Cincinnati Bankruptcy and Debt Relief Services

When debt leads to seemingly insurmountable financial problems, you need experienced legal help from bankruptcy lawyers who are committed to addressing your full range of debt-related problems.

At Zingarelli Law Office, our Cincinnati bankruptcy lawyers offer total solutions by addressing a broad range of issues that can result from unmanageable debt. With offices in downtown Cincinnati, Hyde Park, and West Chester, Ohio, our service area includes all of southwest Ohio and northern Kentucky.

Our bankruptcy services cover Chapter 7 and Chapter 13 bankruptcy, as well as Chapter 11 bankruptcy and alternatives to bankruptcy for individuals, families and small businesses.

Our comprehensive debt relief solution services also include assistance with home foreclosure, stopping and preventing garnishment, stopping creditor harassment, stopping repossessions and utility disconnections, as well as help managing debts like medical billscredit card debts and student loans.

Finally, our attorneys also offer assistance to clients in Ohio and Kentucky who are facing divorce and bankruptcy.

Contact Zingarelli Law Office today for a free consultation and take the first step toward a brighter financial future. Or read more about our extensive bankruptcy and debt relief services.

Personal Bankruptcy

The Cincinnati-based attorneys of Zingarelli Law Office offer full service bankruptcy representation throughout Hamilton County, southwest Ohio, and northern Kentucky. For a person filing bankruptcy, the debt relief process does not have to be compli… Read More

Chapter 7 Bankruptcy

Are creditors harassing you? Are you unable to make your debt payments? Do you wish to become current on student loans, your home mortgage or income tax debt, but need to instead pay credit card companies and other creditors? When debt becomes over… Read More

Chapter 13 Bankruptcy

Are you having difficulty repaying your debts? Are you in danger of losing your home or car? The financial circumstances of millions of Americans have changed. Often, real property is worth a fraction of current loans. Income may have decreased. And… Read More

Property Exempt from Bankruptcy

The bankruptcy laws allow people to keep large amounts of property out of the reach of creditors. In fact, most people are able to keep all of their property. The exceptions are usually those items for which the filer has a large loan obligation such… Read More

Retirement Accounts and Bankruptcy

Many people who are considering filing bankruptcy hesitate out of fear that they will lose everything. You should not surrender to this fear. The funds you have in your 401(k), IRA, pension plan and 403(b) accounts cannot be taken by creditors. Your… Read More

Tax Debts and Bankruptcy

Tax debts loom large. In Ohio, the Internal Revenue Service (IRS) and state tax agencies are aggressive. They will not hesitate in obtaining a tax lien against you. If you have overdue tax debts, you need sound legal advice and effective representati… Read More

International Assets and Bankruptcy

When you file bankruptcy, creditors have the right to claim your non-exempt assets in satisfaction of your debts. This includes assets held overseas such as a vacation home, time share, inheritance, real estate or bank accounts. If you have signific… Read More

Debt Consolidation Companies vs. Bankruptcy

Debt consolidation companies promise financial freedom and debt relief without resorting to bankruptcy, but there are many pitfalls to this approach. Before you sign on with a debt consolidation agency, take time to learn about your options. It coul… Read More

Can I File for Bankruptcy a Second Time?

Some people file bankruptcy more than once, because of their circumstances or by choice. There are no penalties involved, and in most cases you are not subject to substantially different conditions the second or third time around just because you ha… Read More

Emergency Bankruptcy Filings

At Zingarelli Law Office, we will take the time needed to review your situation, describe the bankruptcy process and explain the cost of our services. We encourage potential clients to think it over first before retaining our firm. There are times… Read More

Life After Bankruptcy

At Zingarelli Law Office, clients often ask us what they can expect after bankruptcy. We can’t promise that your life will become a bed of roses after your bankruptcy filing. What we can say is that you can have greater cash flow, relief from cre… Read More

Business Bankruptcy

Current economic conditions have hit small businesses particularly hard. Further, the Affordable Care Act — or “Obamacare” — has placed a burden on small businesses to provide health insurance for their employees. When revenues decline and co… Read More

Chapter 11 Bankruptcy for Small Businesses

Chapter 11 bankruptcy is a type of bankruptcy available to both individuals and businesses, but often is used by companies to restructure and keep a company running. Similar to a Chapter 13 bankruptcy, Chapter 11 involves a reorganization of debt.… Read More

Foreclosure Defense

If you are having trouble paying your bills and mortgage payment, you need to take action. If you have missed three or more mortgage payments, you are in danger of losing your home to foreclosure. You have options, but you need the help of experience… Read More

Stopping Foreclosure Through Bankruptcy

It’s easy to see the home lender/mortgage holder relationship in the simplest terms, i.e., if you pay your house note, you stay in your home; if you fail to pay, you lose your home to foreclosure. Filing for Chapter 13 Bankruptcy Can Help Save Your… Read More

Stopping Collections, Repossessions & Shut-Offs

We have helped countless of clients to stop debt collectors and debt collection lawsuits, stop repossession of cars, trucks and other personal property, and prevent disconnection of heat and electric services. Whether you live in Hamilton County, els… Read More

Stop Collections and Lawsuits

When debt becomes overwhelming, anxiety can increase quickly with the additional stress of repossession, collections and lawsuits relating to collections. Creditors can threaten immediate repossession and immediate wage garnishment in their collectio… Read More

Stop Repossession

If you have fallen behind on your car or truck payment and face the threat of repossession, or if your car or truck has already been repossessed for non-payment, a personal bankruptcy filing can stop the repossession action and, in the right circums… Read More

Stop Heat and Light Utility Disconnections

When financial problems hit, “big” problems are most often covered in the media. Foreclosures. Repossession. Wage garnishment. But what about one of the most basic problems that can result from debt — the disconnection of gas and electricity ut… Read More

Stop Creditor Harassment

One of the things that can hurt your peace of mind more than anything else is when your creditors make unreasonable demands of you to pay debts with money that you don’t have. Many people receive threatening letters and aggressive phone calls from… Read More

Stop Wage Garnishment

The garnishment or threat of garnishment of wages can feel like a crippling blow, especially when garnishment follows prolonged financial challenges. Until now, you had hoped that your income could help address current debt problems. Now, with your i… Read More

Medical, Credit Card & Student Loan Debt

Are you unable to pay overdue medical bills, credit card debt, or student loans? If so, you are not alone. At Zingarelli Law Office, we speak to clients every day who need help managing or eliminating these debts. And we can help. Our attorneys o… Read More

Medical Bills

A major culprit contributing to many Ohio and Kentucky individuals’ and families’ financial problems are payments owed to health care providers. Bills from hospitals, clinics, specialists, emergency rooms and dental offices can add up quickly, ov… Read More

Credit Card Debt

Have your credit card debts gotten out of control? Do you feel like you can never pay off the balance on your Visa, MasterCard, Discover, American Express, or retail store credit card? Are your credit card interest rates and penalty fees overwhelming… Read More

Student Loans

Student loans — whether for a community college, university, trade or professional school, or other institution — can weigh heavily on a person who has no job or is underemployed. In all but a few cases, student loans cannot be discharged through… Read More

Discounted Services for Veterans

The Cincinnati bankruptcy attorneys of Zingarelli Law Office offer a 10% discount on legal services for veterans and members of the U.S. armed services. All our attorney fees are affordable and we offer a reasonable flat fee for personal bankruptcy… Read More

Divorce and Bankruptcy

If you have significant marital debts and are thinking about getting a divorce, you need sound legal advice. You need to make sure that your jointly held debts do not become solely your responsibility. If you are facing divorce and possible bankruptc… Read More

Creditors' Rights

The attorneys of Zingarelli Law Office have years of experience working with debtors and creditors through bankruptcy and collections proceedings. We bring our primary experience representing debtors to bear when we advocate for creditors: we know ba… Read More

With offices in downtown Cincinnati, Hyde Park, and West Chester, Ohio, the bankruptcy attorneys of Zingarelli Law Office represent clients in southwest Ohio, and northern Kentucky. Ohio communities we serve include Batavia, Mason, Loveland, Middletown, Hamilton, Fairfield, Anderson, Hyde Park, Norwood, Western Hills, Blue Ash, Lebanon, Oakley and Liberty Township. Northern Kentucky communities we serve include Covington, Newport, Ft. Mitchell, Ft. Thomas, Florence, Burlington and Independence.

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