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