Ohio Bankruptcy Protection: Stop the Bleeding with Harold Jarnicki & Associates

Defense Against Salary and 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.

At the law firm of Harold Jarnicki & Associates, our attorneys have been helping people like you keep your wages and savings for more than 40 years. Our goal is to protect and save your hard earned money.

Wage Garnishment Makes Matters Worse

Garnished wages present an ongoing dilemma. When people are overwhelmed by debt, they do everything they can to stretch their paychecks. They cut their own costs, but they still need to pay for food and other necessities. They do what they can to chip away at their debts, but there is simply not enough money to go around. When one creditor files a lawsuit, gets a judgment and has your wages garnished, it makes matters worse. While one creditor is now getting money, the other creditors are getting even less. They may file suit against you as well. You quickly sink further and further into debt. After receiving a judgment, creditors can also seize any money deposited in your bank accounts.

If this has happened to you, the stress you feel as your financial situation becomes more bleak can be hard to deal with, to say the least. We will put that stress behind you by helping you get a fresh start on your financial situation. Filing bankruptcy eliminates not only the wage garnishment, but all other creditor actions as well.

Stop Wage Garnishment and Sort Your Finances Out

Filing bankruptcy immediately stops wage garnishment so you can breathe easier. It is also designed to be a permanent solution to your debt problems. By filing Chapter 7 bankruptcy or Chapter 13 bankruptcy, you are eliminating your debt so you can receive the entire paycheck you earned, not just a portion after garnishment. Our lawyers will review your situation and show you all of the options available.

Stopping Utility Shut-Off

There Are Answers to Having Your Utilities 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.

Past Due Utility Bills Are Dischargeable in Bankruptcy

Some people have a few large debts that are causing them undue stress. Some have a lot of fairly small debts, such as old utility bills, that have grown out of control.

Even if past due energy bills and phone bills are a small part of your overall debt problem, they may become a major issue if they have caused your power or your phone to be shut off. This can be especially problematic for businesses, potentially resulting in major financial loss. We will work quickly to stop utility shut off and to get your power or your phone turned back on, while wiping out the old unpaid amounts due.

Is Utility Shut-Off Just a Small Part of the Problem?

Bankruptcy is a powerful solution. It can eliminate old phone bills, old power bills and other utility bills. It can also help you overcome all other debts that are causing you stress. Our lawyers will review all of your options, including Chapter 7 bankruptcy and Chapter 13 bankruptcy. We will find a solution to your debt problem.

For more than 40 years, the attorneys at the law firm of Harold Jarnicki & Associates have been helping people like you keep your utilities on.

Stopping Creditor Harassment

Credit Card Debt

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.

At the law firm of Harold Jarnicki & Associates, our attorneys have specialized in bankruptcy for more than 40 years. We will use that experience to help you stop creditor harassment and get your financial situation in good shape.

Are Your Creditors Breaking the Law?

There are rules that creditors must follow when they try to collect a debt. However, many creditors do not follow these regulations, because there is very little enforcing of the rules. Some creditors will resort to inappropriate threats of lawsuits and even prison. Some will sink so low as to call family members and employers. These creditors need to be stopped. We will put an end to the harassment, including ALL phone calls, collection letters, and bills.

Even the creditors that follow the rules often fail to listen. The first few times they called, you probably tried to explain your situation. Perhaps you even thought they understood that you were doing everything within your power to pay them back by stretching your paychecks as far as they can go. You probably gave up on that approach after they kept calling, asking the same questions, as if expecting a different answer. You do not have to deal with this. There is a way to make it stop, and our lawyers can help.

Stop Creditor Harassment and Overcome Your Debt

Bankruptcy is designed to be a permanent solution. Not only does it stop bill collectors from calling, it allows you to eliminate credit card debt and all other unsecured debt. We will review all of your options, including Chapter 7 bankruptcy and Chapter 13 bankruptcy, and help you find a solution to your debt problem.

Contact Us for Your Free Initial Consultation

At our law firm, we understand that you work and that you have time constraints. We strive to make our services and appointment times as flexible as possible. We are happy to arrange meetings on evenings and weekends as necessary. We serve clients throughout the Lebanon, Mason, Middletown, Wilmington, Hillsboro, West Chester, and Batavia areas. We are able to serve clients in the Highland, Warren, Clinton, Butler, Clermont, Montgomery, Hamilton and Greene Counties counties as well.

Discuss your case with our defense attorneys to stop utility shut-off and creditor harassment by contacting us today. We serve clients throughout the Lebanon, Mason, Middletown and West Chester area.