I have 29 years experience representing Debtors who through no fault of their own become unable to timely pay their debt. I understand the fear of unmanageable debt. Unpaid Debt does not disappear but grows with interest and collections cost. Ohio Courts allow years to collect unpaid debt, and some creditors take years to take action. Bankruptcy allows you to protect yourself and your family from future collection and harassment.
Filing Bankruptcy freezes lawsuits, garnishment, harassment, collection calls, and utility disconnects. Bankruptcy allows you to get back on the right path to financial freedom. In nearly all cases you can rebuild your credit faster than you can repay your unmanageable debt. It isn’t necessary to suffer through years of unmanageable minimum payments.