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Cuyahoga, Geauga and Ashtabula Counties.
At Biales Delchin we make it affordable to regain your peace of mind. We can start your case and representing you against the bill collectors for only $300 down. The rest of the fee can be paid through a zero interest payment plan at whatever installments the client can afford to make. The two types of bankruptcy we practice are chapter 7 and chapter 13.
To keep it simple, chapter 7 is a liquidating bankruptcy and chapter 13 is a non-liquidating bankruptcy. In a chapter 7 you will be able to discharge all of your debts without paying anything back. However, if you have any equity in anything (your home, your car, your bank account, your boat- anything) you must surrender it to the bankruptcy trustee (the person who looks out for the creditors)
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so that it can be sold (liquidated) to pay back the creditors to the largest extent possible. Equity is what determines which chapter of bankruptcy you can file under. Fair Market Value minus Amount Owed equals Your Equity in anything.
A chapter 13 is a non-liquidating bankruptcy. This means you get to keep everything but you have to pay back a percentage of your equity. It is also used for people who are in foreclosure or behind on their mortgage and in fear of foreclosure. This type of bankruptcy is for people who have an income too high to allow them to utilize the traditional chapter 7 bankruptcy. A chapter 13 requires a payback plan from between three to five years. The payment is monthly. The amount is determined, again, by the amount of equity you have accumulated in your life. This is referred to as your bankruptcy estate. Obviously, everyone wants to do a chapter 7 because it is no payback. However, since 2005 it has become much harder to file chapter 7. In 2005, legislation was passed which tightened up the income restrictions on people with regard to the chapter 7 bankruptcy. The intended result was that more people must file under chapter 13 of the Bankruptcy code and pay back, at least, what the government thinks they can afford.
Most people have been through hard financial times. At Biales Delchin we have been helping people regain their financial stability and peace of mind for over 23 years. Our bankruptcy attorney, Robert Delchin, ONLY practices bankruptcy. He speaks at seminars to experienced bankruptcy and collection attorneys. So far, Biales Delchin Law has a 100 percent success rate in obtaining discharges (forgiveness from debt) for our clients. We have a staff of paralegals and legal assistants who are dedicated to serving only bankruptcy clients. We are available 24/7 with live operators to answer questions or assist in emergencies no matter when they arise.
Financial stress is unhealthy. If you are sick over finances, filing bankruptcy is a responsible act of love toward yourself and your family. It is our job to stop the creditors from harassing you, protect you from lawsuits, garnishments, and to put you back on your feet. It is our job to give you and your family a fresh start in life. It is a job we take very seriously. Please feel comfortable to call us for a free initial or office consultation to discuss your options.
For additional information check out https://www.lakecountybankruptcyattorney.com
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