Chapter 7

Cincinnati Chapter 7 Bankruptcy Lawyer

Wipe Out Unsecured Debt in Months

If you are struggling financially, Chapter 7 bankruptcy can provide an opportunity to get out of debt in three to five months. The Southard Law Firm, L.L.C. offers legal representation to help you find a solution to mounting debt. Our Chapter 7 bankruptcy attorney in Cincinnati thrives on helping good people get out of bad situations and offers personalized service for every client.

Call (513) 399-8806 to learn about your options in a free phone consultation.

The Chapter 7 Bankruptcy Process

It may be possible to file for bankruptcy protection under Chapter 7 as long as you have not filed for bankruptcy in the past eight years or received a Chapter 13 discharge in the past six years. A means test is required to determine eligibility for Chapter 7. The means test assesses your income and assets to ensure that you are actually unable to pay your debts.

If you are eligible for Chapter 7, you may be able to eliminate:

  • Credit card debt
  • Medical bills
  • Unsecured loans
  • Other unsecured debt

Approximately 30 to 45 days from filing, creditors will meet before a Chapter 7 bankruptcy trustee. You will be sworn in and asked questions about your finances. Our bankruptcy attorney, Arthur Southard, can help you prepare for this meeting and will guide you through the process until your debts are discharged.

Debts That Cannot Be Discharged

Not all debts can be discharged in Chapter 7 bankruptcy. Student loans cannot be discharged unless they will “impose an undue hardship on the debtor and debtor’s dependents.” However, this is a difficult standard and most student loans are not discharged. In addition, you may not be able to keep your home and car unless you can bring the loans current. Because each situation is unique, it is best to seek advice from an experienced Cincinnati Chapter 7 bankruptcy attorney.

Take the first step by calling (513) 399-8806 for a consultation.