Chapter 7

Most people don't deliberately end up in heavy credit card debt. One unexpected expense leads to the next, and suddenly, you are trying to decide whether to buy groceries or pay the Visa bill. When you have kids at the dinner table, it's a pretty obvious decision.

What would getting a fresh start from your credit card debt do for your family's future? Talk to an attorney at Denman & Lerner Co., L.P.A., to discuss your financial circumstances. Let us show you how the Chapter 7 provisions of the U.S. Bankruptcy Code will allow you to eliminate most of your unsecured and secured debt, while avoiding foreclosure and car repossession.

Yes, by filing bankruptcy, you can probably keep your house and car if you are ready to continue making timely payments.

Will You Qualify for Chapter 7 Bankruptcy?

Not everyone qualifies to have their debts eliminated under Chapter 7. If your income is sufficient and your debts are within reach, you may be required to file to consolidate your debt under a court-supervised Chapter 13 plan. But most people seeking Chapter 7 qualify, and it's our job to do everything possible to make sure it's the right fit for you.

What Debt Can You Eliminate Through Chapter 7 Bankruptcy?

  • Credit card debt
  • Personal secured and unsecured loans
  • Tax debt that has met certain criteria

What Can't You Eliminate Through Chapter 7 Bankruptcy?

  • Student loans
  • Government business loans through the SBA
  • Some kinds of tax debt

File For Chapter 7 Bankruptcy And Stop The Harassing Creditor Calls Immediately

After retaining us to be your legal representative, you can start sending bill collectors directly to our office, and you don't have to explain a thing. Just tell them you have a lawyer now. We will handle everything and work closely with you until your Chapter 7 bankruptcy is completely resolved and you get the fresh start your family needs.

Contact us to learn more about getting the debt help you need. One of our lawyers will answer your questions during a free initial consultation and explain the process thoroughly. We represent clients throughout the Cleveland metro area and northeastern Ohio.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.