Medical, Credit Card & Student Loan Debt

Are you unable to pay overdue medical billscredit 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 offer a range of debt relief and debt settlement services, from negotiating with credit card companies and representing you in court to helping you file for personal bankruptcy. Based in Cincinnati, we have several conveniently located offices in Hamilton County and Butler County and work with clients from communities throughout southwest Ohio and northern Kentucky.

Which is Better for Me: Debt Settlement or Bankruptcy?

The best bankruptcy attorneys should be able to advise you regarding your options for negotiated debt settlement versus filing for bankruptcy. Many of our clients find the most relief from debt — and the best hope for financial freedom — by filing for Chapter 7 or Chapter 13 bankruptcy. We warn you to get the facts, however, before signing up with debt consolidation companies. Debt consolidation does not protect you from debt collection lawsuits or harassment by creditors in the same way that bankruptcy does. You could end up paying thousands of dollars to a debt settlement agency and your creditors but still have your bank account or wages garnished in satisfaction of a judgment.

Read More or Contact Our Hamilton County, Ohio, Bankruptcy Law Firm

See below to learn about how an attorney can help you address debt and get back on your feet financially. Or, for a no-obligation consultation, contact Zingarelli Law Office to speak with our lawyers. We proudly offer discounts for veterans and members of the U.S. armed forces.

With offices in Cincinnati, West Chester, and Norwood, 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, 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.

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

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