Grove City Ohio
Get out of debt with help from an Ohio bankruptcy attorney
Getting out of debt can feel like an uphill battle. When you need someone on your side, you need an attorney from Jump Legal Group. We’re a bankruptcy law firm dedicated to helping people in Grove City and the Columbus, Ohio area get relief from debt and enjoy a fresh start. We offer a variety of debt relief options based on your specific circumstances, plus advice and support every step of the way. Our company has over 20 years of experience, so you can feel confident in our ability to help. Ready to start your journey to a better financial future? Contact our Columbus law firm for a consultation.
Chapter 7 and 13 Bankruptcy
Filing for bankruptcy in Columbus, Ohio can be a life changing decision that helps you finally get out of debt. However, it can also be an intimidating decision, and you may have questions about the pros and cons of bankruptcy. A Jump Legal Group bankruptcy lawyer will discuss your options with you and help you determine if filing for bankruptcy is the right decision for you and your family.
There are two main types of bankruptcy: Chapter 7 bankruptcy and Chapter 13 bankruptcy. People who qualify for Chapter 7 bankruptcy in Columbus typically do not have a high income. Chapter 7 bankruptcy allows you to get rid of unsecured debt – such as from credit cards, medical bills, and some taxes – without creating a monthly repayment plan. You can also keep your house, vehicle, college fund, retirement fund, and social security benefits, although it may be necessary to liquidate other assets. Chapter 7 bankruptcy also allows you to put an end to wage garnishments and prevent foreclosure or repossession.
People who qualify for Chapter 13 bankruptcy in Columbus typically have a steady income. With Chapter 13 bankruptcy, you can reorganize your debt and pay back missed payments using a monthly payment plan. This allows you to keep your house, vehicle, and social security benefits. You may also be able to eliminate a second mortgage and lower your monthly house and car payments.
Filing for bankruptcy offers relief from massive debt, but it isn’t the only option. A bankruptcy attorney at Jump Legal Group in Columbus, Ohio will discuss all options available to you based on your unique circumstances and help decide whether or not bankruptcy is your best option.
Prevent foreclosure with a bankruptcy attorney
Are you at risk of losing your Grove City, Ohio home? Call the bankruptcy attorneys at Jump Legal Group in Columbus. We have helped individuals and families throughout the city and Ohio avoid foreclosure without having to file for bankruptcy.
Foreclosure happens when you miss several mortgage payments and the lender seizes your home as a result. Your Columbus area house is put up for sale to recover the money that’s owed. Luckily, there is a pre-foreclosure process that occurs before your home is seized. During this time, you will receive notice of any mortgage payments that are past due. After 90 days of missed payments, you would go into default. You’ll have the opportunity to settle the missed payments, but if payments are not made, your house goes into foreclosure and enters a sheriff’s sale where it’s auctioned off. If the home doesn’t sell, the bank becomes the owner and you and your family must leave the home.
Don’t let this happen to you. Bankruptcy attorney Mark W. Jump can help you avoid foreclosure and stay in your Columbus area home. There are a variety of ways to prevent foreclosure, such as filing for Chapter 7 or Chapter 13 bankruptcy, short sale, home loan modification, cash for keys settlements, and deed in lieu of foreclosure. An attorney will discuss each option and determine the best one for you.
End creditor harassment with help from a bankruptcy attorney
Constant calls from debt collectors can leave you feeling stressed and overwhelmed. Luckily, our Columbus attorneys can put an end to the harassment. Just because you have debt does not mean creditors are entitled to harass you. You have rights. Our Ohio attorney will put a stop to the constant calls so you can regain some peace.
If you file for bankruptcy, creditors are required to stop calling you or contacting you in any way. If they continue to harass you, you can sue them. If filing for bankruptcy isn’t the right choice for you, there are still ways to stop harassment from creditors. The Telephone Consumer Protection Act (TCPA) and the Fair Debt Collection Practices Act (FDCPA), for example, limit the ways creditors and debt collectors can contact you. Working with an attorney is the best way to determine how you can put the constant calls to an end.
Student loan debt solutions
Student loan debt can take years to pay off and result in a significant amount of interest. If you feel like you will never be able to pay off this debt, reach out to an attorney at Jump Legal Group in Columbus, Ohio. We have years of experience helping people manage student loan debt and, in some cases, eliminating it.
We accomplish this through a three-step approach. First, an attorney evaluates your debt situation and loan type and determines which solutions are available to you. Next, an attorney provides a written analysis of the loan debt relief solutions you qualify for, such as consolidation, forgiveness, or a monthly repayment plan with reduced payments. Eligibility for specific solutions will depend on your loan type, monthly income, profession, and family size. Finally, an attorney discusses your options and helps implement the chosen solution.
Hire a Grove City Ohio bankruptcy lawyer
The best way to get relief from debt is with help from an attorney. The attorneys at Jump Legal Group in Columbus, Ohio are passionate about helping residents in Grove City, Ohio find debt relief and get on the path to a strong financial future. Whether you’re overwhelmed by debt from credit cards or loans, feel like bankruptcy is your only option, or want to understand your rights, you will gain helpful advice and solutions from our team. Contact us today for a free consultation.