Bankruptcy Lawyer in Northeast Ohio
Chapter 7 and Chapter 13 Filings
If you are struggling to meet your financial obligations, a bankruptcy filing under Chapter 7 or Chapter 13 can help you stop creditor harassment and get a fresh start. The bankruptcy laws have changed, though. You want an experienced and knowledgeable attorney to guide you through the newer processes, so that you get the relief you need.
At the Ciccone Law Office, in Boardman, we handle all matters related to consumer bankruptcy for individuals in Youngstown, Warren and the surrounding communities. We understand that anybody can face hard times, whether because of the loss of a job, unexpected medical expenses, divorce or other circumstances. We provide comprehensive counsel, helping you address your immediate concerns while taking the necessary steps to avoid problems in the future.
To schedule a consultation, contact our office or call us at 330-758-4330 (toll-free at 888-758-4330).
Our Consumer Bankruptcy Practice
We handle all matters related to a Chapter 7 or Chapter 13 bankruptcy proceeding, preparing and filing all documentation required throughout the process and acting as your advocate in all meetings or hearings with creditors, the bankruptcy trustee, or the court. We will carefully explain the differences between a Chapter 7 and a Chapter 13 bankruptcy, and will also help you explore alternatives to bankruptcy, when appropriate.
Under the recent revisions to the bankruptcy laws, you must now qualify to permanently discharge debts under Chapter 7 by submitting to a "means test." We will gather the information necessary to run a means test, so that you know whether you have that option. If you choose to file under Chapter 7, we will make certain you understand before you file which debts may be discharged and which may not. We will also oversee the bankruptcy sale to make certain that exempt assets are protected.
If you fail to qualify for a Chapter 7 filing or want to save your home, we will help you enter into debt reorganization under Chapter 13. We will help you put together a plan of reorganization and will review any proposed repayment plans from your creditors to ensure they are within your means.
We also handle adversarial proceedings in bankruptcy, representing parties in cases involving allegations of fraud or other financial misdealings. If we cannot represent you directly, we will refer to someone who can.
Contact the Ciccone Law Office, LLC
Contact us or call us at 330-758-4330 (toll-free at 888-758-4330) to set up an appointment.