Cincinnati and Colerain, Ohio, Bankruptcy Lawyer
The Law Office of John W. Rose works exclusively in bankruptcy law and in practice areas directly related to the problems that our bankruptcy clients face. Our practice areas include:
- Chapter 7 bankruptcy. This "fresh start" option can be used to eliminate unsecured debt, while allowing you retain personal and household property, and possibly, your home and car.
- Chapter 13 bankruptcy is designed for people who face unmanageable debt, yet have enough income to make payments on cost-of-living expenses with some income left over. Chapter 13 allows participants to retain all property while paying off unsecured debt.
- Stopping mortgage foreclosures. Lenders are increasingly willing to work with borrowers and attorneys to make new payment arrangements. Bankruptcy can also be a highly effective tool in halting foreclosures.
- Stopping creditor harassment. The Fair Credit Reporting Act and Fair and Accurate Credit Transactions Act (FACTA) forbid creditors and collection agencies from a broad range of harassment tactics and also protect consumers' rights when dealing with credit agencies.
- Stopping wage garnishment. Ohio law now allows creditors to garnish each paycheck up to 25 percent, even if you are paid weekly.
- Credit restoration. We can work to ensure that your creditors and credit agencies treat you fairly and competently, so that you are able to access the loans and pay the interest rates you deserve.
- Bank accounts seizures. Creditors can seize bank account assets two, three and even four years after obtaining a court judgment, taking your money when you least expect it.
- Automobile repossession and lease returns. Bankruptcy and other legal tools can keep you in your car and minimize the financial damage from disputes with car leasing companies.
- Creditor lawsuits. Creditor lawsuits are the first step that creditors take when pursuing the right to foreclose, seize and repossess your property. We are committed to protecting your property and have helped thousands of individuals.
Contact Us
If you have questions regarding bankruptcy law, call us for a free initial consultation. We charge competitive fees, offer flexible payment schedules and are available for flexible appointments as needed. Our firm is easily located on the corner of 7th and Vine, and we also operate an office in Colerain for clients' convenience. To contact an attorney, call (513) 729-7196.
