Providing Chapter 13 Support, Education And Information

I am Robert E. Bardwell, Jr., Attorney at Law. I have been a Chapter 13 bankruptcy attorney in the Columbus and Hilliard areas since 1988, and I have been involved in debtor/creditor rights since 1974. My extensive experience in this area allows me to effectively advise clients throughout central Ohio about their debt relief options under Ohio and federal law.

Officially called "Adjustment of Debts of Individuals with Regular Income," Chapter 13 is often referred to as "wage earner" or "reorganization" bankruptcy. This type of bankruptcy allows individuals to create structured, interest-free repayment plans to repay their creditors some or all of their debts over a three- to five-year period.

Chapter 13 is available to individuals (not corporations or partnerships) who have regular income and whose noncontingent, liquidated unsecured debts are less than $307,675 and whose secured debts are less than $922,975.

The Benefits Of Filing Chapter 13 Bankruptcy

Filing bankruptcy will put an automatic stay into effect. In turn, this automatic stay will immediately stop creditor harassment, wage garnishments and judgment proceedings against you. In addition, bankruptcy can help you get out from under a variety of different debts, including:

One of the greatest benefits of Chapter 13 is the ability for debtors to keep property — such as houses or cars — that they would otherwise lose. Chapter 13 provides a way to pay the past-due amount owed on home and car loans, allowing many people to avoid foreclosures and car repossessions. In addition, it can allow you to eliminate second mortgages such as home equity lines of credit (HELOC) through a process called "lien stripping."

Talk To A Hilliard Attorney For Foreclosure Defense, Lien Stripping And More

To learn more about your debt relief options and how a lawyer can be of assistance, schedule a free financial evaluation at my Hilliard or Columbus office. Simply call 614-907-3665, or contact me online. Evening and weekend appointments are available by request.

†The firm is a debt relief agency and helps people file for bankruptcy relief under the Bankruptcy Code.