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Bankruptcy Attorney Tonya VanBenschoten

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Bankruptcy

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Bankruptcy In Ohio
10 Aug
bankruptcy

Chapter 7 Bankruptcy

Chapter 7 Bankruptcy In Ohio: A Comprehensive GuideIntroductionIn the face of financial hardship, both individuals and businesses in Ohio might encounter overwhelming debt that makes it hard to meet obligations. That's where Chapter 7 bankruptcy comes in. It provides a chance to begin anew, permitti...

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    Do I Qualify for a Chapter 7 or Chapter 13

    Shur Law is recognized for having some of the Best Bankruptcy Attorneys serving Ohio, Kentucky, Indiana and Tennessee.

    Are you worried about losing your house? Are you being harassed by creditors? Have you tried to pay your bills and stay current, but find yourself falling farther and farther behind?

    If these are the stresses that you are facing, it might be time to make a fresh start through bankruptcy.

    Everyone goes through hard times and some of life’s events can really set you back.  Losing a job, an unexpected injury, or divorce can often lead to financial ruin.  If you are faced with overwhelming debt, our bankruptcy attorneys can help you get the relief you are seeking.  We are available 24/7 to schedule your phone, video, or in-person consult. 

    Filing for bankruptcy immediately stops foreclosure, garnishments, and those harassing creditors’ phone calls.  Calling today will cost you nothing and you can get the process started from the convenience of your own home.  Through the bankruptcy process, you can eliminate debt, get caught up on secured payments such as your car and home.  You will not lose your house or car when you file.  Our experienced and compassionate staff will help you structure your bankruptcy so that you get the maximum benefit available based on the law in your jurisdiction.

    Bankruptcy Exemptions

    Are you worried that if you file, you will lose everything?  Each state’s bankruptcy code has “exemptions” which allow you to keep items.  So long as these exemptions are applied properly, you will be able to keep your home, car, furniture, retirement, and other items.  Ohio and Kentucky have different sets of exemptions available.

    In Ohio, your bankruptcy exemptions may include the following:

    • Homestead up to $161,375
    • Personal vehicle up to a value of $4,450
    • Household goods up to a total value of $14,875
    • Health aides
    • Tools and equipment for a professional trade
    • Payments because of a personal injury claim up to $24,700
    • 401k, 403(b), IRA, and other tax-exempt retirement accounts
    • IRA and ROTH IRA accounts up to $1,283,025
    • Pension
    • Wages and public assistance
    • A burial plot

    Kentucky’s exemptions change often, but the exemptions include:

    • Homestead of $5,000
    • Personal vehicle up to a value of $2,500
    • A burial plot of $5,000 (in lieu of homestead)
    • Household goods up to a total value of $3,000
    • Health aides
    • Tools and equipment for a professional trade
    • Payments because of a personal injury claim up to $7,500
    • Retirement Accounts
    • Pension
    • Wages and public assistance

    The structure of your filing can significantly impact the outcome of your case and the financial position you will be in after your discharge.  Schedule an appointment with one of our attorneys today to go over your options and what is best for you.

    Evaluate Your Case

    Schedule an initial consultation to have Shur Law evaluate your situation.