Chapter 13 Bankruptcy Attorney

Learn More About Filing Chapter 13 Bankruptcy

Chapter 13 Bankruptcy – Toledo, Ohio

Chapter 13 of the Bankruptcy Code is a reorganization of debts. Chapter 13 reduces your overall liability and spreads out payments to creditors over time.

Who qualifies to file for Chapter 13 in Lucas County, Ohio?

Only individuals with a regular source of income are eligible to be Chapter 13 debtors. Anyone is eligible for chapter 13 relief as long as your debts are less than $1,081,500 for secured debt and $360,525 in unsecured debt (these numbers change periodically). There are not any limits in Chapter 7.

Advantages of  filing for a Chapter 13:

  • Chapter 13 gives you a chance to save your home from foreclosure. Attorney Scott Ciolek will explain how to stop foreclosure proceedings in Chapter 13 and cure delinquent mortgage payments over time.
  • In a Chapter 13 bankruptcy, the bankruptcy judge may rewrite the mortgage on your residence and extend them over the life of the Chapter 13 plan. Doing this may lower the payments.
  • Get rid of a second mortgage on your home.
  • Protect third parties co-signers who are liable with you on consumer debts.
  • If your car was recently repossessed, we may be able to get it back.
  • In Chapter 13 you make the payments to a Chapter 13 trustee and then the payments are distributed payments to the creditors. You do not have to deal directly with creditors anymore.
  • If you have equity in real property or personal property, then there is an option under Chapter 13 to offer payment to creditors equal to payments that the creditor would receive from a Chapter 7 trustee.

How long does a Chapter 13 payment plan last?

Depending on the payment period is three to five years. The length of the Chapter 13 plan is determined by a calculation of your current monthly income.

Schedule a Free Consultation with a Toledo, OH Bankruptcy Attorney Scott A. Ciolek

If you’d like to discuss whether Chapter 13 or Chapter 7 is right for you, please contact Toledo Chapter 13 bankruptcy attorney at 419-740-5936 or use the contact form on this page.

Frequently Asked

How can I schedule a consultation?

Call us at 419-740-5935 or fill out the form on our website to schedule a free consultation.

Why would someone pick Chapter 13 over Chapter 7?

In a situation where a person has a considerable amount of nonexempt property or a lot of valuable exempt property used as security for debts, this property could be lost in a Chapter 7 case.

Am I required to use an attorney?

While use of an attorney is strongly encouraged, it is not required.

What information will you need?

We’ll need personal information like the social security numbers of you and your spouse, recent addresses, proof of income for a minimum of the past 6 months, asset information like mortgages or property titles. details on retirement accounts, like retirement accounts, insurance policies, etc. Our bankruptcy case manager will work with you to get all of this information to our office.


Chapter 7 Bankruptcy

Chapter 7 Bankruptcy provides one of the quickest ways to get a fresh start and stop the stress of creditor calls, garnishments, and lawsuits.

Chapter 13 Bankruptcy

Chapter 13 Bankruptcy offers property protection and debt discharge in exchange for a commitment to pay back all or a portion of your debts through a payment plan.

Image of a Single Family Home

Mortgage Modifications

Depending on the situation, it may be possible to negotiate modifications with your lender, resulting in a lower interest rate, a lower monthly payment, extending the length of the loan, etc. 

How Can We Help?


“We were extremely impressed with the quick response to all questions, calls and emails. Scott was very clear in explaining the process and treated us with the utmost respect.” - Ohio Client

Ciolek LTD.
901 Washington St.
Toledo, Ohio 43604
Ph: 419-740-5935
Fx: 866-890-0419