Business Details
43 Years
experience
Your Trusted Bankruptcy Law Firm in Ohio
Ciotola Law has been providing experienced, competent, and convenient bankruptcy services for over 42 years. Our firm specializes in consumer bankruptcy law, certified by the American Board of Certification, with a proven track record of representing more than 35,000 clients across 19 offices. We focus on helping individuals understand Chapter 7 and Chapter 13 bankruptcy options to resolve financial challenges. Our attorneys prioritize client education, transparency, and ethical legal practices to ensure informed decision-making.With decades of combined experience, we navigate complex bankruptcy laws to protect client assets and secure fresh financial starts. Our services extend to addressing foreclosure, wage garnishments, and unsecured debts while adhering to federal and state regulations. We emphasize personalized legal strategies tailored to individual circumstances, ensuring compliance with court requirements and client-specific needs.
Services
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Debt Relief Services
Bankruptcy Consultation
Foreclosure Defense
Details
- Year established: 1983
Highlights and features
- We offer 42 years of specialized bankruptcy law experience.
- Our lead attorney is Board Certified in consumer bankruptcy law.
- We operate from 19 accessible offices across Ohio.
- We have successfully represented over 35,000 bankruptcy clients.
- Our practice emphasizes ethical, client-centered legal guidance.
Associations and certifications
- American Board of Certification
Services
Chapter 7 Bankruptcy
Chapter 7 involves liquidating non-exempt assets to pay debts, providing discharge of remaining unsecured obligations. This service stops creditor actions immediately through automatic stay protections. Ideal for individuals with limited income and significant unsecured debts.
Chapter 13 Bankruptcy
Chapter 13 creates structured repayment plans for debtors with regular income, allowing retention of assets while repaying debts over 3-5 years. Particularly effective for stopping home foreclosures and reorganizing secured debts.
Foreclosure Defense
Our foreclosure defense services utilize bankruptcy filings to halt impending home seizures. We negotiate mortgage arrears repayment plans and ensure compliance with federal bankruptcy protections to help clients retain their properties.
Debt Discharge Planning
We analyze client financial situations to determine dischargeable debts and develop customized strategies for eliminating eligible obligations while addressing non-dischargeable liabilities through alternative legal approaches.
Creditor Harassment Protection
Bankruptcy filings immediately stop all collection activities. Our services include legal representation against creditor violations of automatic stay protections and ensuring client rights during post-filing interactions.
People
Robert Ascenzo Ciotola
Founding Attorney
Board Certified Specialist in consumer bankruptcy law with 42 years' experience representing 35,000+ clients. Leads Ohio's premier bankruptcy practice with 19 office locations.
Joanna Ciotola White
Attorney
Handles bankruptcy cases with focus on client education and ethical representation, contributing to the firm's comprehensive legal approach.
Robert A. Ciotola II
Attorney
Provides specialized bankruptcy counsel, maintaining the firm's commitment to accessible legal solutions across multiple Ohio jurisdictions.
Adrianna C. Ciotola
Attorney
Supports clients through complex bankruptcy processes, emphasizing personalized guidance and adherence to evolving bankruptcy regulations.
Questions
Will filing bankruptcy stop creditors from collecting debts?
Yes, federal law imposes an automatic stay stopping wage garnishments, lawsuits, and collection calls immediately upon filing.
Can I keep my car after filing bankruptcy?
Yes, if you continue making payments and reaffirm the debt. The trustee won't take it if there's no equity.
How does bankruptcy affect home foreclosures?
Chapter 13 allows you to cure mortgage arrears over 3-5 years, preventing home loss.
Are all debts dischargeable in bankruptcy?
No, certain debts like taxes, alimony, and student loans remain, though Chapter 13 offers more flexibility.
What happens to retirement savings in bankruptcy?
Most retirement accounts are protected and exempt from bankruptcy proceedings.
Do I have to attend court hearings?
Most cases require only one meeting with the trustee; formal courtroom appearances are rare.
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