Why Bankruptcy?

Bankruptcy Attorneys Pataskala Ohio Offering Free Consultation

Are creditors or collection agencies hounding you?
Tired of the embarrassment, threats and indignities?
Hate it because you don’t want to answer your own phone?

 You have some rights! You don’t have to put up with it anymore!

Federal laws allow you to be treated with dignity and respect. You can make them stop calling. You can fight them in court. You can file bankruptcy and avoid paying or being hassled by them once and for all.

If you find yourself in financial dire straits you have most likely wondered what to do. You may have been hassled over a debt that you don’t owe or that you shouldn’t have to pay. Perhaps you thought that the debt had gone away years ago. Perhaps it was charged off and you thought it meant that you no longer owed it. Did you suffer a catastrophe that caused you to get behind in your bills such as a temporary or longer lay off from work, downsizing on your job, serious illness with no sick leave available? Does it look hopeless because you are being sued and don’t know how to deal with it? Is your home being foreclosed upon? Or your vehicle about to be repossessed? Is all your hope gone and does it look like there is no way out of the mess?

Well, don’t give up. All it is not lost! It is not as bad as it seems. Come see the Country Lawyer for a consultation. If you need a bankruptcy, the first time won’t cost you. If something else will help, the cost will more than likely be less than a bankruptcy and the result may be just as good. We might be able to defend a lawsuit for a credit card bill and get it thrown out or negotiate it down to a manageable debt that you can make payments on. We might be able to show the creditor that they can’t collect from you and so they will give up and go away. Many times these companies just sue a bunch of people and go forward on the ones that don’t fight or even get a lawyer. They don’t want to deal with an aggressive lawyer that makes them prove their case. This is because often their case isn’t very good and they either cant or aren’t willing to make it good.

We can usually save your home and vehicles if your income is back in place and is dependable. The earlier you act the better. Soon after you receive the court papers, a formal pleading called an answer must be filed. It is difficult but not impossible to deal with a default judgment. Even though it is not too late until the Sheriff has sold your home it is much better to get a lawyer involved early on.

Getting legal advice soon when things go sour, gives you more options for self-help or professional help.

While bankruptcy can provide you with the relief that you are looking for, it comes with serious ramifications. Before you make any kind of decision, you need to consult a lawyer who is knowledgeable in bankruptcy. Attorney John I. Peters has been in practice for nearly 40 years. His wealth of experience includes many cases involving all kinds of solutions, including civil defense, cease and desist demands, and the various chapters of bankruptcy. He will be able to discuss your situation and provide legal counsel, determining what the best alternative is for you.

What are the first steps to take toward solving your debt problems?

Your first step will be to set up a consultation in John I. Peter’s office. A simple phone call to 740- 927-3859 will get you an appointment and a list of items we would like you to gather up and bring with you. If there is time, you will get a letter confirming the time and list. Your first session will cost nothing. During your consultation, Mr. Peters will discuss your financial circumstances considering your debts, your employment status as well as your assets and your wishes for keeping them. Foreclosure will be another matter that will influence any legal action on your part. Mr. Peters will also determine if you have any other options before advising you to claim bankruptcy. You may be able to apply for a new mortgage rate and repayment schedule to relieve your financial burdens. Negotiations with creditors may also be helpful. Occasionally a debt adjustment plan service may be the answer to your problems and help you to avoid bankruptcy. That is a rarity because not all agencies offering such services are able to look out for your best interest.

When there is No Other Alternative except Bankruptcy

If Attorney John I. Peters determines that bankruptcy is the best solution for you, you will have someone by your side every step of the way. Mr. Peters will discuss what will be involved in filing for bankruptcy. He will explain the need for completing an educational course called credit counseling, obtain your credit reports for free and that you must provide six (6) months of payroll information preferably check stubs or an alternative. You will have various options. You will learn how your family income will determine if you will have a choice which chapter you can file or if you are required to file a Chapter 13. You will learn how a chapter 7 will relieve you of all but certain specified types of debts. He will explain allowable steps you might take to prevent losing certain items of your property to a zealous trustee. By following the attorney’s advice in most instances, you may be able to keep most if not all of your belongings without stepping over the line of the law and getting into trouble. You may need to arrange a repayment schedule that is based on your income. John I. Peters will advise you of your best options. We try to avoid requiring people with financial troubles from missing work to come see us. We do this by scheduling around your work schedule, handling paperwork by mail or occasionally meeting you somewhere convenient so you don’t have to burn expensive gas. We take service and helping you solve your problems, seriously.

If you suffer from any financial distress contact Attorney John I. Peters today at 740-927-3859 for a Free Bankruptcy Consultation!