See What Our Clients Say

Ciolek Ltd. Client Reviews

“Scott walked down a very confusing and scary path with me and changed the experience from one of the most negative in my life to one that was tolerable and over quickly. He knows more about how to use the law to his client’s benefit than any other attorney I have ever met. His confidence was contagious and his humor took the edge off of some very tense moments for me. I would recommend Scott and his team to anyone who wants a legal powerhouse in their corner and I’m very willing to stand behind this recommendation by offering to speak in greater detail to anyone who want to know more about my experience with him.”

Avvo Client Review

“My wife and I hired Mr. Ciolek to file a Chapter 7 bankruptcy for us. It was an embarrassing situation to be in but he made us feel comfortable discussing our financial situation with him… The entire process was less stressful because his office kept us updated and prepared us for each step. I’d recommend him to anyone in financial distress!”

Avvo Client Review

“Scott and Lauren were very helpful and respectful throughout the entire process. We never felt nervous or scared because they knew their business and explained everything very well. We are so grateful to have found Ciolek LTD. I can’t imagine a better group to work with. Thank you for helping us get our life back!”

Avvo Client Review

“If we had any questions at all they were answered promptly and always had it answered.  We felt that Ciolek LTD. was always there when we needed them and they always told us to contact them at any time.”

Ohio Client

“Prompt Phone Calls!”

Ohio Client

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

“I endorse this lawyer. Scott is well respect among his peers and clients. He has the expertise and experience to do an excellent job representing you. He is a professional on every level.” 

Attorney on Avvo

“I have referred many clients to Scott with very good results. Scott is patient, hard working, and has a unique interest in the practice of law. He is willing to fight the good fight and do the research necessary to get his clients great results.”

Attorney on Avvo

“I endorse this lawyer. I have had the pleasure of knowing Scott from prior to his entering the practice of law. He is so intelligent and approaches the law with such a unique approach and with such effort and dedication that I have seen him get results for his clients that were not imagined (by the client or by other attorneys) at the outset. Scott is never content to settle into a “business as usual” attitude regarding his client’s matters and he will explore and exploit all possible avenues in his representation of you.”

Attorney on Avvo

“I endorse this lawyer. Attorney Ciolek is well respected among bankruptcy practitioners in our community. I have personally heard him speak at legal continuing education events and can attest to his wealth of experience.” 

Attorney on Avvo

“Ciolek LTD exceeded my expectations from start to finish. I live in Columbus and found the firm via a Google search. I was a little nervous that it would be hard to communicate with me living 2+ hours away but it was not. From my initial conversation which lasted over an hour to my endless amount of emails, everyone at the firm kept me informed and made me feel at ease throughout the entire process. I can’t tell you how highly I recommend this firm, they are the absolute best.”

Ohio Client

Frequently Asked

Can bill collectors still contact me after filing Chapter 7?

When a bankruptcy petition is filed, something called the “automatic stay” goes into effect immediately. This essentially prevents creditors from taking any further action to collect on most types of debt without a court order. There are some exceptions to the automatic stay (ex. a domestic support obligation) but for the most part any collection action such as lawsuits, eviction proceedings, foreclosures, and harassing phone calls all stop once the petition is filed.

How long does a Chapter 7 usually last?

Once you file a petition for Chapter 7 bankruptcy with the bankruptcy court, the time frame could be as quick as three to four months to receive your discharge.

How do I make an initial appointment?

You can call us at 419-740-5935 to schedule a free consultation or fill out the form on this 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