Lorain Bankruptcy Attorney
Affordable Bankruptcy Lawyer in Lorain
If you're looking for an affordable bankruptcy lawyer in Lorain, Ohio, Jon Ginter is one of the most affordable bankruptcy attorneys in the area. Jon has been practicing bankruptcy law for over 17 years and is among one of the most experienced bankruptcy attorneys. Not only that, but the bankruptcy Law Offices of Jon Ginter are conveniently located just off of the 90 Columbia Rd. exit in Westlake, less than 30 minutes away from almost anywhere in Lorain County.
Jon Ginter specializes in Chapter 7 and Chapter 13 bankruptcy in Lorain. In fact, 25% of bankruptcy clients at the bankruptcy Law Offices of Jon Ginter come from Lorain. If you would like to schedule a free consultation with Jon, click here.
Filing for Bankruptcy in Lorain
Jon Ginter has helped over 2,000 people in Ohio, and around 500 people in Lorain, file for bankruptcy, eliminate their debts and get a fresh start. Thousands of people who were struggling with medical debt, student loans, harassment from creditors, facing foreclosure, or suffering from the loss of a job, no longer have to worry about these concerns.
Why Consider a Lorain Bankruptcy Lawyer?
Bankruptcy is nothing anyone looks forward to or even thinks about, especially not at first. However, bankruptcy can give you a fresh start, and get you on track to being a better citizen, economically. It's no secret that the economy in and around Lorain, Ohio is lackluster and all people fall on hard times at some point or another. It's best to get a new start now, rather than keep digging yourself into more of a hole and then have to dig yourself out at a later date.
If you'd like to speak to a Lorain bankruptcy attorney for a free consultation, click here.
Financial Statistics in Lorain, Ohio
Lorain, Ohio has a population of around 63,855 people, according to the latest US Census Bureau report. Additionally, median household income was only $37,014 as reported from 2014-2018 data. Per capita income, aka the income earned per person, was only $20,817. The percentage of people in Lorain who are living in poverty is 25.7%. For reference, the poverty line for a family in Ohio of one, two and three person(s) is $12,760, $17,240, and $21,720, respectively.
Why People File for Bankruptcy in Lorain
Due to the high percentage of people living in poverty, people in Lorain are more likely, on average, to file for bankruptcy. Median rent alone in Lorain costs around $697 per month. If the median income of an individual in Lorain is $20,817, that leaves only $12,453 for every other expense, including food, clothing, transportation, etc. One major financial burden could push someone in Lorain into bankruptcy quite easily given these facts.
How a Lorain Bankruptcy Lawyer Can Help
People in Lorain, Ohio have the option to file for either a Chapter 7 bankruptcy or a Chapter 13 bankruptcy. A Chapter 7 bankruptcy will eliminate the vast majority of your debts. A Chapter 13 bankruptcy is also known as reorganization, this is because a Chapter 13 bankruptcy helps you to reorganize your financials. This type of bankruptcy helps people in Lorain to restructure their tax debts, car payments, and house payments. It also stops any liens on any property and will allow you a period of 60 months to catch up on any payments owed on any property.
Find a Bankruptcy Lawyer in Lorain
If you're looking for a Lorain bankruptcy lawyer, Jon Ginter offers free consultations for all of his clients. He answers all of his calls personally and is available 24/7 for you. He will go over your financials with you and help you to decide whether or not bankruptcy is a good option for you. A good bankruptcy lawyer in Lorain will never push you to file for bankruptcy but merely present you with the facts so you can make the ultimate decision.
Talk to a bankruptcy attorney in Lorain by calling (216) 526-0309 now and receive free advice.