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Call Us Today!
(216) 241-2628
Call Us Today!
(216) 241-2628


Click the drop-down arrows to find out more about bankruptcy options and counseling.


Other than Chapter 11, which is a corporate reorganization, you have the option to file either a Chapter 7 (“Liquidation”) or a Chapter 13 (“ Individual Reorganization”) proceeding. In each case, the “automatic stay” under Bankruptcy law protects you from all collection and enforcement action by your creditors against you and against your assets. Upon filing under either chapter, all of the following collection activities must immediately STOP under the automatic stay:
  • Foreclosures
  • Creditor Harassment   
  • Garnishments
  • Collection Calls
  • Tax Levies
  • Lawsuits 
  • Utility Shutoffs
Both consumer debts and business debts may be included under either chapter.
Chapter 7: This is what people usually refer to when they speak of “bankruptcy.” Through a Chapter 7 proceeding, also referred to as “liquidation,” you are permitted to relieve yourself of the obligation to pay most, if not all, of your debts by obtaining a “discharge” of those debts. In most cases, you may keep what you own unless the value of a particular asset exceeds exemption allowances. It is therefore essential that all of your assets be identified and not just all of your debts. Certain obligations, such as recent income taxes, alimony and child support, may not be dischargeable.
Chapter 13: This option is designed for clients who wish to pay their debts under a reorganization plan over an extended time period up to a maximum duration of five years. If you do not qualify for a Chapter 7 for one reason or another, or if you stand to lose a particular asset through a Chapter 7, you may qualify for a Chapter 13. Through Chapter 13, you may retain possession of assets, including those which may be otherwise nonexempt.
Arrangement with Creditors: Debt settlement arrangements with creditors may be available to you as a way to avoid a Chapter 7 or Chapter 13 bankruptcy. This is more likely to be feasible in cases where you do not have a large number of creditors, so that a direct payment arrangement with your creditors becomes possible. Beware of debt settlement companies, which may offer this alternative, but who frequently charge high fees.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. 11 USC Section 528(a).

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    Waldemar Wojcik Co, LPA
    The Leader Building, Suite 211
    526 Superior Ave.East
    Cleveland OH 44114

    Phone: (216) 241-2628
    Fax: (216) 373-2392
    In Business Since 1980

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    Business Hours

    Mon - Fri:       09:00 AM - 05:00 PM
    Sat:                 By Appointment
    Sun:                Closed

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