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Ohio Bankruptcy Lawyers

Bankruptcy is a process by which people or entities seek relief from their debts. The relief sought is either through complete elimination of debt (liquidation) or through a reorganization plan (repayment plan). Bankruptcy law is broken down between several different chapters as referenced below.

  • Chapter 7 Bankruptcy — A Chapter 7 bankruptcy is a voluntary liquidation case that can be filed either by individuals or businesses. Persons or entities filing Chapter 7 are seeking to discharge all their debt in exchange for losing any non-exempt assets (liquidation).
  • Chapter 9 Bankruptcy — A Chapter 9 bankruptcy is available for municipalities seeking reorganization. This highly complicated bankruptcy is for government muncipalities struggling with the payment of their obligations that seek to reorganize.
  • Chapter 11 Bankruptcy — A Chapter 11 bankruptcy is available for a wide variety of entities that are seeking to reorganize their debts. This highly complicated bankruptcy is typically filed by large corporations or businesses seeking to gain relief from their debts without going out of business.
  • Chapter 12 Bankruptcy — A Chapter 12 bankruptcy is available for the rehabilitation of family farmers and family fisherman. This bankruptcy involves a court-approved repayment plan and has the most complex eligibility requirements.
  • Chapter 13 Bankruptcy — A Chapter 13 bankruptcy is available to individual consumers who have regular income. This chapter involves the repayment of debt through a court-approved repayment plan. Individuals seeking relief under Chapter 13 bankruptcy usually make too much income to file for Chapter 7, or they would lose their assets in a Chapter 7 liquidation case. If you file for Chapter 13, you do not necessarily have to pay back all of your debts owed. Click here to read more about Chapter 13 bankruptcy.

Our firm focuses on Ohio consumer bankruptcy law. This means that we represent individuals who are filing for relief under the Bankruptcy Code that applies to consumers. The chapters that deal primarily with consumers are Chapter 7 and Chapter 13 bankruptcies. Please see the above sections to learn more.

Bankruptcy Question? Contact Ohio Bankruptcy Attorneys from LHA Today.

Financial difficulty can be a stressful and overwhelming emotional experience for anyone. Your hard earned dollars are a stake and it is understandable that you have a lot of questions. The Luftman, Heck & Associates’ Ohio bankruptcy lawyers are on your side. Get answers to your questions and concerns by contacting Luftman, Heck & Associates today at or email us at advice@ohiodebthelp.com.
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