Experienced Cincinnati, Ohio, Chapter 13 Bankruptcy Attorneys
Serving Southwest Ohio and Northern Kentucky
The financial circumstances of millions of Americans have changed. Often, real property is worth a fraction of current loans. Income may have decreased. And interest rates, once manageable, may have skyrocketed through ARM adjustments and credit card default rates.
If your financial circumstances surrounding your debt obligations have changed, now may be the time to take action through Chapter 13 bankruptcy. If you are struggling with significant debt, Chapter 13 bankruptcy may be able to provide:
- Immediate and lasting protection from creditors
- A way to drastically reduce your debt
At the Cincinnati law firm of Zingarelli and Lawrence, we have handled hundreds of Chapter 7 and Chapter 13 bankruptcy cases, and can provide experienced Chapter 13 legal help.
Are you having difficulty repaying your debts? Are you in danger of losing your home or car? Contact lawyers Nick Zingarelli and Justin Lawrence at 513-277-0816 or 859-525-1160 for Chapter 13 bankruptcy legal help.
Chapter 13 bankruptcy can provide fast and effective solutions to financial challenges. For instance:
- Chapter 13 provides immediate protection from home foreclosure. Once you file, lenders stay their foreclosure actions, allowing you some breathing room to continue payments.
- If you are being harassed by creditors, Chapter 13 offers an automatic stay for three to five years. After the repayment plan period is complete, many of your debts will have been eliminated or repaid.
In addition, Chapter 13 may allow you to:
- Catch up on your delinquent mortgage payments without paying interest
- Catch up on your tax liabilities in an interest-free and penalty-free environment
- Catch up on your child support obligations
- Pay off your car for what it is worth instead of what you owe, and at a significantly lower interest rate
- Repay unsecured creditors like credit card companies, utility companies and medical providers at a rate you can afford
At the law firm of Zingarelli and Lawrence, we work with Chapter 13 bankruptcy laws to provide a total solution to your financial problems. The frequent result? The elimination of debt, including second mortgage and judgment liens, for less than their full value. For more information, contact our firm.
Contact Us
For experienced Chapter 13 bankruptcy legal services, contact our office. We are available for weekday, evening and weekend appointments, are conveniently located one and a half blocks from the Hamilton County Justice Center, and offer no-obligation initial consultations. To contact us, call 513-277-0816 or 859-525-1160.
