Bankruptcy Legal Services in Cincinnati, Southwest Ohio and Northern Kentucky
Two culprits contributing to many individuals' and families' financial problems are payments owed to credit card companies and health care providers. Bills from hospitals, clinics, specialists, emergency rooms and dental offices can add up quickly, overwhelming incomes. Unpaid medical bills and credit card bills may be severely hampering your ability to pay for your car or home, or to build a credit rating or debt-to-income ratio that will allow you to qualify for a home mortgage.
Fortunately, there is a fast and effective legal tool that may be available to eliminate or sharply reduce your medical expenses and credit card debt obligations - Chapter 7 and Chapter 13 bankruptcy protection.
How? Both bankruptcy types offer processes designed to reduce non-secured debt like credit card and medical bill debt:
- Chapter 7 bankruptcy allows for the sale of non-exempt property to pay down debt. Property like a home and vehicle are often exempt from sale.
- Chapter 13 bankruptcy allows for a repayment plan based on your debt and on your income. Once the repayment process is complete, the debt addressed in the plan is considered paid.
Both plans often allow for a very low repayment level. Chapter 13 may allow your unpaid medical bills and credit card bills to be considered paid after you've paid back just a relatively small percentage.
Don't struggle hopelessly to repay crushing debt loads at high or inflated interest rates. Instead, contact a lawyer who has handled hundreds of bankruptcy claims. Contact attorney Nick Zingarelli or Justin Lawrence of the Cincinnati law firm of Zingarelli and Lawrence.
Contact Us
For experienced legal help in reducing or eliminated credit card and medical expense debt through bankruptcy, contact our law 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 859-838-6061.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
