Affordable Chapter 7 Bankruptcy Attorney Mansfield, Dayton, Canton and Lima Ohio

For more than 20 years the Badnell & Dick Company has focused on providing the best possible representation for each and every one of our clients across the state of Ohio.  Our clients meet us at our conveniently located offices in Columbus, Mansfield, Lima, Dayton, Toledo and Canton.

At the Badnell & Dick Company, we offer affordable Chapter 7 Bankruptcy options which begin with a FREE, no-obligation consultation. You will find that our fees are very reasonable.  Each case is unique and not every person will qualify for these fees which are subject to geographical and other limits.  Additional fees may apply for more than 30 creditors, lien avoidance, reaffirmation agreements, contested matters, rush filings and/or other issues.

We are so confident about our fees that we put them right here on our website.  No gimmicks, nothing to hide.  We encourage you to compare our price to any of our competitors because when you compare the total cost with other firms, you will find that we have very reasonable fees for our Chapter 7 Bankruptcies.

So call 1-800-234-9511 today to schedule a FREE, NO-OBLIGATION consultation with one of our experienced attorneys.  We represent clients across Ohio and have offices in Columbus, Mansfield, Lima, Dayton, Toledo and Canton.

Why Choose the Badnell & Dick Company for Your Chapter 7 Bankruptcy?

Our reasonable fees are just one reason why the Badnell & Dick Company has been the choice of thousands of individuals who were facing financial difficulties.  We have all of the resources that you expect, but provide a customer service experience unlike any other through our dedication, compassion and desire to make sure you have the best representation possible.  Our attorneys also know the State and Federal exemption laws, the Federal Bankruptcy Code and the Local Rules of your specific Bankruptcy Court inside and out.  They are also knowledgeable in other areas of consumer protection, including foreclosure defense and fair debt collection actions.  Our Chapter 7 Bankruptcy clients are also given a fresh financial start which allows them to re-establish and rebuild their credit rating.

Utilizing this knowledge, we enable most of our clients to keep the majority of their assets while discharging their debts.  Our Chapter 7 attorneys fight tirelessly to put a STOP to:

  • Harassing telephone calls from collection agencies
  • Garnishments on wages and/or bank accounts
  • Foreclosures or evictions
  • Automobile repossessions

Please call us today at 1-800-234-9511 to discuss your options with one of our experienced Chapter 7 Bankruptcy attorneys.

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

Every situation is different, but generally, Bankruptcy is a last resort for people who can no longer pay off debts that have been accruing over the years.  Our experienced attorneys will analyze your specific situation and help you decide if the time is right.  We will explore all of your options with you, with our main goal being to make sure you do not file bankruptcy at the wrong time.  The following are things to consider which may mean that the time to file bankruptcy is right:

Reason One: 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.

Reason Two: 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.

Reason Three: 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.

Reason Four: 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.

The list from above does not include every reason why someone might find themselves filing bankruptcy, and each individual situation should be looked at carefully by an experienced attorney before someone should file a Chapter 7 Bankruptcy.  Call us today to discuss your situation and see if now is the right time for you.

The Badnell & Dick Company Serves Individuals Just Like You All Across Ohio

We currently serve those who live in areas covered by the Columbus, Dayton, Canton and Toledo Bankruptcy courts.  This includes, but is not limited to the greater Columbus, Dayton, Mansfield, Akron/Canton and Lima metropolitan areas.  This also includes cities such as Alliance, Ashland, Athens, Canton,  Delaware, Marion, Marysville, Massillon, Mt. Vernon, Newark, New Philadelphia, Sidney, Springfield, Tiffin, Troy, Upper Sandusky, Urbana, Wapakoneta, Wooster and other outlying areas.  Please feel free to call us at 1-800-234-9511 for a complete list of the cities and counties we serve.

Our attorneys are licensed to practice law in Ohio, including the United States District Court(s), Northern and Southern Districts of Ohio.

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