Full-Service Bankruptcy Representation Throughout the Greater Cincinnati Area

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 complicated or worrisome. At Zingarelli Law Office, we provide comprehensive services and representation designed to complete the process quickly, efficiently and affordably. We also assist individuals with significant debt who are facing divorce and considering bankruptcy; we will help you sort out your options and protect yourself financially to the fullest extent possible.

Read more below about the bankruptcy process and how we can help. We also invite you to learn more about topics including:

Contact our bankruptcy attorneys for a no-obligation consultation. It could be the first step toward a brighter financial future.

The Bankruptcy Process — And How We Help

Zingarelli Law Office will provide complete representation in all aspects of your bankruptcy. In most cases, your only responsibilities will be to:

  • Provide us with information regarding your debts, assets and tax returns
  • Attend two credit counseling classes
  • Attend a brief hearing before the bankruptcy trustee

We will handle everything else. For most people, the bankruptcy process proceeds as follows:

No-obligation consultation — Our Cincinnati bankruptcy attorneys will review your situation and explain your debt relief options.

Creditor harassment stops — When you retain our firm, [creditors and bill collectors should stop harassing you. Simply refer them to our office.

Foreclosure, repossession, garnishment and collection lawsuits stop — When we file bankruptcy for you, foreclosure actionsrepossessions, garnishments and collection actions stop. You can focus on living your real life again.

Notification of creditors — The Bankruptcy Court will notify all of your creditors that you have filed bankruptcy. This gives them time to respond and attend the bankruptcy hearing, though, in reality, most creditors do not attend.

Development of a personalized debt relief plan — Zingarelli Law Office will examine your debts and your assets to develop a debt relief plan designed to obtain maximum debt relief, while allowing you to keep as much of your property as possible.

Hearing before the bankruptcy trustee — About 30 to 60 days after your filing, a hearing will be scheduled before the bankruptcy trustee. Our firm will represent you at this hearing. Your only responsibility will be to answer a few questions.

In a Chapter 7 bankruptcy, your unsecured debts will be discharged 3½-5 months after the trustee hearing. In a Chapter 13 bankruptcy, your repayment plan should be approved. A Chapter 11 bankruptcy can help reorganize your assets and debts, as well as discharge some of your debt and save your business.

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

Read more below to learn about personal bankruptcy. 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.

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

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