Columbus Chapter 7 Bankruptcy

1031 East Broad Street
Columbus, OH 43205

(614) 444-5290

We are a debt relief agency that helps people file Chapter 7 and Chapter 13 bankruptcy cases under the United States Bankruptcy Code

$444 Flat Legal Fee -- Chapter 7 Bankruptcy*
*(attorney fee, plus court costs of $306 -- single or joint)

Today’s economy is built on people consuming goods and services. Consumers are often encouraged to acquire items with credit that they cannot afford to purchase outright with cash. Additionally, if they become ill, or lose their job, or if they have failed to properly plan their finances, it might be an appropriate time to consider filing Chapter 7 Bankruptcy in order to receive a new and fresh start in managing their personal finances.

Our country is experiencing a historic time when we are witnessing multi-billion dollar financial bailouts extended to large banking institutions, insurance carriers and where well-established automobile makers are filing bankruptcy proceedings. Bankruptcy attorney Mark Herder believes that private debtors also deserve to have personal financial relief!

For an individual to qualify for Chapter 7 bankruptcy, specific eligibility requirements regarding income levels and means testing must be met. A Chapter 7 bankruptcy may be filed only one (1) time every eight (8) years. Generally speaking, an individual's average monthly income within six (6) months prior to filing a Chapter 7 bankruptcy should not be higher than Ohio's median income for the applicable household size.

On average, it takes approximately three (3) to four (4) months for a Chapter 7 bankruptcy to be completed and discharged (after filing). Before filing any bankruptcy proceeding, there is a requirement to confer with a nonprofit credit counseling agency. Once pre-bankruptcy debt counseling is completed and all the necessary materials and documentation are properly assembled, the Voluntary Bankruptcy Petition is filed with the United States Bankrupty Court. After this Petition is filed with the Bankruptcy Court, the Court then enters an order for relief, called an Automatic Stay, which requires all creditors to discontinue all collection efforts. This means that all creditors must immediately stop all forms of debt collection harassment. Bankruptcy attorney Mark Herder has proudly represented over 10,000 clients in the United States Bankruptcy Court.

Filing a Chapter 7 bankruptcy case requires a debtor to place all of his or her debts and assets under the control of a Chapter 7 Trustee. The Trustee's function is to acquire money from the debtor's estate for the benefit of unsecured creditors. However, in most bankruptcy cases, the Trustee cannot touch the property which is protected as “exempt property” under both the bankruptcy laws and the Ohio Revised Code. Exempt property is sheltered assets and personal possessions that a debtor can keep during and after filing of the bankruptcy case.

Bankruptcy attorney Mark Herder charges a flat legal fee of $444.00 for both a single and joint Chapter 7 bankruptcy case. The filing fees charged by the Clerk of Courts of the United States Barnkuptcy Court are an additional $306.00. The mandatory pre-bankruptcy counseling course (online) usually costs just $5.00.

Please contact us today for an absolutely free, pressureless consultation at 614-444-5290!