Bankruptcy Made Simple: Chapter 7 Versus Chapter 13
Many people are unaware of how manageable the bankruptcy process really is. On your own, it may seem like there’s too much to remember, too many hard terms to learn and too many forms to fill out. With the right legal counsel, these steps become a clear path toward financial recovery.
At Kristen A. Stanton, Attorney at Law, our lawyer can help you take that path. Let us simplify the process by explaining key terms and outlining your options. Serving the Defiance region, including Northwest Ohio, we help you move forward with confidence.
Chapter 7 Bankruptcy: Protect Your Home And Car
Filing for Chapter 7 bankruptcy doesn’t mean giving up everything. Many people are surprised to learn they can keep their home and vehicle while clearing unsecured debt. Attorney Kristen Stanton will help you understand your options and protect what matters most.
Chapter 7 can eliminate the following debt:
- Credit card balances
- Medical bills
- Personal loans
- Past-due utility charges
- Certain judgments and collection accounts
In most cases, you can keep your house and car if you’re current on payments and your equity falls within Ohio’s exemption limits. Chapter 7 also stops collection efforts, lawsuits and wage garnishment. It gives you breathing room and a clean slate without repayment plans.
Kristen will review your financial situation, explain how exemptions work and guide you through each step. You’ll understand what to expect and how to move forward with confidence.
Chapter 13 Bankruptcy: A Payment Plan That Fits
If you have regular income but need time to catch up, Chapter 13 bankruptcy may be a better fit. It stops wage garnishment, foreclosure and repossession while allowing you to repay debts through a structured plan.
Kristen will help you create a payment schedule based on your income and expenses. You’ll make manageable monthly payments while keeping your property and avoiding creditor harassment.
Find The Right Bankruptcy Option For You
Call 888-512-6925 or email us today. We offer affordable fees and after-hours appointments at our Defiance office.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.