our Cleveland bankruptcy lawyers will guide you through the entire process, including:
- Evaluating your financial situation to determine the best bankruptcy option
- Gathering necessary documentation (income records, debt statements, and asset details)
- Completing mandatory credit counseling
- Preparing and filing bankruptcy petitions with the Ohio bankruptcy court
- Attending the required trustee meeting
- Ensuring compliance with all legal requirements for a successful discharge
Debt That Can Be Eliminated in a Cleveland Bankruptcy
When you go through bankruptcy, most types of debts can be discharged, including:
- Most lawsuits and garnishments
- Credit card debts
- Medical bills
- Utility bills
- Repossessions
- Loans (including “payday” loans)
- Driver’s license suspensions and reinstatement fees
- Foreclosures
- Mortgages and mortgage loan deficiencies
- Tax debts
- Judgments and liens
Some debts, such as student loans, child support, and alimony, typically cannot be discharged. Our attorneys can help you explore all available options.
Understanding the Ohio Bankruptcy Means Test
The Ohio Means Test determines whether you qualify for Chapter 7 bankruptcy. If your income falls below the Ohio median, you may be eligible. If your income is higher, you may still qualify by demonstrating that your disposable income is insufficient to repay debts. Our lawyers will assess your financial standing and recommend the best course of action.
Bankruptcy Myths & Facts
Myth: Filing for bankruptcy will permanently ruin my credit.
- Fact: While bankruptcy initially affects your credit, it provides a fresh start and allows you to rebuild your score over time.
Myth: You must be unemployed to file for bankruptcy.
- Fact: Bankruptcy is available to both employed and unemployed individuals who need debt relief.
Myth: You’ll lose everything if you file for bankruptcy.
- Fact: Many assets, including homes and cars, are protected under Ohio exemption laws.
How Our Cleveland Bankruptcy Lawyers Can Help
When you work with Amourgis & Associates, Attorneys at Law, you gain a dedicated legal team that will:
- Provide personalized debt relief solutions
- Help you stop foreclosure, repossession, and wage garnishment
- Ensure compliance with all bankruptcy court requirements
- Represent you in creditor negotiations and court hearings
- Guide you through the post-bankruptcy rebuilding process
Our firm is committed to helping Cleveland residents regain financial independence. Don’t wait—contact us today for a free consultation and take the first step toward a debt-free future.
Call (216) 706-0078 or fill out our online form to schedule your consultation today!
