Home
Latest Victories
About Us
Finding A Lawyer
Practice Areas
Contact Us
Common Questions
Associated Links

Ask Us A Question

First Name:

Last Name:

E-Mail:

Phone:

Your Claim or Question:

Please Enter Verification Code Below Verification code: More info

DEBT REORGANIZATION

Debt Relief / Reorganization Lawyers

Cincinnati, Ohio

If you are trapped paying high interest rates on mountains of credit card debt with no end in sight, don’t panic! Debt management is within your reach. You don’t have to tolerate creditor harassment, lawsuits, and wage garnishments.

Call the Ohio or Northern Kentucky law offices of O'Connor Acciani & Levy, LLC, and speak to a debt relief lawyer. We can help you eliminate debt before it takes over your life. Call 513-241-7111 today or send us an email and we will respond within 24 hours. Our law firm has over 27 years of experience and we’re dedicated to helping you manage your debts in Cincinnati, Kentucky and Southern Ohio.

How did this happen to you? Credit is one of the most enticing, yet financially risky aspects of life in America today. It is so easy to get in over your head, thinking that the new car, extravagant wedding, gotta-have-it entertainment center or vacation of a lifetime is only a charge card away.

What you may not realize is that while you enjoy your buying power and make minimum payments to your credit company, anywhere from 10% to 30% interest is accruing on your debt.

Worried? You should be. Statistics show that a credit card debt of $3,000 can take up to 30 years to pay off with minimum payments, provided you pay on time and add no further charges to your account. If you are late paying, you will be socked with late fees. Not only will you be charged extra, delayed payments also cause the low credit card interest rate that attracted you to double or triple.

Late payments on one credit card can raise interest rates on other credit cards as well. If you don’t read the fine print, brace yourself for some unpleasant surprises from the credit company. Advertised low rates and other benefits may only continue to apply if you pay your full balance off every month.

Another technique used to gain card users is to offer zero percent interest on balance transfers. However there is usually a time limit and fee of up to 3% of the amount transferred. That’s $30 for every $1000 transferred.

How does debt reorganization work? Under Chapter 13, our debt reorganization lawyers will negotiate a court approved debt repayment plan free of interest or late fees. For the consumer who has the ability to pay but needs more time, we can give you an opportunity to repay your debts.

The period allowed for repayment is up to five years and includes past due mortgage payments. O'Connor Acciani & Levy, LLC will work out convenient payment plans to fit your budget.

Chapter 13 bankruptcy has the added benefit of allowing you to keep personal property such as your house and car. Don’t wait another minute! For a Cincinnati or Northern Kentucky Chapter 13 bankruptcy lawyer, call O'Connor Acciani & Levy, LLC, and learn how to achieve debt elimination today. Call 513-241-7111 today or send us an email.