Consumer Bankruptcy Lawyers in Dublin, Ohio

Find the right Consumer Bankruptcy attorney in Dublin, OH

Bankruptcy is a court proceeding which lets a person or business have some or all of their debts discharged. It should usually only be considered as an option of last resort, because it can have significant long-term consequences, even if it can stave off financial disaster. This means that the costs and benefits need to be carefully considered before filing. Since it's a creation of federal law, bankruptcy is handled in federal courts. Therefore, the rules and procedures governing it in Ohio will be the same as everywhere else in the country. Individual courts in Dublin, Ohio will have some unique rules, however, so you should consult with a local lawyer before you file.

Chapter 7 Bankruptcy in Dublin, Ohio

There are 2 common types of consumer bankruptcy in Dublin, Ohio: Chapter 7 and 13. Chapter 7 bankruptcy involves a liquidation of some of the debtor's assets, which pays off part of his or her debt. Once this is done, the remaining debt is discharged. Fortunately for debtors, many forms of property are exempt from liquidation, including homes, vehicles, essential personal items, and retirement accounts.

Once the eligible property is sold, and the funds transferred to the creditors, the dischargeable debt is excused. Some forms of debt, however, can't be discharged in Chapter 7 Bankruptcy in Dublin, Ohio. These include student loans, criminal fines, and taxes, among others. If most of your debt can't be discharged, Chapter 7 may not be the best choice for you.

Chapter 13 Bankruptcy in Dublin, Ohio

Chapter 13 Bankruptcy in Dublin, Ohio differs significantly from Chapter 7. It might be a better option than Chapter 7, depending on the facts of your case. Chapter 13 does not eliminate any debt, but it creates a new payment plan that should give the debtor some breathing room. Typically, all of the debts are consolidated into 1 periodic payment. While this may make it take longer to pay off the debt, if the debtor is willing to make a few sacrifices, the plan should be manageable.

Which Type of Consumer Bankruptcy Should I File in Dublin, Ohio

Which Bankruptcy type to file under depends strongly on the facts of each individual case. If you have a stable stream of income (enough to make a payment plan manageable), and a large amount of non-exempt property that you don't want to part with, Chapter 13 may be best for you. If you don't have a stable income or large amounts of non-exempt property, you may be better off filing for Chapter 7.

In any case, it would be a good idea to consult a local bankruptcy lawyer in Dublin, Ohio. Your lawyer can make an educated judgment as to what your best option is, and advise you accordingly (of course, the choice to file for bankruptcy is ultimately yours).

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Life in Dublin

Dublin, Ohio is a city that straddles Franklin, Delaware, and Union Counties. It is one of the fastest-growing suburbs of Columbus, with a population of approximately 39,000 as of 2009, up from 31,000 in 2000.

Dublin is perhaps best-known for hosting the Memorial Tournament, a major golf tournament which is part of the PGA Tour. Accordingly, many golf enthusiasts have chosen to call Dublin home.

During its early history, in the early 19th Century, Dublin, Ohio experienced an influx of immigrants from Ireland, and it got its name from one of the early Irish settlers and major landowners in the area, who named it after his hometown of Dublin, Ireland.

Dublin, Ohio hosts the headquarters of several major companies in the food service, healthcare, insurance, and telecommunications. Dublin, Illinois features over 1,000 acres of parks, and over 77 miles of scenic bike trails, and two manmade lakes for boating and fishing.

Given its size, and rapid growth, it's not surprising that Dublin, Ohio is home to many lawyers who have set up shop to meet the legal needs of a rapidly-growing community. Dublin, Ohio lawyers are highly skilled and competent. If you live in or near the city, chances are good that a Dublin, Ohio lawyer can help you with whatever legal issue you might be facing.

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