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Caplea & Variola: Providing Chapter 13
Bankruptcy Services

CAPLEA & VARIOLA CO

Caplea and Variola logo white 50x50

Caplea & Variola: Providing Chapter 7
Bankruptcy Services

CAPLEA & VARIOLA CO

Filing for Chapter 13 bankruptcy? You don’t have to face the court alone because Caplea & Variola is here to help! Our bankruptcy attorney focuses on helping clients file and qualify for the best bankruptcy chapter plans that address their financial needs. With an experienced attorney’s help, you can live a debt-free life as quickly and efficiently as possible. Also, Caplea & Variola can help clients dealing with Chapter 13 dismissal declare bankruptcy again. To learn more about us and what we do, call (330) 455-5195! We work with clients in and around Middlebranch, OH.

Our office serves clients from the following areas:

  • Ashland, OH
  • Canfield, OH
  • Canton, OH
  • Hartville, OH
  • Louisville, OH
  • Middlebranch, OH
  • North Benton, OH
  • North Canton, OH
  • Richland County, OH
  • Stark County, OH
  • Youngstown, OH
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What is Chapter 13 and When Do I Need It?

Chapter 13 bankruptcy is a legal process wherein the debtor has the opportunity to reconsolidate all their existing debt. Generally, debt obligations are combined into one payment plan that stretches for three to five years. This filing is ideal for those who have no choice but to file for bankruptcy, have a steady stream of income, and don’t want to lose their assets. However, keep in mind that Chapter 13 bankruptcy is different from private consolidation. The former is a type of bankruptcy offered by the court. Meanwhile, the latter is provided by private financial institutions. Here are some points you need to consider:

Private Consolidation

Pros

  • Doesn’t heavily affect credit record
  • Allows debtor to choose better rates

Cons

  • Accrues interest
  • Private consolidation companies still make a profit from your debt
  • Payment plans aren’t as flexible

Chapter 13 Bankruptcy

Pros

  • Payment plans can be adjusted according to your needs
  • Interest no longer accumulates
  • Total debt amount may decrease depending on your financial capacity

Cons

  • Not every debtor qualifies
  • Negatively affects credit record
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Let Our Firm Assist You in Filing Chapter 13

Filing Chapter 13 bankruptcy is no easy task. Firstly, bankruptcy chapters are very complex legal processes loaded with jargon and technical terms. So navigating all the paperwork and documents can prove to be quite a challenge.

Secondly, you should customize your bankruptcy chapter to suit your personal needs and lifestyle. You can’t just apply for a random chapter hoping all your debt obligations will magically disappear.

Lastly, most clients filing for bankruptcy are under intense pressure. All the stress and anxiety could get to them and cloud their judgment. However, when you’re facing serious legal and financial matters such as these, there are no rooms for mistakes

Decided you need help filing Chapter 13 bankruptcy? Then reach out to Caplea & Variola today! Our skilled, reliable attorney will do a complete consultation to determine exactly what plans you need to achieve financial freedom as soon as you can. To get started, book an appointment in or near Middlebranch, OH at (330) 455-5195.

 

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Call to Ask About Your Chapter 13 Dismissal

When declaring bankruptcy, you might hear the terms dismissal and discharge in court. But not many clients really know what they mean and how these processes affect them. So what’s the difference between a Chapter 13 dismissal and discharge?

Generally, your goal when declaring bankruptcy is to have your debt discharged. This means the court will reconsolidate, reduce, or eliminate your existing debt. If you’re filing for Chapter 13, then a bankruptcy discharge would reconsolidate your existing debt into a plan that doesn’t accrue interest and is payable in three to five years.

On the other hand, dismissal refers to when a client does not qualify for bankruptcy. The court often dismisses an application for bankruptcy when they notice something wrong with the paperwork submitted. If your judge dismisses your case, lenders will have the power to try and collect debt again while increasing the interest rates on your balance.

To prevent dismissal when filing for Chapter 13 bankruptcy, make sure you work with the bankruptcy attorney at Caplea & Variola! Your attorney will analyze your case to determine why your application resulted in a dismissal. Then, they’ll correct the errors, submit the paperwork, and have your case discharged as soon as possible! For bookings and inquiries, clients from and around Middlebranch, OH can call us at (330) 455-5195.

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610 Market Avenue North, Canton, OH 44702

(330)455-5195

jvariola@gmail.com

free initial consultation

The information contained on this website is presented for informational and marketing purposes only and is not to be understood as legal advice. You should consult an attorney for advice respecting your individual needs. Caplea & Variola Co looks forward to speaking with you about your particular needs. Please note, however, that the mere act of contacting our firm does not create an attorney-client relationship. As a result, you should never send any confidential information to our office until a Representation Agreement has been signed by both you and Caplea & Variola Co.

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