I'm attorney Jon Ginter, a bankruptcy attorney in Cleveland, Ohio. As a Cleveland bankruptcy lawyer, I have handled over 2,000 bankruptcy cases in Ohio and I am an expert in Chapter 13 and Chapter 7 bankruptcy. But what's more important is that I care about my clients. I answer all of my bankruptcy client's calls personally and promptly answer all emails and texts.
I will guide you step-by-step through the bankruptcy process and personally tutor you on how to rebuild your credit. Are you looking for a fresh start? If you're in Cuyahoga County, Lorain County, Geauga County, Lake County, or any of the surrounding areas around Cleveland and looking for a Cleveland bankruptcy lawyer, call (216) 526-0309 to set up your appointment today for a free consultation.
I will guide you step-by-step through the bankruptcy process and personally tutor you on how to rebuild your credit. Are you looking for a fresh start? If you're in Cuyahoga County, Lorain County, Geauga County, Lake County, or any of the surrounding areas around Cleveland and looking for a Cleveland bankruptcy lawyer, call (216) 526-0309 to set up your appointment today for a free consultation.
Services
Chapter 7 Bankruptcy
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The two most common types of bankruptcy in Cleveland, Ohio are Chapter 7 and Chapter 13 bankruptcy. Chapter 7 wipes out most of your debts in 120 days, while Chapter 13 is a 3-year to 5-year payment plan where you pay back part of your debt and the rest is eliminated. Chapter 7 is a better fit for most people who are looking for a bankruptcy lawyer in Cleveland, Ohio.
Chapter 13 Bankruptcy
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There are two types of bankruptcy that apply to individuals in Cleveland, Ohio, Chapter 7 bankruptcy and Chapter 13 bankruptcy. Chapter 7 wipes out most of your debts in 120 days, while Chapter 13 is a 3- to 5-year payment plan where you pay back part of your debt and the rest is eliminated. Chapter 7 bankruptcy is a good fit for many individuals, but Chapter 13 bankruptcy provides unique benefits that make it a better option in a lot of cases.
Liquidation
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The term "liquidation" is often applied to Chapter 7 bankruptcy, but what does this mean, and what does it look like in practice? To understand this in context, you should first know that when you file a Chapter 7 bankruptcy petition with the Court, a trustee is appointed to review your case.
It is this trustee's job to review your assets, as they have been disclosed in your bankruptcy schedules, and determine if there are any items of non-exempt property that they can take and liquidate for the benefit of your creditors.It is the job of this trustee to diligently seek to acquire assets, and they are self-motivated, as they keep a portion of the amount of assets they turn over in the cases they have been assigned to.
It is this trustee's job to review your assets, as they have been disclosed in your bankruptcy schedules, and determine if there are any items of non-exempt property that they can take and liquidate for the benefit of your creditors.It is the job of this trustee to diligently seek to acquire assets, and they are self-motivated, as they keep a portion of the amount of assets they turn over in the cases they have been assigned to.
Reorganization
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A percentage is paid upon the unsecured debts (think credit cards, medical debt, loans without collateral attached) in a Chapter 13 case, and the interest on these unsecured amounts freezes at the point of filing. This is of great benefit to the filer, and lets them assert more control in resolving these debts.
Testimonials
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Jon Ginter is an excellent attorney. Not only is he knowledgeable and experienced, he is also a good guy. If you're looking for a good bankruptcy lawyer in Cleveland, Ohio, it'd be difficult to find a better bankruptcy attorney in Cleveland than Jon Ginter, he is the best. Mr. Ginter provided an excellent service.
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