• Can I keep my home and file bankruptcy?

    In most cases, yes. Ohio’s homestead exemption allows married debtors to protect up to $250,000 of equity.

  • Can I eliminate credit card and medical debts?

    Yes, Chapter 7 bankruptcy discharges unsecured debts, such as Visa bills.

  • How long will my bankruptcy case last?

    Chapter 7 bankruptcy usually lasts between 4-6 months, Chapter 13 between 3-5 years.

  • Can creditors call me during bankruptcy?

    No. A federal court order known as the automatic stay prevents creditors from contacting you.

  • Does my husband or wife have to file with me?

    No. Married couples can file individually, although the wisdom of this hinges on whether you have joint debts.

  • Can bankruptcy stop wage garnishment?

    Yes. The automatic stay which will stop all collection actions against you for the duration of the bankruptcy.

  • How much will bankruptcy lower my credit score?

    The lower your score, the less points you’ll lose for filing for bankruptcy and vice versa.