We are a debt relief agency that helps people file Chapter 7 and Chapter 13 bankruptcy cases under the United States Bankruptcy Code
1031 E. Broad St.
Columbus, OH 43205
Today’s economy is built on people consuming goods and services. Consumers are often encouraged to acquire items with credit that they cannot afford to purchase outright with cash. Additionally, if they become ill, or lose their job, or if they have failed to properly plan their finances, it might be an appropriate time to consider filing Chapter 7 Bankruptcy in order to receive a new and fresh start in managing their personal finances.
Our country is experiencing a historic time when we are witnessing multi-billion dollar financial bailouts extended to large banking institutions, insurance carriers and where well-established automobile makers are filing bankruptcy proceedings. Bankruptcy attorney Mark Herder believes that private debtors also deserve to have personal financial relief!
Come out of crippling debt and stand a chance to re-establish financial footing with the help of exceptional legal services.
Get in touch with professionals at Mark Albert Herder Attorney at Law in Columbus, OH.
Call us today
For an individual to qualify for Chapter 7 bankruptcy, specific eligibility requirements regarding income levels and means testing must be met. A Chapter 7 bankruptcy may be filed only one (1) time every eight (8) years. Generally speaking, an individual's average monthly income within six (6) months prior to filing a Chapter 7 bankruptcy should not be higher than Ohio's median income for the applicable household size.
On average, it takes approximately three (3) to four (4) months for a Chapter 7 bankruptcy to be completed and discharged (after filing). Before filing any bankruptcy proceeding, there is a requirement to confer with a nonprofit credit counseling agency. Once pre-bankruptcy debt counseling is completed and all the necessary materials and documentation are properly assembled, the Voluntary Bankruptcy Petition is filed with the United States Bankrupty Court. After this Petition is filed with the Bankruptcy Court, the Court then enters an order for relief, called an Automatic Stay, which requires all creditors to discontinue all collection efforts. This means that all creditors must immediately stop all forms of debt collection harassment. Bankruptcy attorney Mark Herder has proudly represented over 10,000 clients in the United States Bankruptcy Court.