Before the COVID-19 pandemic, it was estimated that nearly 4,000 Northwest Ohioans will file for Chapter 7 bankruptcy relief in 2020. That number is expected to soar much higher as the COVID-19 pandemic runs its course in Ohio. Chapter 7 bankruptcy filings in the metro Toledo, Ohio area account for about 85% of all bankruptcy filings. Chances are that you know someone who received a Chapter 7 discharge and now has their “fresh start”. Over the years, we have helped Ohio debtors from all walks of life, including doctors, factory workers, retailers, skilled laborers, attorneys, accountants, hair stylists, teachers, retirees, unemployed, disabled, military veterans, and many more. Chapter 7 bankruptcy provides relief from mounting debts that cannot be repaid. There is no real link between one’s age and bankruptcy filings. Our clients come to us for help eliminating debts from credit cards, medical bills, utility arrears, vehicle repossessions, payday loans, and more. Chapter 7 bankruptcy also stops most collection lawsuits that can lead to a wage garnishment if not resolved soon. Many people ask us about life post Chapter 7 bankruptcy. While most debtors are starting over, there are many trusted resources that you can turn to for tips on how to rebuild your credit over time. While rebuilding your credit score will help you post bankruptcy, most people need to simply restart their financial health, with an eye on the future. During your free initial bankruptcy consultation, your France Law Group attorney will get to know your situation and advise you as to whether Chapter 7 bankruptcy is right for you.