Practice Areas Overview

Consumer Bankruptcy

Cleveland Consumer Bankruptcy Lawyer

When Susan M. Gray, Attorney at Law in Rocky River, Ohio serving surrounding communities including Cleveland, Lorain, Elyria, Bay Village, Middleburg Heights, Westlake, Garfield Heights, Maple Heights, and Cuyahoga, OH is on your side, your will feel you understand how your consumer bankruptcy proceedings will work, and that much stress will be removed from you life.

First of all, you will be confident knowing that your consumer bankruptcy case rests upon facts and application of laws to those facts. I am a consumer bankruptcy lawyer who actually works with the statutes and carefully applies your facts to the law. The Bankruptcy Code provides many more options than you would imagine. I will be happy to explore them with you.

I take the time to listen carefully to all the facts of your case. There is a time and place for expression of emotions, but when you have decided to file for bankruptcy, the courts are not interested in wild emotions. They want sober, clear-eyed discussions of the facts of your case. I will keep the focus, at all times, on making sure you complete your bankruptcy successfully.

Ohio Filing Personal Bankruptcy

We can talk about fixing credit reports, considering credit counseling or other options. But the bottom line is this: Once you file for personal bankruptcy, your creditors will be held at bay, while you get your financial house in order. The calls will stop, and you can take control of your affairs, perhaps for the first time in years.

Many clients worry that filing for bankruptcy shows a lack of responsibility. You may feel differently when you learn that you can finish paying for your car which had an original price tag of $17,000, but pay for it based on what it’s actually worth – say, $10,000 – in a Chapter 13 bankruptcy, according to which you pay what you can afford, and you can have the satisfaction of paying for the car, but without the outrageous interest rates.

OH Credit Card Debt Relief

If you are considering filing for personal bankruptcy via Chapter 7 or Chapter 13, contact me to be your advocate in bankruptcy court.