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Skilled Bankruptcy Lawyers Representing Clients in Bowling Green and Throughout Wood County

If you or your loved one is facing the prospect of financial insolvency, it may be time to consider filing for bankruptcy protection. In Ohio, bankruptcy offers a way out of debt for people who are currently facing a crushing burden. Financial problems can happen to anyone. Do not give up: there is always hope. Regardless of your unique financial situation, a bankruptcy lawyer can help you devise a strategy to get back to peace and stability. 

At Groth & Associates, our Bowling Green bankruptcy attorneys are experienced, solutions-focused advocates for individuals, families, and small businesses. We can help you navigate the bankruptcy process so that you can find the light at the end of the tunnel. If you or your family member is dealing with unsustainable debt payments, professional support is just a phone call away. To set up a confidential, no-obligation case evaluation with an experienced Ohio bankruptcy lawyer, please contact us today.

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When facing financial strain, debt collectors often make things feel like an “all or nothing” proposition. In reality, there are many debt relief solutions outside of the bankruptcy process. While these alternatives are certainly not the right choice in every case, they are the best path forward for some financially distressed people. At Groth & Associates, our Bowling Green, OH bankruptcy attorneys will work closely with you and help you consider all options outside of filing for bankruptcy. This could include: 

  • Loan consolidation;
  • Restructuring of payments; 
  • Debt litigation;
  • Settlement of debts; and
  • Debt counseling. 

To be clear, non-bankruptcy debt relief solutions only work in some cases. A debt settlement plan that is not reasonable or sustainable will merely push off bankruptcy for another day. We want to help you solve your problems now. Our Bowling Green bankruptcy lawyers will work towards a debt relief plan that actually gets you out of the hole. If the numbers do not add up, then bankruptcy may be the best option.





What is Chapter 7 Bankruptcy?

Often called a “complete bankruptcy” or a “liquidation bankruptcy”, Chapter 7 is a type of bankruptcy protection through which many consumers can shed much (if not all) of their outstanding debt—including credit card debt, medical debt, and other unsecured debt. With a successful petition, these debts can be discharged through a Chapter 7 filing. 

Can Everyone File for Chapter 7 Bankruptcy Protection?

No. Under federal law, only certain consumers are eligible to file for Chapter 7. To bring a petition you must pass a “means test”—which requires you to have a below-median income in your state. For reference, the income limit for a family of one is around $50,000 per year. As it is determined based on your household size, do not assume that you are ineligible if you make more than that in annual income. 

Will I Lose All of My Possessions in Chapter 7?

No. This is one of the biggest misconceptions about Chapter 7 bankruptcy protection. When filing for Chapter 7, petitioners may be required to forfeit certain assets. That being said, there are important exemptions in place. In practice, the vast majority of people who file for Chapter 7 are able to keep all or most of their property. Our Bowling Green bankruptcy lawyers will help you understand your rights.


What is Chapter 13 Bankruptcy?

Often called a “reorganization bankruptcy”, Chapter 13 bankruptcy allows a filer to restructure their debt payments in a sustainable manner. Whereas Chapter 7 is governed by strict income limits, the Chapter 13 bankruptcy process does not have a means test. You can file for Chapter 13 even if you have a high income. 

What is a Chapter 13 Reorganization Plan?

In Chapter 13 bankruptcy, debts are not simply discharged. Instead, the petitioner will leave the process with a fair and sustainable repayment plan. They will make monthly payments to creditors in accordance with the terms of the plan. In many cases, the plan will allow for a reduction in the total amount owed.  

How Long Does a Chapter 13 Plan Last?

As a general rule, a Chapter 13 bankruptcy plan will last somewhere between 36 months and 60 months. The higher your income and the greater your financial means, the more likely you are to be put on a 60-month plan. Though, there are many factors that must be considered.


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Sadly, corporations, creditors, and aggressive debt collection companies can be extremely difficult to deal with. You certainly cannot rely on them for legal guidance or to look out for your best interests. At Groth & Associates, we know the law and we know the tactics used by debt collectors. Our goal is to get our clients to stable financial footing—so that they can have peace and security. Among other things, our Bowling Green, OH bankruptcy lawyers will: 

  • Conduct a free, in-depth assessment of your case;
  • Listen to your story and explain your financial options;
  • Help you consider all available alternatives to bankruptcy; and
  • Take whatever action is needed to protect your interests—potentially including filing a Chapter 7 or Chapter 13 bankruptcy petition. 

Under bankruptcy law, all claims must be handled on a case-by-case basis. Our Bowling Green, OH bankruptcy attorneys provide truly personalized representation. With a long record of satisfied clients, we will take action to get you the best possible outcome in your case. No matter your financial circumstances, there is always a path forward.

Words from our clients

Our experience with Attorney Stevin Groth was nothing short of life changing.
When we first contacted Mr. Groth, he gave us his cell phone number and we were able to directly contact him day or night. His knowledge of the Ohio judicial system was astounding. He handled all aspects of our case himself, never once handing off our case to jr. associates. Stevin had positive relationships with all the judges, district attorneys and court personal that we came in contact with. Stevin’s persuasive arguments on our son’s behalf cleared him of all charges. Because of Stevin’s abilities, our son is able to move forward with his life without the stigma of a criminal record. We could not recommend Stevin Groth more highly.


Dan is an amazing attorney. He had my divorce finalized in a short period of time. A lot quicker than I thought it was going to be and for that I’m thankful! Dan knew exactly what he was talking about. Any questions I had Dan, and his assistant, Michelle was glad to answer. The outcome of my divorce was exactly what I was hoping for.


Allison Lawrence is the best lawyer I have hired.she was attentive when I presented my case to her & knew exactly how to handle it.very professional person when it comes to her job,also a humanitarian.Allison has given me great advice in a free consultation,as well as stood by side in court with chargers pending,of course she got the charges dismissed!!Great attorney,very need of a lawyer,I highly recommend Allison Lawrence.



    At Groth & Associates, our Ohio bankruptcy lawyers have a passion for providing high-quality, reliable legal representation. If you have questions about bankruptcy, we will get you answers. To arrange a free, no-obligation review of your case, please contact our law firm right away. We serve clients in Bowling Green and throughout the wide region in Wood County, including in Fostoria, Northwood, Perrysburg, and Rossford.

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