You’ve tried hard, done the best you can do to pay the bills, but you can’t stay caught up. In fact, you may have given up on some of the bills so you can pay for groceries, or keep a roof over your head. You know people can file for chapter 7 bankruptcy. So, you may be thinking, “Is it right for me?” “How do I file for bankruptcy?” Since 1986, we have helped consumers in Middletown Ohio, and all over Butler County, wipe out debt and get a fresh start.

When you file for chapter 7 bankruptcy, you get immediate relief – including:

• Creditor phone calls stop
• Wage garnishments stop
• No more threatening letters filling up your mailbox
• Lawsuits against you get dismissed
• You get to sleep at night
• Your stress level will immediately drop

How do we know? The attorneys at West, Hurley & Malkiewicz practice only debt relief law. We know how to file bankruptcy, and the powerful help it brings our clients.

You already know people who have filed bankruptcy, perhaps even some of our clients, who are honest, hard-working people, just like you. Many of our clients tell us that they have friends who have filed for chapter 7 bankruptcy and that they have seen their friends recover their credit quickly, even buying houses and cars soon after they got their discharge in bankruptcy.

Because we practice only bankruptcy law, we know how to do it right. We are personal bankruptcy lawyers. We file consumer bankruptcy cases for people like you who have tried everything and worked as hard as they can, but need more help than any other option offers. And, we break it down so that it is easy to do.

Why file for chapter 7 bankruptcy?

If you just can’t make ends meet, then you should consider filing chapter 7 bankruptcy. This is the kind of bankruptcy that most people file. There is no payment plan. You most likely will not lose any property, unless you decide to surrender it voluntarily. For example, you may chose to give back a car that is in need of expensive repairs, especially if you owe a lot more on it that it is worth. That car is better off going back to the bank; you should not keep paying for a “lemon” or “upside-down” car when we can show you ways to replace that car with one that will be worth what you owe on it.

Won’t it be a relief to drive a car that is not breaking down all the time and costing you a fortune. That is exactly the help that we give many of our 7 bankruptcy clients.

Does filing chapter 7 bankruptcy mean that I am a failure?

NO! On the contrary, by filing chapter 7 bankruptcy, you are making sure that you can get out of debt fast and be successful. Filing chapter 7 bankruptcy means that you are taking control, accepting responsibility and doing what is necessary to get your finances in order.

Sometimes its better to get some help. That’s what chapter 7 bankruptcy is, help when you need it – to do what you can’t do alone. We are here to give you that help and the peace of mind that comes with it.

Call us for free chapter 7 bankruptcy information

You need to know if filing chapter 7 bankruptcy is right for you. The only way to know for sure is to talk to a personal bankruptcy attorney.

We want to help you. No pressure, no hype, just the facts, and all of them. When you come in to see us, there is never a charge for the consultation.

When you come to see us, we will listen to you. And, as you tell us where you are at and how it happened we will know how to help you. Then, and only then, will we explain, in plain English, not “legalese” what options make sense for you, and if any kind of a bankruptcy would be a good idea. Remember, when you meet with us, you are NOT committed to file a bankruptcy.

In fact, we tell many people who come to see us NOT to file for bankruptcy. We are well versed in non-bankruptcy options, and may be able to share with you some options that you did not even know you had; options that do not involve filing chapter 7 bankruptcy. Or filing any bankruptcy at all, for that matter.

We tell about one in ten people we see that there is a better solution to their debt problem than to file bankruptcy.

When the AK lockout was going on, we counseled many of the affected workers and their families to sit tight, and not file until it was over, and they knew the full extent of the financial difficulties they were facing. We stayed in touch with those families. Some filed, but others did not have to. We met with some families two and three times during that long lockout. We never charged a consultation fee and these families were really thankful for our help. We still get Christmas cards from them.

Chapter 7 Information

Chapter 7 bankruptcy is the most commonly filed form of bankruptcy. Some people call it a “straight” bankruptcy or “full” bankruptcy. It gets you out of debt fast. In most cases, all of your unsecured debt, like credit card bills, medical bills, personal loans and debt remaining after repossession, are totally and forever wiped out. Creditors can never collect on these debts, ever!

In a chapter 7 bankruptcy, many people are afraid that they will lose their property, but that almost never happens unless they want to get rid of the property. Normally, you don’t lose property when you file for chapter 7 bankruptcy.

Most people keep their house and vehicles in a chapter 7 bankruptcy, and continue to pay on these just like they never filed for bankruptcy.

There are some debts that are not discharged in chapter 7 bankruptcy, like child support obligations, bills you are ordered to pay in a divorce, student loans, and most tax bills.

These are just the highlights of chapter 7 bankruptcy. If you think you need help, then you probably do. You can depend on our expertise. For over 23 years, we have helped people all over the Middletown area find the answers to their tough debt problems and get out of debt fast. That’s probably why most of our current clients are referred to us from our past clients.

You have questions. We have the answers, and you can get the solution to your problem for free. All you need to do is call. We can see you in our Springboro office, or, if you prefer, our Dayton or tri-county locations.