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Chapter 13

Chapter 13 Bankruptcy in Ohio & West Virginia

Filing for Chapter 13 Bankruptcy is never an easy decision to make. The mental strife that comes as a result of the negative stigma attached to bankruptcy often keeps people from seeking out the one thing that can help them. Here at the McCase Law Firm, our legal team will help you through every step of the bankruptcy process so you can get the fresh financial start you deserve. Contact us to schedule a consultation with a Chapter 13 bankruptcy attorney in Ohio and West Virginia.

What is Chapter 13 Bankruptcy?

A Chapter 13 bankruptcy, or wage earners plan, is a way to pay back creditors over a period of three to five years. After a debtor petitions the court for a Chapter 13 bankruptcy, they propose a repayment plan that can not exceed five years. This plan consolidates all of their debts into one, making repayment less stressful than ever before. The unique thing about a Chapter 13 bankruptcy is that debtors can keep their assets which many prefer over the liquidation process required under a Chapter 7. Since there is no liquidation process under Chapter 13, debtors are able to keep their homes, cars, and other essential assets.

Another benefit of Chapter 13 bankruptcy is that creditors have to stop collection practices during the three to five year repayment period.


Although the prospect of maintaining ownership of assets is more appealing to most people, not everyone is eligible for Chapter 13 bankruptcy. Individuals, whether employed, self-employed or the sole proprietor of a business, can file for Chapter 13 so long as their unsecured and secured debts do not exceed a certain amount. The debtor must also have undergone credit counseling within 180 days before filing. There are some exceptions, but our Chapter 13 bankruptcy lawyer can assist you in determining your eligibility.

Is Chapter 13 Bankruptcy Right for You?

Do you find yourself faced with an insurmountable amount of debt? You’re not alone, and there is no reason to be ashamed. Around half a million bankruptcies are filed annually in the United States, but a negative stigma is still attached to it. This is all the more astounding when we consider that the ability to pass bankruptcy laws was written into the Constitution and taken advantage of by such notables as Thomas Jefferson and Abraham Lincoln. 

Filing for bankruptcy is no minor issue, but it could provide the financial relief you need. If you’re tired of collection calls, the looming threat of repossession and foreclosure, an

Get Debt Relief with Chapter 13 Bankruptcy Attorney Matt McCase

Creditors are known to spend much more on collections than the debt is worth. Ignoring them won’t make the problem go away, but filing for bankruptcy could. Matt McCase is a Chapter 13 bankruptcy lawyer in Ohio and West Virginia, and he is ready to help you seek the bright financial future you deserve. Contact the McCase Law Firm today to schedule an initial case consultation with our legal team.

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