Accomplished Bankruptcy Attorney Serving Southern Ohio Families
Struggling With Debt? Let Us Help
At Cope Law Offices, LLC, you will receive one-on-one service from an attorney who has handled thousands of bankruptcy cases and is dedicated to your needs.
Free Bankruptcy Evaluation
Questions About Bankruptcy Law in Ohio?
Get answers from a Dayton bankruptcy attorney.
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.
What property can I keep in Chapter 7 Bankruptcy?
Ohio laws provide an extensive list of property exemptions to be used in bankruptcy.
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.
Am I personally liable for the debts of my business?
It depends on several factors. To find out more, head over here.
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.
What to Expect When You Meet With Our Firm
You will meet one-on-one with an attorney. We will discuss your debts, assets, income and relationships in order to find a solution to your financial problems. We are one of the largest bankruptcy filers in southern Ohio, but meeting with us does not necessarily mean you are going to file for bankruptcy. Meeting with us means you’ll receive professional advice about how best to deal with your debts. We will only recommend bankruptcy where we believe it is the best solution for you and your family based on the totality of the circumstances.
Personalized Debt Relief Solutions
If you are overwhelmed by debt, you may feel as though no one can help you. However, there is help available, and the sooner you take advantage of it, the sooner you will find debt relief solutions. Speaking with a knowledgeable bankruptcy attorney is an easy first step toward retaking control of your finances.
At Cope Law Offices, LLC, you will receive one-on-one service from an attorney who has handled thousands of bankruptcy cases. You will meet your attorney at your initial consultation and work with him throughout the process, receiving experienced counsel and exceptional client service. To schedule a free initial consultation with a Dayton bankruptcy lawyer, please call 937-401-5000, or contact us online.
What Our Clients Are Saying
“I had an excellent experience with this firm. They were very respectful of my time and of my situation.”
Jason (Google)
“Russ Cope spent individual time with us and took the effort to explain things and answer all of our questions.”
Paul (Avvo)
“Mr. Cope and his staff were always patient with my questions despite my lack of any legal knowledge prior to retaining him.”
CC (Avvo)
Focused on Bankruptcy Law
Founded by bankruptcy attorney Russ Cope, our practice is focused solely on bankruptcy representation. Lawyers who include bankruptcy in a multi-practice firm may lack the knowledge necessary in this complex area of law. Bankruptcy is not something that should be practiced as an aside. Too many people have received bad advice from attorneys who do not fully understand bankruptcy and its implications on foreclosure, employment, divorce and assets.
We provide experienced representation for Chapter 7 and Chapter 13 bankruptcy as well as small-business bankruptcy. We will review your finances and make suggestions based on your goals. Meeting with us is a first step towards financial rehabilitation, but it does not mean you are necessarily going to enter the bankruptcy system. In many cases, we recommend bankruptcy alternatives for our clients. If you do choose to file, you will receive the protection of the automatic stay, a court ordered injunction that prevents creditors from contacting you or attempting to collect while your case is pending.
Ohio Bankruptcy Update: The Buckeye State Increases Protection For the Homestead
As of March 27th, Ohio’s homestead exemption increased to $125,000. In prior years, the Ohio legislature only allowed $21,625 of equity in a home to be protected from creditors. Learn more about Ohio’s homestead exemption here.
What is the Cost of Bankruptcy in Dayton?
Regardless of where you’re located in Ohio, the cost of filing a bankruptcy case is the same. Filing fees for chapter 7 bankruptcy are $335 and filing a chapter 13 costs $310. These fees are paid to the Bankruptcy Court and do not include the cost of hiring a bankruptcy lawyer.