Experienced Ohio Consumer Bankruptcy Lawyer

Times are tough. The economy is unstable. Financial circumstances can easily grow out of control, resulting in unmanageable debt. It is important to know that choices exist.

At Calhoun, Kademenos & Childress Co., L.P.A., we offer you honest options and a straightforward approach to your financial concerns. Facing your debt with the support of a strong legal advocate can make all the difference.

Determining if Bankruptcy is Right for You

Everyone's situation is different. Bankruptcy is the answer for some and others take a different route. Many factors determine your need and eligibility to file bankruptcy. We discuss your options and the implications they may bring, helping you make an informed choice.

To learn more about our consumer bankruptcy, please follow the links below:

• Chapter 7 Bankruptcy
• Chapter 13 Bankruptcy

Credit Counseling is Required

In both Chapter 7 and Chapter 13 cases, debtors are required to undertake two sessions of credit counseling. The first, which takes approximately one hour, can be done over the phone and must be completed prior to the filing of the bankruptcy. The second session can be completed by two means: study information mailed out then do a quiz over the phone or complete the session including testing online. This second session is done post-filing. Minimal fees apply and are paid directly to the agency providing the credit counseling. In extenuating circumstances, these agencies may waive their fees.

Helping You Rebuild Your Financial Freedom

When you come to our office, you can be certain we are ready to hear your story. We understand that facing your debt is difficult. We are prepared to help you find a resolution to your problems.

We take pride in our reputation for trustworthy, accurate representation. Our accomplished bankruptcy attorney, Adrienne Hines, works with you to assess your specific financial situation. As an experienced legal advocate, she strives to maintain your best interests throughout the process.

Laurie, our legal assistant, has an extensive financial background. She offers you insight and information about how bankruptcy works and how to rebuild your financial matters once it is over.

We offer a free initial consultation to discuss your debt relief options. Our office is open during regular business hours, which are Monday through Friday from 8:30 a.m. to 5:00 p.m. Contact us today to take the first step down the road to financial freedom.

Calhoun, Kademenos & Childress, LPA

 

The Sandusky Ohio and Port Clinton Ohio offices of Calhoun, Kademenos & Childress Co., L.P.A. provide legal counsel to the cities of: Norwalk, Willard, Fostoria, Tiffin, Fremont, Bellevue, Clyde, Vermillion, Huron and Oak Harbor. We also serve the Northern District of Ohio, Western Division Counties including: Erie County, Huron County, Seneca County, Sandusky County and Ottawa County.