Experienced Chapter 13 Bankruptcy Attorney Serving Toledo and the Surrounding Northwest Ohio Areas.

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Toledo Chapter 13 Bankruptcy Attorney serving Northwest Ohio

Edward L. Schimmel is an experienced Chapter 13 Bankruptcy Lawyer serving Toledo, Northwood, Oregon, Sylvania, Lucas County, Wood County, and Northwest Ohio communities.

Protect Your Rights! Call Chapter 13 Bankruptcy Attorney, Edward L. Schimmel at 419.693.0911.

Chapter 13 Bankruptcy: Get a Manageable Repayment Plan

If you're facing overwhelming debt but want to keep your home, car, or other valuable assets, a Chapter 13 bankruptcy may be the right solution for you. At the Law Office of Edward L. Schimmel, we specialize in helping individuals and families in Oregon, Ohio, and the greater Northwest Ohio region find a path to financial stability through a manageable debt restructuring plan.

Our firm proudly serves clients in Toledo, Northwood, Sylvania, Maumee, Perrysburg, Bowling Green, Lucas County, and Wood County. We have the experience to guide you through this complex legal process and help you create a plan for a brighter future.

How Does Chapter 13 Bankruptcy Work?

Unlike a Chapter 7 bankruptcy, which eliminates debt, a Chapter 13 bankruptcy reorganizes your debt into a single, court-approved repayment plan. This plan typically lasts for a period of three to five years, allowing you to pay back a portion of your debts from your future income.

The key benefit is that this process often results in lower monthly payments and can stop collection actions while you repay what you can afford.

Key Benefits of Filing Chapter 13 Bankruptcy

A Chapter 13 filing can be a powerful tool to help you get back on track financially. Some of the most significant advantages include:

Preventing Foreclosure: It can immediately halt foreclosure proceedings and allow you to catch up on delinquent mortgage payments over the life of your plan.
Stopping Repossession: You can prevent the repossession of your vehicle and pay off the arrears as part of your repayment plan.
Consolidating Debts: You can pay off many priority debts—such as back taxes to the federal, Ohio state, or local governments—without further penalties or interest.
Keeping Non-Exempt Property: Unlike Chapter 7, which may require you to liquidate non-exempt assets, Chapter 13 allows you to keep all your property.
Reducing Debt: In many cases, the total amount you have to pay back may be less than what you originally owed, as many unsecured debts are not paid in full.

Who is Chapter 13 Best Suited For?

Chapter 13 is often the ideal choice for individuals who have a regular income and wish to retain possessions like a home, multiple vehicles, or other property. It provides a structured and secure way to manage your debts under the protection of the court.

Schedule a Confidential Consultation with a Chapter 13 Attorney

The decision to file for bankruptcy is significant, and you need a qualified legal professional to help you make the right choice. Attorney Edward L. Schimmel has the experience and resources to effectively guide you through the process.

If you are looking for experienced legal advice and representation from a qualified Chapter 13 bankruptcy lawyer in the Toledo or Northwest Ohio area, please contact our office to schedule a confidential consultation.

Call Chapter 13 Bankruptcy Lawyer, Edward L. Schimmel at 419.693.0911

TESTIMONIALS

"Edward L. Schimmel has been a great lawyer. Helped me adopt my daughter and did a few POA's. Highly recommend."

— Nathan J.
"Had an initial interview with another attorney and I felt like he didn't care about me or my case. I got referred to Edward and it was the complete opposite. He took the time to listen to me and created a plan of action before even discussing a fee. I am so glad I came across Edward and would definitely recommend him to anyone who needs access to legal justice! Thanks Edward for caring about me and my case!"

— Daniel J.
"Edward goes above and beyond to help you with any situation your in."

— Daniel L.
"I highly recommend Ed Schimmel! He took the time to understand my situation and walked me through the process step by step. He answered all my questions and was very understanding. You can't go wrong with Mr. Schimmel. I'm glad I made the right choice."

- Ron I.
"A great attorney would definitely use his law firm again and refer a friend to him . .Great customer service his phone attendant is always nice and polite, and makes everyone feel like their family."

- Robert D.

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Toledo Lawyer | Law Office of Edward L. Schimmel |
419.693.0911

Toledo Bankruptcy Attorney, Providing Professional Chapter 13 Bankruptcy legal services in Toledo, Northwood, Oregon, Sylvania, Maumee, Perrysburg, Bowling Green, Lucas County, Wood County, and the surrounding Northwest Ohio communities.