Sam Thomas, YOUR #1 Bankruptcy Lawyer in Cleveland Ohio
If you have bills stacking up and creditors calling constantly, hiring bankruptcy lawyers in Cleveland Ohio may be the right choice for you. If you’re worried about facing foreclosure or you’re neck-deep in debt with credit cards, you need to stop waiting for your problems to go away and instead take action to do something about it. Cleveland bankruptcy lawyers are experienced in all of the ways to help you get out of debt.
All of these issues can be discussed with bankruptcy lawyers in Cleveland Ohio. You don’t have to face this alone and make costly mistakes. There are a lot of things to consider before filing for bankruptcy, and the last thing you want to do is add more stress to your life by having to try and figure out how bankruptcy law works and what it means for you.
Cleveland Bankruptcy Lawyers Can Stop Collection Calls
No one likes collection calls. Bankruptcy lawyers in Cleveland Ohio can make them stop! There are both bankruptcy and non-bankruptcy ways to stop these calls with minimal legal fees.
The solution is to be represented by bankruptcy lawyers in Cleveland Ohio who know all of the tricks to get them to stop. You may not know it, but debt collectors are actually regulated by law on what they can and can’t do to collect a bill. The problem is that some bill collectors regularly ignore those laws. Debt collectors are prohibited by Federal law from:
1. Failure to identify themselves;
2. Calling before 8am and after 9pm;
3. Calling you at work if your employer doesn’t allow it;
4. Physically threatening you;
5. Continuous calling to annoy you;
6. Using obscene language;
7. Calling you if they know you are represented by an attorney;
8. Calling anybody except you, your attorney, or a credit reporting agency about your debt;
9. Contacting you after you let them know in writing that you are not going to pay the debt.
Also, if you dispute the debt or demand verification of the debt in writing, the debt collector must stop debt collection activity until verification is provided to them. Failure to comply with any of these rules can result in damages of a minimum of $1,000 plus attorney fees. Once you’re represented by bankruptcy lawyers in Cleveland Ohio, debt collectors can’t call you unless they’re collecting their own debt.
Most creditors have outside collection agencies and law firms collecting their debts, so it’s rare to be contacted by an agency collecting their own debt. Therefore, any time these debt collection agencies contact you after they are notified that you are represented by bankruptcy lawyers in Cleveland Ohio, they’re liable! It’s possible to stop creditors from calling and at the same time collect damages PLUS attorney’s fees for violating the law.
If you file for bankruptcy with bankruptcy lawyers in Cleveland Ohio, it can get even better for you. Because of something called the “automatic stay,” if a creditor contacts you after you file for bankruptcy, they’re automatically liable even if the creditor doesn’t know about the filing! Once you finish bankruptcy, there’s something called a “discharge injunction” which is basically a never ending automatic stay, with the same rules.
What’s the Difference Between Chapter 7 and Chapter 13 Bankruptcy?
Bankruptcy lawyers in Cleveland Ohio can explain the exact differences better than we can, but basically, in Chapter 7 bankruptcy you are asking the court to wipe away most of the debts you owe. In exchange, the bankruptcy trustee can take any property you own that isn’t exempt from collection, sell it, and then distribute the proceeds to your creditors.
In Chapter 13 bankruptcy, you file a repayment plan with the court to pay back all or some of the debts you owe over time. The amount you have to repay depends on how much you earn and the amount/types of debts you owe.
You lose no property in Chapter 13 bankruptcy because you agree to enter into a repayment plan. In Chapter 7, you choose property you are eligible to keep from a list of state exemptions. For more information about the differences between Chapter 7 and 13, check out this link bankruptcy lawyers in Cleveland Ohio or contact bankruptcy lawyers in Cleveland Ohio for a personal consultation.
How Much Will Hiring a Cleveland Bankruptcy Lawyer Cost Me?
You can hire bankruptcy lawyers in Cleveland Ohio for way less than you think. The retainer you pay them allows you to tell creditors that you’re represented by an attorney, which automatically stops the harassing phone calls. Additionally, you can explore your options for either filing a lawsuit or consider filing for bankruptcy.
Contact Bankruptcy Lawyers in Cleveland Ohio
You deserve to be able to live your life without constant fear and worry over bills you cannot pay. Take the first step to making that happen by calling today and speaking with bankruptcy lawyers in Cleveland Ohio.
Success Story
Last year I had to file Chapter 7 bankruptcy due to a severe illness and medical bills. Many people don’t realize the trauma associated with not only the illness but the stress of going through bankruptcy.
I was very nervous when I decided to file for bankruptcy. I made several phone calls to various bankruptcy lawyers in Cleveland Ohio before I found one I felt comfortable with. They didn’t pressure me, and helped me understand my options. They answered all my questions and made me feel comfortable and not so frightened. I’m glad I contacted bankruptcy lawyers in Cleveland Ohio.
Disclaimer: Nothing on this page should be construed as legal advice. We are not attorneys. If you need to contact an attorney, consider the one advertised on this page or find bankruptcy lawyers in Cleveland Ohio through your local bar association.
