Ohio Repossession Protection Lawyers
Minnillo & Jenkins, CO. LPA, has helped countless individuals file for bankruptcy protection. With our years of experience, we fully understand the bankruptcy laws and how they apply to people in financial distress. Chapter 13 bankruptcy is a potential option for people who have fallen behind on their mortgages and want to keep their homes. Chapter 13 is also a good choice for people with significant debt problems who do not pass the Chapter 7 bankruptcy means test. Our law firm is prepared to give you the information you need to decide whether or not bankruptcy can improve your financial situation.
In Chapter 13 bankruptcy, you will develop a plan to repay your creditors over three to five years. Our law firm will help you develop a payment plan that best meets your needs. Your secured creditors, such as the holders of your mortgage or auto loan, must be paid in full. Your unsecured creditors, such as credit card companies, will be paid a portion of what they are owed, based on your income levels. Once your payment plan is completed, any unsecured debts that you have not paid will be discharged.
Chapter 13 can offer significant savings on your home or car in certain cases. For example, you may be able to eliminate second mortgages in Chapter 13. You may be able to pay your creditors the value of your automobile rather than the value of your note. It is impossible to know exactly what bankruptcy can do for you until you speak with a lawyer.
Contact the Dayton Chapter 13 Bankruptcy Attorneys of Minnillo & Jenkins
When you are ready to get the debt relief you need, we are ready to talk to you. Call our Dayton office at 937-550-1030 or e-mail us to get started. We offer a free initial consultation and are available on evenings and weekends if necessary.
We are a law firm and a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
