Paul Stanley Kuzmickas

If filing for Chapter 7 bankruptcy is the right option for you, attorney Paul Kuzmickas can help. Chapter 7 bankruptcy is filed when an individual has little to no money left over after paying basic expenses. It is typically used for the purpose of completely starting over. Although it is rare, one’s assets can be liquidated in order to pay off debts. The advantages of filing for Chapter 7 bankruptcy are that most unsecured debts can be completely eliminated.

If filing for Chapter 13 bankruptcy is the right option for you, attorney Paul Kuzmickas can help. Chapter 13 bankruptcy is filed for the purpose of holding on to assets while discharging some, if not all of your unsecured debts. The advantages of filing for Chapter 13 bankruptcy include keeping your possessions and property, and taking 3 to 5 years to pay off your debts on a payment schedule, rather than at a quicker rate the creditors would prefer.

The thought of losing one’s home in foreclosure is a frightening one. If your lender files a foreclosure complaint against you, you may feel as if you’ve run out of all options. But a foreclosure is not inevitable, and can often be reversed or remedied before you actually lose your house.

An Ohio consumer protection lawyer will be best able to advise you on your chances. Even if you aren’t able to recover your tax refund, there are options that will allow you to get your finances back on track. Call the Ohio bankruptcy attorneys at Luftman, Heck, and Associates today at (216) 239-0005 today to find out how we can help you get control of your finances and your life once more.