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Take Control of your Future with a Chapter 7 and Chapter 13 Bankruptcy Attorney in Columbus

Wendi Henderhan, Columbus Bankruptcy Attorney

Meet Wendi

Nobody ever wants to hire a bankruptcy lawyer in Columbus, Ohio, but there are times when seeking legal advice becomes the only way to properly protect your financial welfare and assets. If you are seeking a bankruptcy lawyer in Lancaster or Columbus, I will provide you with professional, experienced counsel and ensure your rights are protected and your assets secured.

Whether you’re looking for a bankruptcy attorney in Columbus or Lancaster, Henderhan Law is here to help you. Rest assured that as a client, you will be treated with the respect and dignity you deserve. The goal of your appointment is to ease your concerns, not add to them.

I believe your lawyer should make you comfortable and treat you like an individual, and this is one of the most important aspects of how to choose an attorney.

I understand that financial trouble can happen to anyone, and it doesn’t mean you’ve done anything wrong. I’m here to offer not just a way out, but a way forward and a fresh start.

Why Should You Hire a Bankruptcy Lawyer in Columbus?

Many people in Central Ohio are facing financial difficulties like mounting medical bills, home foreclosure, car repossession, and lawsuits. Threatening creditor calls and letters make these situations even more stressful. Some companies advertise debt relief, but actually, make financial problems worse by preying on people who aren’t familiar with their financial rights and options.

There is hope. Bankruptcy laws exist to help people get out of debt and get a fresh start. I have over 15 years of experience helping clients as a bankruptcy attorney in Columbus, Ohio, and I am confident that no matter what financial crisis you may be facing, there is a path forward for you as well.

Call or message me for a free consultation to learn more about your options and start on your path to financial freedom.

Wendi Henderhan, Columbus Bankruptcy Attorney

Chapter 7 is sometimes referred to as “fresh start bankruptcy,” this is the type most people think of when they think of bankruptcy. If you meet certain qualifications, Chapter 7 is designed to help individual consumers and families get a clean slate from debts. Let me help you get a new financial beginning.

Chapter 13 bankruptcy plans help our clients protect their property while making an affordable, budget-based payment to their creditors. Unlike debt settlement companies who can increase your debt through fees and leave you vulnerable to lawsuits, Chapter 13 is a dignified plan that offers protection from Creditors under Federal Bankruptcy Law.

Should You Consider Chapter 7 Bankruptcy? Do you need a Columbus Bankruptcy Lawyer?

Chapter 7 bankruptcy is what most people think of when they think of the word “bankruptcy.” Also known as “fresh start” bankruptcy, this is the form of bankruptcy that allows you to wipe most types of outstanding debts clean and truly give yourself a new beginning.

Some of the types of debt that can be discharged include:

  • Credit Card Bills
  • Medical Bills
  • Personal Loans
  • Past Due Utility Bills
  • Repossession Balances
  • Foreclosure Balances

These debts, as well as other unsecured debts, can be completely wiped away, but some types of debts, such as student loans and some back taxes, cannot. Navigating the different types of debts and determining the right path forward for financial freedom is why hiring a bankruptcy attorney in Lancaster or Columbus is so important.

Learn more about Chapter 7 bankruptcy here, or contact me today for a free consultation! And remember, during your consultation, you speak with me directly, not a paralegal or assistant. If you’re trusting someone to help you with your finances, I want to be the one to earn that trust.

Financial frustration can lead to Chapter 7 Bankruptcy
Relieve debt headaches with Chapter 13 Bankruptcy

What About Chapter 13 Bankruptcy? Do you Need a Bankruptcy Lawyer in Columbus?

As an experienced bankruptcy attorney in Lancaster, Ohio and the greater Columbus area, I have helped many people file Chapter 7 and Chapter 13 bankruptcy to turn their financial fortunes around.

However, the features of Chapter 7 and Chapter 13 bankruptcy themselves are very different, and it’s important to weigh the options of both before choosing a path forward.

While Chapter 7 bankruptcy is largely about digging out of a financial pit by wiping away outstanding debts, Chapter 13 bankruptcy deals more with restructuring debts to ease the burden of repaying them.

With the help of a bankruptcy attorney in Columbus, Chapter 13 bankruptcy may help you to stop foreclosure actions, prevent repossession of a vehicle, lower interest rates on vehicle payments, resolve tax debts and liens, and potentially even strip away a second mortgage.

Learn more about Chapter 13 bankruptcy or talk to me about it directly by scheduling your free consultation!

Bankruptcy FAQ's

This depends on some factors. If you are behind on a few payments you may not need a bankruptcy. Depending on your circumstances there may also be alternative actions you can take to repay debt without bankruptcy. Bankruptcy protection is a tool of last resort, designed to give you a fresh start by wiping away most of your eligible debt.

Yes, Chapter 7 and Chapter 13, and there are standard debt and income/asset limits to qualify for either plan.

Legally, you are permitted to file a bankruptcy without an attorney (known as pro se). However, the Federal Bankruptcy Courts do not make this an easy process!

There are exemptions for both Chapter 7 and Chapter 13 bankruptcy that can help you keep the home you live in and protect any home equity. Called Homestead Exemptions, most people qualify for these exemptions provided that the property is their primary residence.

If you are behind on your car payments due to financial difficulties, all is not lost. You may be able remedy this and save your vehicle from repossession with a Chapter 7 or Chapter 13 bankruptcy plan.

Looking for Estate Planning in Columbus?

I’m not just a bankruptcy lawyer in Columbus for when you’re in financial trouble, I can also help you plan for your family’s financial future.

Having an estate plan in place is often overlooked as an important way to make sure your wishes are heard in the case of death or disability. Even for young, healthy people, drafting a will is one of the most important things you can do to make sure that your assets end up with the people you care about.

Living wills and healthcare power of attorney are also important to establish, so you can ensure that you can still make your own medical decisions if you are ever in a position where you need care, but cannot communicate with your doctor.

Contact me for a free consultation to learn more about planning for your future and your family’s future!

Estate planning for your financial future

Columbus

6649 N. High St
Suite 106
Worthington, OH 43085
Phone: 614-738-9695

Lancaster

1303 River Valley Blvd.
Unit A,
Lancaster, OH 43130
Phone: 740-361-6518