Welcome to Stebbins Bankruptcy Law
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STOP |
KEEP (In most cases) |
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Foreclosure
Creditor Harassment
Garnishments
Repossessions
Utility Shutoff
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Your Home
Your Car
Personal Property
Retirement Accounts
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If you are experiencing financial difficulties, you are not alone. Historically, over 1 million Americans have filed for bankruptcy in each recent year, as have thousands of businesses. Given our country's recent and dramatic economic downturn, we may well see that number increase dramatically in 2009.
Based upon my 13 years of experience with bankruptcy filings for individuals, relatively few cases are caused by an individual's poor financial decisions or irresponsible spending. Rather, the person or a family member usually has experienced an unexpected loss of employment, has incurred necessary but costly medical expenses, or has been led into a mortgage or other borrowing relationship that was at best never fully explained to the borrower or at worst actually mischaracterized by the lender. To this list of causes for filing bankruptcy we now can add the plummeting housing market, the marked nation-wide loss of jobs, and the collapsing stock market. In short, in most cases it is simply wrong to suggest that the individual had meaningful control over his or her financial situation and thus could have simply averted bankruptcy by making better decisions. Far, far larger forces have been operating to cause the bankruptcy.
I spend a significant amount of my time helping clients recognize that if they need to file bankruptcy, that doesn't mean they are bad persons or "failures"; I don't begrudge that time because I really believe that the need to file bankruptcy is visited upon many good and honest people due to circumstances beyond their control.
Unfortunately, filing a bankruptcy to ease one's financial situation can itself be expensive. In an effort to keep my overhead and your attorney fees low, I am now conducting my practice out of my home. I also depend quite heavily upon technology to keep my expenses low. As a result, I can continue to offer free initial consultations.
To schedule your consultation, please contact us. I will then email you my client questionnaire or, if you do not have an email address, deliver it through the U.S. mail; once you have filled out that questionnaire, we will set a date and time for your initial consultation. It is my strong preference to meet with you personally for the initial evaluation rather than to conduct it over the phone.
I provide Chapter 7 and Chapter 13 services to individuals who need Mount Vernon and Knox County bankruptcy attorneys, Newark and Licking County bankruptcy attorneys, and Columbus and Franklin County bankruptcy attorneys.
Under the 2005 amendments to the bankruptcy laws, I am required to state that I am a Debt Relief Agency as that term is defined by the amendments. I help people file for bankruptcy relief under the Bankruptcy Code.
The information on this Bankruptcy Attorney / Law Firm website is for general information purposes only. The communication of this information is not intended to create, and receipt or viewing of this information does not constitute, an attorney-client relationship.