Bankruptcy Secure and Confidential

Cuyahoga County Bankruptcy Lawyer

Experienced Legal Guidance for All Types of Debt

Are you drowning in debt? Unable to pay your bills? Being harassed by creditors? If so, you should speak with a bankruptcy lawyer in Cuyahoga County to find out if filing for bankruptcy may be the best solution for your needs.

Bankruptcy is a legal tool that can help you get your footing by wiping out your debt and giving you a fresh start. With decades of experience, Van Ness Law can help you determine if filing for bankruptcy is right for you and can guide you through the process.

To discuss your options with our experienced firm, contact Van Ness Law online or call (440) 650-1787. We offer free initial consultations.

Client Reviews

At Van Ness Law we have provided individuals with high-quality representation and compassionate guidance. We approach every client with a focus on integrity, advocacy, and understanding.

“I would definitely recommend Van Ness Law for your bankruptcy needs.”
“I was also treated with respect and never felt ashamed or embarrassed because of the bankruptcy.”

- Degra S.
“Mr. Van Ness made this process smooth and worry free.”
“He really made me feel relief...Can't thank him enough.”

- Juanita B.
“Van Ness Law was very professional and kind during our tough time.”
“Such a sigh of relief to be on the other side of our situation now with all the help they provided.”

- Keith C.
“Mr. Charles Van Ness is a great man to whomever is in need of his service”
Mr. Charles Van Ness is a great man to whomever is in need of his service I would strongly recommend him to you… even though I did not accomplish anything from the estate he did work hard to try and do so I appreciate the effort and blessings to his

- Anna W.
“Love him. Very fast. Very nice. Answered all of my questions.”
“Glad I found him. Great guy! Thank you for your help and for being so thorough.”

- Former Client
“Mr. Van Ness explained everything in full detail and helped me understand the process.”
“I can’t thank Mr. Van Ness and the front desk ladies enough. You’ve taken a massive burden off of my chest that I’ve been dealing with for years.”

- Sarah R.
“I would recommend him to anyone needing legal assistance during a challenging time.”
“He was professional, well spoken, efficient, and affordable.”

- Kelley B.
“I can enthusiastically recommend Van Ness Law to anyone considering bankruptcy.”
“Charles is very good at explaining the various aspects of the process and answers any questions in a timely manner.”

- GN

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Bankruptcy Laws in Ohio

In Ohio, you have the right to choose which type of bankruptcy you want to file for. However, you must pass a means test to qualify for Chapter 7 bankruptcy. The means test will determine your disposable income, which is the amount of income you have left over after paying for basic necessities such as food, clothing, and shelter. If you pass the means test, you will be able to file for Chapter 7 bankruptcy. If you do not pass the means test, you will have to file for Chapter 13 bankruptcy.

If you have been contacted by a debt collector, you may be able to file for bankruptcy to get a fresh start. However, you will have to act quickly. Under the Fair Debt Collection Practices Act, debt collectors are only allowed to contact you twice per week. If you file for bankruptcy, the court will issue an order prohibiting the debt collector from contacting you.

Which Type of Bankruptcy Should You File for?

When you file for bankruptcy, you will have to choose which type of bankruptcy to file for.

The most common types of bankruptcy are:

Chapter 7: A Chapter 7 bankruptcy involves liquidating your assets in order to pay back your creditors. You will only have to pay back certain types of property, such as your home, car, and personal items. A Chapter 7 bankruptcy can be beneficial if you have little to no assets.
Chapter 13: A Chapter 13 bankruptcy involves creating a debt repayment plan that lasts between 3 to 5 years. You will have to pay back a portion of your debt and make monthly payments to a bankruptcy trustee. A Chapter 13 bankruptcy can be beneficial if you have significant debt, but you still have assets that can be used to pay back your creditors.

Don't Let Debt Control Your Life: Learn About Your Bankruptcy Options

Are you struggling with overwhelming debt and unsure of how to move forward? Bankruptcy may be a viable option for you to regain control of your finances and start fresh. At Van Ness Law, our experienced bankruptcy attorneys serving Mayfield Heights and the surrounding areas can help you understand your options and guide you through the process.

Bankruptcy can provide relief from:

Credit card debt
Medical bills
Mortgage or rental arrears
Car loans
Other types of debt

Our team can help you determine if Chapter 7 or Chapter 13 bankruptcy is the right choice for your situation. We will work with you to create a personalized plan to help you achieve financial stability and get back on track. Contact us today to schedule a consultation and take the first step towards a debt-free future.

Understanding Bankruptcy Options in Cleveland and Surrounding Areas

Living in Cuyahoga County, particularly in bustling areas like Cleveland, can come with its financial challenges. The stress can be immense whether you're facing unexpected medical bills, job loss, or overwhelming credit card debt. Fortunately, local resources such as the Cuyahoga County Government and the City of Cleveland assist residents in financial distress.

At Van Ness Law, we understand the unique economic landscape of Cuyahoga County. We know that many residents are dealing with the high cost of living and other financial pressures. Our team is here to help you navigate the complexities of bankruptcy filing, whether in Cleveland, Parma, or Lakewood. We can assist you in understanding your options, from Chapter 7 to Chapter 13 bankruptcy, and help you make informed decisions that align with your financial goals.

One of the most common concerns we hear from our clients is the fear of losing their home or car. Rest assured, our knowledgeable team knows Ohio's bankruptcy laws and can help you protect your most valuable assets. We also stay updated on local economic trends and legal changes, ensuring you receive current advice and support.

If you're considering filing for bankruptcy in Cuyahoga County, don't navigate this challenging time alone. Reach out to Van Ness Law for a free initial consultation. We're committed to helping our neighbors in Cleveland and the surrounding areas find a path to financial stability.

Why Choose Van Ness Law?

At Van Ness Law, we understand that bankruptcy is a difficult decision to make. However, our goal is to help you understand your options and make the right decision for your situation. We can help you determine if bankruptcy is right for you and guide you through the process. Our firm can also help you understand your rights as a consumer and take action against debt collectors who may be violating the law.

If you are interested in filing for bankruptcy, contact Van Ness Law online or call (440) 650-1787 to schedule a free initial consultation with our experienced Cuyahoga County bankruptcy lawyer.

Commonly Asked Questions

What are the different types of bankruptcy?

The most common types of bankruptcy for individuals are Chapter 7 and Chapter 13. Chapter 7 involves liquidating assets to pay off debts, while Chapter 13 involves creating a repayment plan.

Will filing for bankruptcy stop creditor harassment?

Yes, once you file for bankruptcy, an automatic stay goes into effect, which stops creditors from continuing collection efforts, including calls, letters, and lawsuits.

How long does bankruptcy stay on my credit report?

Bankruptcy can stay on your credit report for up to 10 years, but its impact on your credit score lessens over time as you rebuild your credit.

Can all debts be discharged through bankruptcy?

Not all debts can be discharged through bankruptcy. Debts like child support, alimony, most student loans, and certain taxes typically cannot be discharged.

What is the means test in bankruptcy?

The means test is a calculation used to determine if you qualify for Chapter 7 bankruptcy based on your income and expenses. If you don't pass the means test, you may still be eligible for Chapter 13 bankruptcy.

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At Van Ness Law, we focus on Bankruptcy, Personal Injury, and Estate Planning and we are here to listen to you and help you navigate the legal system.

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Extensive Bankruptcy Law Knowledge
Charles has a financial background and an MBA degree and is a leader in consumer and small business bankruptcy in Northeast Ohio.
30+ Years of Legal Experience
Knowledgeable and compassionate, ensuring that our clients get the results that they deserve.
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