[Chapter 7] Videos

Cincinnati Bankruptcy Lawyer Ohio | 513-682-2031 | What are Advantages of Bankruptcy?
http://cincinnatiohbankruptcy.org

What Are The Advantages Of Filing Bankruptcy?

The advantages of filing bankruptcy are numerous.

Bankruptcy law is a consumer protection law; it is designed to help individuals deal with burdensome credit or financial obligations to their creditors– So the law is designed to help you out.

Cincinnati Bankruptcy Lawyer Ohio | 513-682-2031| Bankruptcy Attorney Cincinnati OH

In Cincinnati Chapter 7, you’re going to get a complete discharge of most of your debts.

Chapter 13 if that forced payment plan that’s going to stop interest on unsecured debt like credit cards and medical bills or personal loan type debt.

It can provide some relief potentially on your automobile, but on a case-by-case basis that you’d have to discuss with your lawyer.

Cincinnati Bankruptcy Lawyer Ohio | 513-682-2031| Bankruptcy Attorney Cincinnati OH

And, Cincinnati Chapter 13 can stop foreclosures to give you a chance to get caught back up on your mortgage.

What I try to tell people is the question you want to ask initially is are you far enough in the hole with your debts that simply dealing with the creditors on your own can not get out of debt in a reasonable period of time; and, for most people that answer is “no,” they’re not going to be able to given the interest rates, and the size of debt and the income that people are making, bankruptcy law provides the power of the court to come in and restructure your debt in a 13 or completely wipe it off in a 7 that’s going to get people that fresh financial start.

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https://www.youtube.com/watch?v=bqZPgNmH_po
Cincinnati Bankruptcy Lawyer Ohio | 513-682-2031| Bankruptcy Attorney Cincinnati OH

Cincinnati Bankruptcy Attorney Ohio | How Long Will Bankruptcy be on My Credit Report?
http://cincinnatiohbankruptcy.org

How Long Will a Cincinnati Bankruptcy Filing Remain On My Credit?

Normally a Cincinnati bankruptcy is reported on a credit report for up to 10 years, but the better question is how long will it take after the bankruptcy, in particular a Chapter 7, for an individual to get credit again.

Cincinnati Bankruptcy Attorney | 513-682-2031 | Bankruptcy Lawyer Cincinnati Ohio

From my experience, most debtors are able to get some form of credit within a year or so after filing, sometimes sooner; and, largely because your debt to income ratio has dramatically improved because you’ve wiped out a bunch of debt.

And, the creditors also know you can’t re-file bankruptcy, at least Chapter 7, for 8 years. So even though it’s reported on your credit report for 10 years, credit will be something that you’ll likely get again.

Cincinnati Bankruptcy Attorney | 513-682-2031 | Bankruptcy Lawyer Cincinnati Ohio

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https://www.youtube.com/watch?v=2aeSZB0nXrQ
Cincinnati Bankruptcy Attorney | 513-682-2031 | Bankruptcy Lawyer Cincinnati Ohio

Cincinnati Bankruptcy Attorney Ohio | How Long Will Bankruptcy be on My Credit Report?
http://cincinnatiohbankruptcy.org

How Long Will a Cincinnati Bankruptcy Filing Remain On My Credit?

Normally a Cincinnati bankruptcy is reported on a credit report for up to 10 years, but the better question is how long will it take after the bankruptcy, in particular a Chapter 7, for an individual to get credit again.

Cincinnati Bankruptcy Attorney | 513-682-2031 | Bankruptcy Lawyer Cincinnati Ohio

From my experience, most debtors are able to get some form of credit within a year or so after filing, sometimes sooner; and, largely because your debt to income ratio has dramatically improved because you’ve wiped out a bunch of debt.

And, the creditors also know you can’t re-file bankruptcy, at least Chapter 7, for 8 years. So even though it’s reported on your credit report for 10 years, credit will be something that you’ll likely get again.

Cincinnati Bankruptcy Attorney | 513-682-2031 | Bankruptcy Lawyer Cincinnati Ohio

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https://www.youtube.com/watch?v=2aeSZB0nXrQ
Cincinnati Bankruptcy Attorney | 513-682-2031 | Bankruptcy Lawyer Cincinnati Ohio