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  • Middletown Office


    1081 N. University Boulevard, Suite B
    Middletown, Ohio 45042

Approachable Middletown Attorneys Guiding You Through Chapter 7 Bankruptcy

At Combs, Schaefer, Ball & Little, our experienced and compassionate attorneys have years of experience enabling clients to end creditor harassment and getting a fresh start by filing for bankruptcy. We understand that sometimes things happen outside of your control, like the loss of a job, divorce, medical issues, or other life events. Let our Chapter 7 bankruptcy attorneys help you get out from your debt.

Discharging debts in Chapter 7 bankruptcy

Chapter 7 bankruptcy can be the answer for people who believe that they have exhausted all of their financial options. Our knowledgeable lawyers can explain to you the important aspects of the U.S. Bankruptcy Court, including:

Eligibility: If you haven’t filed for bankruptcy over the previous six to eight years, you can seek to discharge your debts through Chapter 7 bankruptcy filing if your income falls below that determined by the means test. If your earnings exceed the set limit, Chapter 13 consolidation may be the right option for you.

Filing/Automatic Stay: Allow our experienced attorneys to promptly prepare your filing to activate the automatic stay from the bankruptcy court. This stops communications from creditors and any debt collection actions such as wage garnishment.

Meeting of the Creditors: Each creditor is notified after the filing of the Bankruptcy Petition.  The bankruptcy trustee then holds a meeting where your creditors are permitted to discuss their claims.

Discharge of Debts: Property that falls within certain statutory exemptions is permitted to be retained by you. Property that is non-exempt is gathered and possibly liquidated.  You will then receive a discharge from all your debts. Some debts, however, such as child support, some taxes and student loans, are usually not dischargeable through bankruptcy.

Contact our chapter 7 bankruptcy lawyers in Ohio

Contact Combs, Schaefer, Ball & Little for a free consultation to discuss your particular financial situation and if bankruptcy may be right for you.