About Susan M. Gray | Attorney at Law

Susan M. Gray is a sole practitioner representing clients in need of bankruptcy and consumer protection in Rocky River, Ohio, also serving clients from surrounding communities including Cleveland, Lorain, Elyria, Bay Village, Middleburg Heights, Westlake, Garfield Heights, Maple Heights, and Cuyahoga County, OH.

The law firm is a debt relief agency. Since I help clients file for bankruptcy, I can offer clients more options than non-legal alternatives such as debt consolidation and credit counseling. This provides clients with the powerful protection of federal law, which no non-bankruptcy alternative can offer.

I operate my bankruptcy practice on several key principles for the benefit of my clients:

• Knowledge of the Bankruptcy Code provides the most valuable tool to plan for a successful bankruptcy;
• Every case turns on its own facts, so we need very careful and precise knowledge about your financial facts and your personal goals. Your case hinges on facts, which take precedence at all times;
• A job worth doing is a job worth doing right, and doing it right requires getting to know you and your goals;
• Bankruptcy is about getting a fresh start, not about failure, and you have far more options than you would imagine;
• Consumer protection acts exist to protect you!

If you are considering consumer bankruptcy or small business bankruptcy, contact me for a free consultation, where we can explore the facts of your situation to determine whether and how bankruptcy and consumer protection statutes can be used to help you. Contact me before you get that second mortgage, or mortgage refinance.

Cleveland Foreclosure Defense Law Firm OH

Are you living in fear of foreclosure, or struggling with garnishments, threatened repossessions, pending lawsuits or harassing creditor calls? Are you facing bankruptcy litigation ? I have the experience and understanding to help you achieve a “fresh start.” Applying the provisions of the Bankruptcy Code is complex. You need a consumer bankruptcy attorney like Susan M. Gray to help you figure out how to use the law to help you sort out you financial troubles and get some protection from your creditors. You have many options; your creditors are not “all powerful”.

Consumer Bankruptcy Lawyer

I know the laws governing consumer bankruptcy are changing. I also know that consumer bankruptcy for insolvent persons is a right long-guaranteed by Congress. Even under the new law, bankruptcy protection is still available. The new law is simply a different tool that we learn to use for your benefit. The precise form of bankruptcy that you will qualify for is something we can determine only through thoughtful dialog about the facts of your case.

Consumer Protection, Tax Discharge, Chapter 7 & 13

Let me show you how to claim your rights as they are spelled out in consumer protection acts. We will discuss under what circumstances some taxes may be discharged. I will clarify whether Chapter 7 or Chapter 13 bankruptcy will be appropriate to your situations. Contact me as soon as possible.