Change your life with help from an attorney
Debt can wreak havoc on your day-to-day life. When you’re ready for a fresh start, contact Jump Legal Group. Our Ohio bankruptcy lawyers will work with you to find the best debt consolidation solutions based on your specific needs and circumstances. We have more than two decades of experience and are dedicated to helping residents in Lancaster, Ohio and Columbus, Ohio get on the path to a stronger financial future. Contact our law firm today to learn more and schedule a consultation.
Customized Debt Solutions near Lancaster, Ohio
Chapter 7 and 13 Bankruptcy
Sometimes, filing for bankruptcy is your best option for reducing your debt. However, this can be a scary decision, especially if you don’t know what to expect. A Lancaster bankruptcy lawyer at Jump Legal Group will help you understand your options and the potential outcomes of filing for bankruptcy.
Chapter 7 and Chapter 13 bankruptcy are the two most common types of bankruptcy. Chapter 7 is typically meant for people without a high income. With Chapter 7 bankruptcy, you can get rid of unsecured debt like medical bills, credit card debt, and some taxes without having to follow a monthly repayment plan. Although you may have to liquidate some assets, you can keep your vehicle, house, retirement fund, and college fund. You can also stop wage garnishments, foreclosure, repossession, judgements, credit card bills, and medical bills.
Chapter 13 bankruptcy is typically for people with a steady income. Chapter 13 bankruptcy lets you reorganize your debt and use a payment plan to catch up on missed payments, allowing you to keep assets like your house or your car. With Chapter 13, you may be able to reduce your monthly car and house payments and may be able to eliminate a second mortgage. When filing either Chapter 7 or Chapter 13 bankruptcy, you can keep your social security benefits.
Filing for bankruptcy can be a helpful step, but it’s not the only option. A Jump Legal Group bankruptcy attorney can help you decide if filing for bankruptcy is the right decision for you based on your unique circumstances.
Student loan solutions
Feel like you’re never going to pay off your student loan debt? A Jump Legal Group attorney can help you manage your student loan debt and potentially eliminate it. We use a three-step approach, and start by evaluating your student loan debt situation. The debt solutions available to you will depend on whether your loans are private loans or federal loans. After analyzing your student loan situation, we provide a written analysis of the student loan debt solutions that you are eligible for. Eligibility is based on a variety of factors like your monthly income, loan type, family size, and your profession. Debt solutions may include debt forgiveness, consolidation, creating a repayment plan with lower monthly payments, and more. Once we have evaluated your student loan situation and provided a written analysis, we’ll discuss your options, answer your questions, and help implement the solution of your choice.
Defense Against Foreclosure
The thought of losing your home can be terrifying and heartbreaking. If you’re facing foreclosure, contact an attorney at Jump Legal Group. We’re experienced in helping families in Lancaster, Ohio and Columbus, Ohio keep their houses without filing for bankruptcy.
Foreclosure is a legal process where a lender seizes a house after a borrower fails to pay multiple mortgage payments. The lender then sells the house to recover the owed money. Before foreclosure occurs, there is a pre-foreclosure process. When a borrower misses a mortgage payment, they’ll receive notice of their past-due payment. If the borrower misses mortgage payments for 90 days, they go into default. If payments are not settled, the house goes into foreclosure and is put up for auction in a sheriff’s sale. If the house doesn’t sell, it becomes owned by the bank. The home’s occupants are then evicted.
Filing for Chapter 7 or Chapter 13 bankruptcy can help you avoid foreclosure, but it’s not the only way. Other potential options include home loan modification, short sale, deed in lieu of foreclosure, and cash for keys settlements. Working with an attorney is the best way to determine your options and avoid foreclosure of your home.
End creditor harassment
Dealing with significant debt is often stressful, and constant calls from debt collectors and creditors just make matters worse. Fortunately, you owing money does not give creditors the right to harass you. If you’re tired of the constant phone calls, contact a lawyer at Jump Legal Group. We can help stop harassment from creditors, regardless of whether or not you file for bankruptcy.
If you do file for Chapter 7 or Chapter 13 bankruptcy, creditors must stop contacting you. If they continue, you can sue them. Even if you don’t file bankruptcy, there are laws in place to help prevent harassment from creditors or collectors, such as the Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA). An Ohio bankruptcy attorney can help determine the best plan of action for putting harassment to a stop.
Experience the Jump Legal Group difference
Ready to finally live debt-free? The team at Jump Legal Group is here for you. With more than two decades of experience, we have achieved favorable outcomes for our clients and are confident we can help you, too. Our compassionate lawyers work with your best interests in mind to help improve your finances and life. We know that every case is different, so we provide customized solutions based on your specific needs and circumstances. We have no hidden fees, so you’ll know about all costs up front. There is life after bankruptcy. We’ll help you get there, and continue helping even after your case is over by providing tools to help you repair your credit. That’s the Jump Legal Group difference.
Contact a bankruptcy lawyer at our Columbus practice
W. Mark Jump is a founding partner of our practice and has more than 20 years of experience helping people get out of debt and improve their future finances. In addition to working bankruptcy cases, Mark has helped small business owners and worked with cases regarding consumer matters.
A highly regarded lawyer, Mark has been listed in multiple editions of the Best Lawyers of America. Ohio Super Lawyers has on numerous occasions named him one of the top 100 attorneys in Ohio and one of the top 50 attorneys in Columbus. Additionally, several media outlets have invited him to contribute insights on matters important to the public. Mark is a graduate of Miami University and earned a law degree from Capital University Law School.
Contact Jump Legal Group today to learn more about Mark, our services, and to schedule a free consultation.