Bankruptcy
Made Easy
Made Easy
Cases FiledConley Law attorneys have filed over 400 cases and have been involved with roughly 1,000 cases.
Chapter 13 Plans Get ConfirmedConley Law maintains a high confirmation rate and ensures the work gets done to confirm your plan.
Student LoansConley Law attorneys have discharged hundreds of thousands of dollars of student loan debt.
Ohio Bankruptcy Lawyer
Conley Law is a full-service Ohio consumer bankruptcy firm. We represent clients filing consumer Chapter 7 and Chapter 13 bankruptcies, along with student loan discharges connected to a bankruptcy case. We are physically located in Fairlawn, Ohio, but we practice across the entirety of Ohio and the Eastern District of Missouri. Bankruptcy can be completely done remotely, and you only need to come to the office if you choose to.
We take pride in taking a personal touch and treating you like a human rather than just a source of income. One of the most common complaints clients have against their attorneys is the lack of communication. We commit to responding within 48 business hours, but we nearly always reply within 24 business hours and usually respond within the same day. We are constantly looking at how to improve our communication with our clients and how we can make the experience better for you. Our bankruptcy attorney is hands on with your case, you are not handed off to a sales agent or case manager. The bankruptcy lawyer overseas all aspects of your case and routinely will personally respond to you.
We make the process of filing easy for you. We utilize a client portal where you can upload the documents that we need from you. The client portal also has a messaging feature so you can reach out 24/7 with any questions.
While many Ohio bankruptcy lawyers limit their practice to just the bankruptcy filing, Conley Law is always looking at additional ways we can help our clients. We have added student loan discharge work, redemptions, adversary proceedings, and vehicle replacement services into our portfolio of services when other attorneys chose not to. We will continue to find new ways to help our clients and improve their lives.
Chapter 7 Bankruptcy
Chapter 7 is the most common chapter that consumers file. It is known as a liquidation bankruptcy as the bankruptcy trustee can sell your non-exempt property to repay your creditors. While this may sound scary, the Ohio Chapter 7 bankruptcy attorney at Conley Law is an expert at applying exemptions and protecting your property. If there is any issue, we will inform you prior to filing. Chapter 7 is a great option for those who are below the median income, don’t have non-exempt property, and are current on mortgage payments.
Chapter 13 Bankruptcy
Chapter 13 is less common than chapter 7 but is a great tool and offers benefits that chapter 7 does not offer. Chapter 13 offers you the ability to get caught up on secured debt payments, like a mortgage or auto loan. Chapter 13 can also discharge property settlement debt where chapter 7 cannot. Chapter 13 is a great option for those who are above the median income, have non-exempt property they want to keep, or are behind on mortgage payments.
Student Loan Discharge
Student loan debt is one of the biggest issues we face. Many people believe that student loans cannot be discharged. This simply is not true. Student loans have been able to be discharged for year, but there was a difficult standard to meet to get the student loans discharged. As of November 2022, the United States Department of Justice released new guidelines on when they will stipulate to a student loan discharge. While you still need to meet the standard for discharge eligibility, it is now easier than ever to discharge student loans. The student loan lawyer at Conley Law looks at every client’s situation to see if we can help you with your student loans.
Additional Ways We Can Help
Conley Law wants to see you get a fresh start and set yourself up to have a brighter future. That is why we have contacts with other companies to help you.
One of our clients’ most frequent questions or concerns is how bankruptcy will affect their credit and how they can rebuild. Conley Law works with Evergreen for the two required courses that all bankruptcy filers must take. After you complete the second course with Evergreen, they provide you with a bonus course; 7 Steps to a 720 Credit Score. This bonus course educates you on how you can potentially get your credit score as high as 720 in as little as two years after filing.
Another frequent questions or concerns from our clients revolves around their vehicles. Many clients are worried about being able to keep their current vehicle. Usually they can keep it, but there may be additional help that Conley Law can provide in this area. Our bankruptcy attorney will review your auto loan situation to see if there is a better option for you.
One of these options is to redeem your vehicle in your chapter 7. If your vehicle is worth significantly less than you still owe, redemption might be an option for you. This involves taking out a new loan to pay off your existing loan at the market value of your vehicle. Our Ohio bankruptcy attorney works with 722 Redemption to get our clients approved for the redemption loan.
While redemption is not an option in chapter 13, we can look at cramming the loan down to the value of the vehicle. With this option, we can potentially lower the payments on the vehicle and have it be paid through the chapter 13 plan.
Another option for our clients is to replace their vehicle. Maybe your vehicle is not worth keeping, either because it is old or has issues. A replacement is a great solution for you. Conley Law works with the First Step program through Ken Ganley to get our clients into new vehicles. The First Step program is based in Ohio and has dozens of dealerships across the state and can even ship a vehicle to you. Our clients have a remarkably fast turnaround for when they get a vehicle and can even get into a new vehicle with no down payment.
Contact Us Today
The Ohio bankruptcy attorney at Conley Law would love to help you get a fresh start. Please contact us today for your free consultation so we can show you how we can help you. You can schedule an appointment through our contact form, or by calling (234) 255-2910. We are available 24/7 for your scheduling call.
Client Reviews
My husband and I had to file bankruptcy with very short notice. Mr Conley did an amazing job filling in a timely manner. Very...
Tyrus was very helpful and kind throughout this process. He moves quickly and gets the job done smoothly. We communicated...
Definitely one of the most difficult times in my life, but thank GOD for Mr. Owings and his team for guiding me, and...
Frequently Asked Questions
Will I lose my home, car, or other personal property if I file for bankruptcy?
It is possible to keep your home, car, or other personal property when you file for bankruptcy. Ohio offers generous exemptions to protect your property. If the exemptions do not cover the equity, there is an option to buy back the equity.
Do you offer payment plans or flexible billing options?
We do offer payment plans. The upfront cost of the bankruptcy needs to be paid before filing. We offer payment plans of up to a year. We set up automatic payments with a debit card, and you can choose weekly, bi-weekly, or monthly payments.
How soon can I buy a home or car after bankruptcy?
You can purchase a car as soon as a day after filing chapter 7 bankruptcy, and as soon as your plan is confirmed in a 13. It’s possible to buy a home two years after a 7 and after 12 on time payments in a 13.
How will you keep me informed about the progress of my case or matter?
We task you on what is needed from you and you can see that at any time in our portal. The portal has a message feature where you can ask questions, and we will provide you updates through the messages. We usually respond in the same day.
Our Process
Bankruptcy consultation over the phone, Zoom, or in-office.
Pay for the bankruptcy, we accept payment plans.
You provide documents and information to the portal.
Ohio bankruptcy attorney prepares the documents.
Signing appointment over Zoom or in-office.
Conley Law files the case.
Fairlawn Bankruptcy Blog
What to Expect in Your 341 Meeting Firstly, all Ohio bankruptcy 341s are held over Zoom. It’s common to attend the meeting from your own home, but you can come into your attorney’s office as well. If you are one of our clients and wish to come in office, you just need to let us know. The meeting is a Court hearing…
Bankruptcy Myths Debunked Bankruptcy is complex and confuses many people. The confusion is increased by the large amount of myths on the internet regarding bankruptcy. Here at Conley Law, we are committed to educating the public regarding bankruptcy. Hopefully this increased education will help people be less afraid and seek the help they need. Bankruptcy Myth 1: I’m…
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We offer fully virtual services; you only have to come into the office if you choose. Begin the process to get your fresh start by scheduling a consultation with us.
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