I went to school in Akron before establishing my practice in Fairlawn. Ohio is my home, and I’ve made it my mission to help people throughout Summit, Stark, and Medina County. For nearly 15 years I have provided guidance and support for individuals filing for bankruptcy, and for business owners seeking legal counsel for various legal issues. Regardless of the circumstances that bring you into my office, I'm committed to doing all I can to help you find a solution. Call me today to schedule a consultation so I can begin to lay out your options for moving forward.
Chapter 13 bankruptcy is where a payment plan is put into place that is based on your disposable income. It provides for debts to be paid over a period of time. With respect to your unsecured creditors (like credit card and medical bills), you often end up paying them only a fraction of what you owe them.
Chapter 7 bankruptcy is mistakenly thought to be a complete liquidation of your assets, which is far from the truth. With this form of bankruptcy, you can often keep your house, your cars, your possessions. Considered a “Fresh Start”, a Chapter 7 bankruptcy discharge completely eliminates your unsecured debts.
Another tool used when you are in financial distress is debt reduction. This approach does not involve the courts, rather it relies on the direct negotiation of your debts with creditors. Having a skilled negotiator on your side can allow you to reduce your overall debts and monthly payments considerably.
When you’re trying to handle so many tasks at once in regards to your business — not to mention customers and additional daily duties — it’s tempting to put off the tough decisions. However, it’s crucial that you never lose sight of the bigger picture and how each of those choices will affect your business down the road. That’s where I come in. I know the business industry like the back of my hand, and I know what steps you need to take in order to ensure that you’re making choices that will stand strong now and in the future.
On a similar note, your current financial state is the result of countless decisions that you have made in your past. You may have found yourself under a pile of debt while you continue to put off the decision to file for bankruptcy or seek legal help. The longer you put that decision off, the more difficult it may be to recover. Whether you want to file for Chapter 7 or Chapter 13 bankruptcy, or you simply need assistance with debt reduction, I will be there for you with sound and strategic legal advice, every step of the way.
Clients come to me with a variety of queries, from guidance with their business ventures to taking control of their finances. Some need help getting started, some have run into an unexpected legal dispute, and others have been hit with the realization that their life may fall to the wayside if they don’t make a succession plan. At every stage, I offer guidance and support.
I can help you with a wide range of options. Chapter 7 bankruptcy is typically for those with lower incomes and limited assets. Chapter 13 bankruptcy, also known as "reorganization bankruptcy", allows you to rearrange your debts into a single payment plan that you can slowly pay off. Finally, debt reduction is a way to take care of your debt on your own without involving the courts.
Each decision you make has the potential to impact your business later on. That’s why it’s vital to elicit the help of a seasoned legal professional. Before you sign any contracts, before you take part in negotiations, before you enter into any new agreements — consult with your attorney.
Succession planning is one aspect of running a business that many owners fail to consider until they’re much older. Really, though, it’s an important piece of the puzzle. There’s nothing more disheartening than the thought of putting in all that work now just to have your business disappear after you’re gone. You’re building a legacy. Make sure you’re taking steps to protect it, too.