Vance P. Truman, Attorney at Law
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Understanding the means test for Ohio Chapter 7 bankruptcy

When you discover that your debt is overwhelming, you may want to curl into a ball and pretend it will all go away. Unfortunately, it won't. Once you realize that you are in over your head, you have to make the decision to make a change. In some cases, that time only comes when you get served notice of a pending lawsuit from a creditor or a pre-foreclosure letter from your mortgage lender.

Top reasons why people file for bankruptcy

If you have found yourself overwhelmed with debt, you are not alone. On average, more than a million people across the country have filed for bankruptcy during the prior year. You may even know a neighbor or friend in Medina that has either already filed or is considering filing for bankruptcy.

Will bankruptcy eliminate all debts?

You have a lot of different debts, and you're tired of it. You're 40 years old, and you want a fresh start. You decide that bankruptcy is the way to go. You've learned a lot about your finances over the years, after all, and you're confident that you can make better choices moving forward. You just want to eliminate all of your debt and start again with this new knowledge and this new focus.

What's the biggest fear with Chapter 7 bankruptcy?

The biggest fear associated with Chapter 7 bankruptcy comes largely from Hollywood movies where you see the arc of a famous person's life. Suddenly, the person becomes famous and wealthy too fast. Spending gets out of control, and the next thing you know the sports star, rocker or movie star has to file for bankruptcy.

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Medina, OH 44256

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Fax: 330-722-3410
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