Cleveland Chapter 7 Bankruptcy Attorney

Bankruptcy Attorney in Beachwood, Ohio

Experienced Counsel When You Are Considering a Chapter 7 Bankruptcy

overdueIf you have substantial credit card debt or unpaid medical bills, have been laid off from your job or are facing foreclosure on your home, a Chapter 7 bankruptcy filing may be what you need to stop garnishment proceedings, threatening phone calls and letters, foreclosure proceedings and lawsuits. Because the bankruptcy laws changed in 2005, making it more difficult to qualify for protection under Chapter 7, you want an experienced lawyer to help you determine whether you meet the requirements and protect your interests throughout the process.

  • Credit Card Debt
  • Medical Bills
  • Utility Bills
  • Lawsuits
  • Wage Garnishment
  • Home Foreclosure
  • Car Repossession
  • License Suspensions
  • Bank Levies
  • Real Estate Liens

At the Law Office of Philip Fine, in Beachwood, I have 47 years of practice experience, including all issues related to child support, child custody and visitation. 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 take great care to keep you constantly informed, so that there are no surprises. Contact my offices to arrange a free initial consultation.

Is Chapter 7 Right for Me?

In a Chapter 7 bankruptcy proceeding, you have the opportunity to discharge certain debts in exchange for the sale or liquidation of non-exempt assets. If you qualify for protection under Chapter 7, I will make certain that you understand which obligations, such as child support arrearages, student loan payments and certain taxes, cannot be discharged. I will also confirm that all exempt assets, including your primary residence and vehicle, are excluded from sale in the bankruptcy proceeding.

To qualify for protection under Chapter 7, you must submit to a means test, which determines whether you have the financial resources to repay your creditors over a 3 to 5 year period. I know how this process works and will walk you through the test before you file, so that you have confidence that your Chapter 7 petition will be granted. If my analysis indicates that you will likely fail the means test, I can help you file and obtain relief under Chapter 13 .

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.