Bankruptcy Serving Sandusky, OH, and Surrounding Areas

Duane Galloway & Associates Aids in Filing for Chapter 7 or Chapter 13 Bankruptcy

Trust Duane Galloway & Associates in our bankruptcy representation serving Sandusky, OH, and surrounding areas. Crushing debt drains energy and blocks progress. Duane Galloway & Associates builds a clear, lawful path out. We analyze your income, assets, and goals, and then recommend a Chapter 7 or Chapter 13 strategy that protects your property and restores momentum. Our bankruptcy attorney answers every question in plain language, handle filings and hearings, and move your case forward with urgency.

Preparation accelerates results. Bring pay stubs, tax returns, bank statements, a debt list, recent lawsuits or collection letters, vehicle and mortgage details, and insurance proof. We review your assets, exemptions, and risks, then choose a chapter and file with precision. We set expectations for hearings, trustee interactions, and timelines, and we keep you informed at every checkpoint. Take control of your next financial decision today. Call Duane Galloway & Associates at (419) 626-8630 or contact us for a focused debt relief strategy that fits your life.

Stop Creditor Calls, Lawsuits, and Garnishments Now

You deserve breathing room. When you qualify and file, the automatic stay triggers and forces collectors to pause lawsuits, garnishments, and shut-off threats. Our bankruptcy attorney notifies creditors, stops harassment, and channels all communication through our office. We document each claim, challenge improper balances, and push for accurate accounting. You gain space to plan while we control the noise.

Chapter 7: Fast, Lawful Discharge of Unsecured Debt

If you meet the means test, Chapter 7 can discharge credit cards, medical bills, and certain judgments. Trust Duane Galloway & Associates runs the numbers, apply Ohio exemptions to protect essentials, and guide you through the trustee meeting with preparation that builds confidence.

We track deadlines, answer trustee requests, and resolve reaffirmation decisions for vehicles or other secured items. Many clients reach discharge in a matter of months, and start fresh with a realistic credit-rebuilding plan.

Chapter 13: Structured Repayment that Protects Assets

Chapter 13 creates a court-approved plan that fits your budget and priorities. We calculate a payment that addresses mortgage arrears, auto deficiencies, and tax debts while preserving your home and car. We propose a plan that complies with local rules, respond to objections, and adjust terms when life changes. You catch up over three to five years, consolidate payments, and move toward completion with clear milestones and regular updates.

Life After Bankruptcy: Rebuild Credit with a Concrete Plan

Relief does not end at the discharge or plan completion. We outline steps that raise your score and strengthen your financial profile: pull reports, fix errors, set up timely payments, and use secured cards with low utilization. Trust Duane Galloway & Associates shows you how to budget for savings, emergency funds, and future goals so you avoid old traps. You leave with tools, not just paperwork.