525 Avon Belden Rd Suite 5 Avon Lake, Ohio 44012-2207
Chapter 7 and 13 Bankruptcy
A Reliable Bankruptcy Attorney
Bankruptcy Doesn't Have to Be Scary
When you are considering filing for bankruptcy, it can be overwhelming. You are not sure where to start, and you want answers to your questions.
James B. Kerner Atty has helped over 3,000 local residents file for bankruptcy. We are dedicated to helping clients get a fresh start. We provide reasonable rates, and we will work with people on any budget. Contact our bankruptcy attorney today.
Chapter 7 Bankruptcy
The choice of most filers
Most debts are discharged
Doesn't apply to most taxes, student loans, and domestic support obligations
Homes, vehicles, retirements, jewelry, and household goods are generally maintained
Good for people with inadequate income to cover beyond reasonable living expenses
Chapter 13 Bankruptcy
Debts are restructured and paid back over 3 to 5 years
Good for people with incomes or assets too high to qualify for Chapter 7
Pay back missed mortgage payments over three to five years and save your home
Vehicle and home loan payments are still maintained
Second mortgages and judgment liens can oftentimes be stripped off and rendered as unsecured loans
FREE initial consultations. Call us at
Most Chapter 7 filings are $650.00 plus court fees! James B. Kerner Atty is a local legal firm located in Avon Lake, OH.