Ohio Bankruptcy Attorneys & Debt Relief Lawyers

Harold Jarnicki & Associates

576 Mound Court, Suite B
Lebanon, Ohio 45036
USA

937-697-4037

513-282-4113

www.haroldjarnickiandassociates.com

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Law Firm Overview Free Consultation

At the Ohio law firm of Harold Jarnicki & Associates, we are aware that bankruptcy is a surprisingly complex area of the law. Unlike doing tax returns, there are decisions that need to be made, opportunities that need to be considered, and it's not just about gathering numbers and filling out forms. For that reason, the right bankruptcy attorney can make a big difference.

Harold Jarnicki, the founder of the firm, knows bankruptcy, because he has served as a bankruptcy trustee since 1975. He is a frequent speaker at national and regional bankruptcy seminars, and is called upon to serve as an expert witness on the topic. He has also served as president of the Warren County Bar Association, and has been appointed by the Cincinnati Bankruptcy Court to oversee bankruptcy cases by administering the bankruptcy court hearings, known as the Meeting of Creditors. Jarnicki’s experience has helped people, like his clients, overcome debt; the knowledge he has gained in this position, has proven critical to him and to our other attorneys. We know the nuances and the inner workings of the process. We know the finer points of the complex bankruptcy laws. We know what trustees and creditors can and cannot do. We know the full range of options available to help you overcome your debt.

We have earned our reputation amongst peers and in the community through our careful and considered representation. We realize the importance of exploring all other options and not just rushing into available ones. We will find out about your specific situation and we will make certain that the option chosen is truly the best option for you.

Practice Areas

Bankruptcy

Practice Areas Description

- Bankruptcy

If you are considering bankruptcy, you are probably worried. You are likely stressed out and maybe even embarrassed that things have come to this, even though your debt problems may very well have been caused by situations out of your control.

When you come to the law firm of Harold Jarnicki & Associates, our attorneys will provide you with the peace of mind that you have options and an experienced advocate on your side. You will walk out of your free initial consultation feeling comfortable and relieved because you will understand how we can help you overcome your debt and get a fresh start.

- Chapter 7 Bankruptcy

The most common form of bankruptcy is Chapter 7. This form of bankruptcy is designed to help you eliminate the vast majority or all of your debt, from credit card debt to medical bills, all at once. At the law firm of Harold Jarnicki & Associates, our attorneys have more than 35 years of experience helping people like you overcome debt through Chapter 7 bankruptcy.

- Chapter 13 Bankruptcy

Chapter 13 bankruptcy allows you to consolidate your debt into one monthly payment and pay your creditors back a portion of what you owe. In almost every case, you do NOT have to pay back all of your debt in full! Many cases pay back only pennies on a dollar, as low as one to five cents on a dollar. The debt is paid back with no interest or late fees. At the law firm of Harold Jarnicki & Associates, our attorneys have more than 35 years of experience helping people like you use Chapter 13 bankruptcy to overcome debt.

- Foreclosure Defense

There are two ways to legally stop foreclosure. The first is to catch up on the missed payments and late charges that led to the foreclosure in the first place. Of course, this is often impossible because the missed payments often add up to thousands of dollars in arrearages. It is very difficult to get caught up on a mortgage that's months behind. Many times, the mortgage company will no longer accept your payments once the foreclosure has been filed.

- Repossession Defense

If you are behind on your vehicle payments or have been threatened with having your car, truck or motorcycle repossessed, it is important to know that you do not have to let this happen. Filing bankruptcy legally stops vehicle repossession. It puts an automatic stay into place that stops all creditor actions against you, including repossession of your car and other property.

- Wage Garnishment

Have you been sued by a creditor? Does a creditor have a judgment against you? Are your wages or bank accounts being garnished? Has a creditor threatened to do so? We can make it stop. Filing Bankruptcy puts an automatic stay into place that stops all creditor actions against you, including lawsuits, wage garnishment and bank account seizures.

- Stopping Utility Shut-Off

Are you behind on your utility bills? Have you been threatened with having your power shut off, or has it already been shut off? Have you been threatened with having your phone or cell phone shut off, or has it already been shut off? You can stop utility shut-offs. Filing bankruptcy puts an automatic stay into place that stops all creditor actions against you, including actions caused by past-due utility bills.

- Creditor Harassment

One of the most stressful parts of being in debt is dealing with the phone calls from creditors. Even if the callers are not being rude they are simply calling too often. The daily calls are unnecessary and inappropriate. They may even call your work and your neighbors. This is not only embarrassing, it can put your job in jeopardy. Turning your phone off or ignoring the calls is not the only option. Filing bankruptcy puts an automatic stay into place that stops all creditors from calling you, sending you letters, or having any contact with you at all.

- Credit Card Debt

Credit cards are convenient and simple to use. Combine that with the high interest rates on the majority of cards and it is very easy to accumulate a great deal of credit card debt in a short amount of time. If you have found yourself overwhelmed by credit card debt, either by itself or along with other debt that you have to deal with, it is important that you know the options available to get your financial situation back under control.

- Bankruptcy and Divorce

Financial issues and money problems are one of the leading causes of divorce. Especially in today's economic climate, most families are stressed because of their financial situation. Financial problems can result in relationship conflicts, which in turn can lead to divorce. Unfortunately, divorce does not make the financial problems go away. In fact, it may make matters even more difficult.

- Eliminating Medical Bills

Sometimes debt sneaks up slowly. Other times, it hits all at once. Rarely do people expect to encounter serious medical conditions. When they do, the bills start to pile up quickly. Even people with medical insurance may find that their out-of- pocket costs are more than they can afford. If you have been overwhelmed by medical bills, you should be aware that there are options to help eliminate these debts.