Cleveland Chapter 13 Bankruptcy Lawyer

Ohio Bankruptcy Attorney: Chapter 13

Protecting the Rights of People throughout Cuyahoga County

If you are gainfully employed with a good job, but can't seem to get a handle on your personal finances, a Chapter 13 bankruptcy filing may give you the relief you need to get your finances in order and get a fresh start. You want an experienced bankruptcy lawyer, one who understands the details of the different bankruptcy options and can help you make informed decisions as you move through the process.

At the Law Office of Philip Fine, in Beachwood, I have 47 years of practice experience handling a wide range of legal matters, including Chapter 13 bankruptcy filings. I place a high priority on personal service, working hard to make certain I am available to when you have questions or concerns. I believe attaining results is about planning and I take great care to keep you constantly informed, so that there are no surprises. Contact my office to arrange a free initial consultation.

The Chapter 13 Trustee recently acknowledged the Law Office of Philip Fine for having achieved an extremely high percentage of Chapter 13 case confirmations. For the year 2007, the confirmation rate was 100%, which was well above the 74% average for this jurisdiction. This confirmation rate places Mr. Fine among those Cleveland area Chapter 13 practitioners having the highest rate in the Northern District of Ohio.

Is Chapter 13 Bankruptcy Right for Me?

If you fail to qualify for a Chapter 7 (liquidation) bankruptcy because the bankruptcy court determines that you have the means to repay your creditors, or if you prefer to fully repay your obligations rather than discharging debts by selling assets, I can help you stop wage garnishment, harassing phone calls and letters, foreclosure proceedings, and lawsuits by filing for protection under Chapter 13 of the federal bankruptcy laws.

In a Chapter 13 proceeding, you restructure your debts and enter into agreements to repay your creditors over a 3 to 5 year period. During that period, an automatic stay is in effect, prohibiting your creditors from contacting or harassing you to get you to change the terms of your agreement. If, however, you agree to a new repayment plan, but fail to abide by your new agreement, you can lose all the protections afforded by the bankruptcy laws.

When I handle your Chapter 13 bankruptcy filing, I will help you complete all the necessary paperwork, will make certain you have met all filing requirements, and will act as your advocate with the bankruptcy court and with your creditors.

Contact Me

For a free initial consultation with an aggressive Ohio lawyer, contact me or call me at 216-591-1455. My office is open Monday through Friday, from 9 am until 5 pm, and Saturday mornings by appointment. I will make special arrangements to meet with you in the event of an emergency. I charge affordable rates and offer payment plans.