Are you struggling with mountains of debt, but resisting the idea of filing bankruptcy because it seems dishonest? Maybe you should know that Abraham Lincoln filed for bankruptcy. That’s right, Honest Abe himself filed for bankruptcy.

In today’s economy, lots of honest, hard-working people like you are seeking relief from oppressive debt by taking advantage of our bankruptcy laws. That’s why those laws were created. There’s no shame in abiding by them.

Why you need a personal bankruptcy attorney

The bankruptcy laws recently changed, becoming more complicated. As a result, a lot of people have been misinformed about their eligibility for bankruptcy. However, most people with serious debt do still qualify.

If you’re one of those people, you need an experienced consumer bankruptcy attorney … one who understands all the details of the new bankruptcy laws.

West and Associates is one of the top bankruptcy firms in the Dayton area. In fact, Richard West is one of the few board-certified consumer bankruptcy attorneys in Ohio.

A general practice attorney may only handle a few bankruptcy cases per year. But because we specialize in bankruptcy, we make it our business to stay completely up-to-date on the latest bankruptcy laws and tactics.

Filing chapter 7 bankruptcy

• Chapter 7 bankruptcy is the simplest form of bankruptcy. It is also known as “straight bankruptcy”.
• Filing for chapter 7 in Dayton immediately stops collection actions such as repossessions, wage garnishments, and foreclosures.
• Under a chapter 7 bankruptcy plan, many unsecured debts (such as credit card debts) are completely discharged.
• If you wish to retain property such as your home or vehicle, you typically must continue to make payments on that property.

Filing chapter 13 bankruptcy

• Chapter 13 bankruptcy is a reorganization plan. You negotiate a repayment plan with your creditors based on your income.
• Filing for chapter 13 in Dayton activates an automatic stay, which stops creditor harassment, repossessions, wage garnishments, and foreclosures.
• The chapter 13 repayment plan typically lasts three to five years.
• At the end of the repayment plan, certain debts are fully discharged. These do not usually include student loans, child support, alimony, or most taxes.
• In a chapter 13 plan, you pay a percentage of most unsecured debt, such as credit card debt.

Call today to get your free bankruptcy information

Your first consultation is completely free. There is no obligation to file bankruptcy.

At West and Associates, we deal with bankruptcy cases every day. While each individual case is unique, rest assured that we have seen almost every financial problem imaginable. We know what works and what may make your problems even worse.

Most people have dozens of questions about the bankruptcy process. Write them down and bring them in. We have answers.

The worst thing you can do is NOTHING. Schedule a free consultation today and take action to improve your financial future. You’ll wish you’d done it sooner.