Compassionate, Trustworthy, Knowledgeable
Any financial debt can be solved. Average income families may obtain a fresh start immediately and in some cases, discharge all debt in Chapter 7 bankruptcy.
In Chapter 13 bankruptcy, the debtor family pays as much as they can reasonably afford, as defined by the law and courts. Individuals or families with above average incomes, as of recently, can utilize a repayment plan through Chapter 13 bankruptcy reorganization.
• Chapter 7 bankruptcy - available to individuals, families with average or below average
• Chapter 11 bankruptcy - available to businesses or corporations
• Chapter 13 bankruptcy - available to individuals, married couples, and families with
above average income or those trying to save a valuable asset, such as a car or home
We know that from time to time people need legal advice and representation. Therefore, we strongly believe in fair, affordable fees.
If you are behind with house payments, you may enter into a plan that spreads repayment of missed payments over months or years, and keep your house in the process.
We're always happy to provide a FREE consultation for your bankruptcy needs.
“I was initially overwhelmed by all the issues regarding filing a bankruptcy. Attorney Paul Bayer provided me with all of the answers to my questions and was very patient and took the time to make sure I fully understood all of the complexities of filing a bankruptcy.”
- Mark H., Euclid, Ohio
Even with recent changes in the bankruptcy code, you may still discharge debt and keep your house and car.