$500 Flat Fee Chapter 7 Bankruptcy Attorneys-Lawyers Columbus,Mansfield, Lima & Dayton Ohio*

We have offices in Columbus, Mansfield, Lima and Dayton Ohio where we offer Free Chapter 7 Bankruptcy Consultations with one of our experienced Chapter 7 Bankruptcy Attorneys.

Call now         Mansfield Ohio Bankruptcy Attorney Meeting 1(800)234-9511

for a free consultation!

Chapter 7 Bankruptcy $500 Flat Fee*

Debtor Protection


Attorney Jeff Stiffler and his staff are well versed in State and Federal exemption laws, as well as Federal Bankruptcy Law. He is also knowledgeable in other areas of consumer protection, including foreclosure defense and fair debt collection actions.

Using Federal Bankruptcy Law, Attorney Stiffler may be able to stop garnishments, foreclosures, and harassing telephone calls from collection agencies. Most of our clients are able to keep the majority of their assets while discharging their debts. This gives our clients a fresh financial start and allows them to rebuild their credit rating.

How do I know when it is the right time to file for bankruptcy?

Bankruptcy is designed to be a last resort for people who can no longer pay off the debts that have been accruing over the years. The decision to file for bankruptcy must be made carefully since it will affect credit and personal finances for years to come. It is important to know when it is the right time to file for bankruptcy.

Making Even Minimum Payments Is Impossible

If making even minimum payments on bills has become impossible, then it is probably time for bankruptcy. This is the right time if budgeting and cutting back on expenses still does not free up enough money to satisfy the demands of creditors. The inability to make minimum payments will mean the amount of debt will continue to increase through late fees and other charges until there is no hope of repayment. Filing for bankruptcy is the best option when this occurs.

Assets Will Be Lost

Another sign that bankruptcy might be the right choice is if assets are certain to be lost at some point in the near future. An asset could be a home or a car. If creditors are threatening repossession or foreclosure despite the best efforts to make payments, then bankruptcy might be able to help. Foreclosures could be delayed until the bankruptcy is complete. Assets like cars might still be lost although there is a chance the debt could be restructured so the vehicle can be kept.

Relying On Credit Cards to Buy Necessities

A sure sign that bankruptcy is probably necessary is if the household has started relying solely on credit cards to buy necessities and pay bills. This is a sign that the amount of household income is not sufficient to sustain everyone in the home. Relying solely on credit cards is the start of a long journey that will end with legal action, loss of assets and potentially homelessness once the credit cards become unusable. Filing for bankruptcy can potentially rescue the family from disaster in this situation.

Income Is Stagnant or Declining

If there is no way to increase the household income or if the income amount is declining despite mounting bills, then bankruptcy might be the only way out. Stagnant or dropping income will start to create a deficit that will widen between what is owed and what is being paid. There is often no way to cope with this situation. Bankruptcy can provide a brief period of calm where everyone in the household can start over and escape from many existing debts.


Attorney Stiffler is licensed to practice law in Ohio and the United States District Court, Northern Division of Ohio.

Federal law requires the following statement: We are a debt relief agency. We help people file for protection under the bankruptcy code.

* Plus filing fee and credit report.