Wondering if you qualify for Bankruptcy?

Call Scott Ciolek at 419-740-5935 today for a free consultation.

Bankruptcy Attorney – Toledo, Ohio

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

Frequently Asked

Will creditors stop harassing me?

We will be able to almost immediately halt all creditor harassment following the initial filing of bankruptcy as certain protections kick in.

Can I be fired for filing for Bankruptcy?
No, the law prohibits private employers and the government from discriminating against you because you filed for bankruptcy.
Will ALL of my debts be discharged?

There are exceptions. For example, bankruptcy does not provide relief from financial obligations, such as child support, alimony, and government taxes. We’ll do a full analysis and discuss which debts may not be discharged in your situation.

Can I have too much debt to file Chapter 7?

Chapter 7 bankruptcy rules do not impose a limit on the amount of debt you can have.

How do I schedule a consultation?

Bankruptcy is complex, but we’re experienced and we’ll guide you through the process. The first step is to schedule a consultation. Please call us at 419-740-5935 or fill out the contact form on our website.


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