Let Us Help Ease Your Financial Strain
Reynoldsburg Bankruptcy Attorney | Chapter 7 & Chapter 13 Debt Relief
Legal Experience
Over 36 Years
Specialization
Bankruptcy law
Recognitions
Twice Selected as Bankruptcy Attorney of the Year
Comprehensive Services
Chapter 7 and
Chapter 13 bankruptcy
File For Bankruptcy with Professional Help
Christopher Gallutia, Attorney at Law, with over 36 years of experience, specializes in providing bankruptcy legal services in Central Ohio. Renowned as Bankruptcy Attorney of the Year twice, he offers expert guidance on Chapter 7 Bankruptcy or Chapter 13 Bankruptcy filings, helping you navigate the complexities of bankruptcy to get a fresh start.
How The Bankruptcy Attorney in Central Ohio Can Help
Bankruptcy Lawyer
Filing for bankruptcy can be tough. I’m here to guide you through the specifics of Chapter 7 and Chapter 13, ensuring you understand your rights and options.
Credit and Debt Counseling
My approach as a credit counselor is all about giving you the knowledge and tools to manage your finances better and avoid falling into the same traps again.
Tax Resolution
Dealing with the IRS can be intimidating, but you don’t have to face it alone. I’m here to help you tackle back taxes, negotiate settlements, and find solutions that work for your situation.
Award-Winning Bankruptcy Attorney at Your Service
Christopher Gallutia
With over three decades of experience, I provide expert bankruptcy solutions tailored to your unique financial needs. Recognized twice as Bankruptcy Attorney of the Year, my deep understanding supports clients through the complexities of debt relief and financial restructuring. These awards affirm my commitment to achieving successful outcomes in Chapter 7 and Chapter 13 bankruptcy cases.
Discover What Makes Us Uniquely Qualified
Christopher Gallutia, Attorney-at-Law is proud to be a trusted local law firm serving the Columbus Area. We are a member of:
Discover What Makes Us Uniquely Qualified
Christopher Gallutia, Attorney-at-Law is proud to be a trusted local law firm serving the Columbus Area. We are a member of:
Get Professional Help with Complex Tax Problems
Facing tax issues can be stressful, but you don’t have to handle them alone. Here’s how my professional assistance can solve your tax problems:
IRS Negotiations
I'll represent you in discussions with the IRS to negotiate penalties, interest, and tax liabilities, aiming to reduce your overall burden.
Back Tax Management
We can devise strategies to manage and settle back taxes, preventing further penalties and potential legal consequences.
Tax Debt Relief Plans
I'll help create a customized plan that fits your financial problems, potentially reducing the amount owed through offers in compromise or installment agreements.
Audit Representation
If you're facing an IRS audit, having an experienced attorney by your side can make a significant difference in the outcome.
Filing Assistance
For those behind on tax returns, I provide assistance in filing past-due taxes accurately and efficiently to avoid additional fines and penalties.
Tax Planning and Advice
Receive expert advice on how to plan for future tax obligations to minimize liabilities and ensure compliance.
Causes of Bankruptcy and
How to Avoid Them
Bankruptcy arises from a variety of financial challenges:
High medical bills not covered by insurance
Loss of employment leading to financial instability
Excessive borrowing through credit cards and loans
Financial strain from costs associated with divorce
Emergency expenses that disrupt budgeting
Lack of a solid financial plan or emergency savings
Personal financial impact from failing businesses
What Our Clients Are Saying About Us
Jenny L.
Christopher is a fantastic attorney. I’ve used him twice in the last 20 years and he has always been so helpful in helping me achieve what I needed done. I will alway refer him to anyone who is looking for an attorney. Thank you for everything Chris!
Tina
Mr. Gallutia has been knowledgeable, courteous, professional and compassionate over the past six years during several civil matters in which he acted for me. I recommend him highly. Prompt communication, updates, and very ethical.
Donjia H.
Great attorney, he keeps you informed about what is going on with your case, he is almost always available to talk, if not he will return your phone call quickly. When he says he’s going to do something he does it immediately. I had a great experience with Christopher, I would recommend him to anyone.
Frequently Asked Questions
How often can I file for bankruptcy?
You can usually file Chapter 7 once every eight years, measured from the date of your previous filing. Chapter 13 has shorter time limits, so you may be able to file again sooner. We review your full history to determine the right timing and strategy for the best outcome.
Can I keep my house and car if I file for bankruptcy?
In many cases, yes. If you are current on your mortgage or car loan, you can typically keep those assets. Chapter 13 allows you to catch up on missed payments over time, while Chapter 7 may let you reaffirm loans. Exemptions protect a certain amount of home equity and vehicle value.
What property can I keep, if anything, if I file for bankruptcy?
Bankruptcy laws are designed to let you keep essentials. Ohio exemptions cover clothing, household goods, retirement accounts, and a portion of equity in your home, car, and tools you need for work. We carefully apply these exemptions so you can move forward with the property you need.
What impact does filing bankruptcy have on my credit?
Your credit score may drop initially, and the bankruptcy will stay on your report for up to 10 years (seven years for Chapter 13). However, many clients see improvement within a year because their debt-to-income ratio improves and they stop missing payments. Responsible credit use after filing helps rebuild credit faster.
Can I file for bankruptcy and stop a lawsuit or wipe out a money judgment against me?
Yes. Bankruptcy triggers an “automatic stay,” which immediately stops lawsuits, garnishments, and collection actions. Many judgments can be wiped out, giving you a clean slate. There are exceptions for certain debts like child support or fraud, so we review each judgment carefully.
How are payments in Chapter 13 determined?
Your monthly payment is based on your income, reasonable living expenses, and the type of debts you owe. The court ensures the plan is affordable and fair, usually lasting three to five years. We help design a plan that works with your budget.
What is Chapter 7 bankruptcy and who qualifies?
Chapter 7 eliminates most unsecured debts like credit cards, medical bills, and personal loans. To qualify, you must pass the means test, which compares your income to the state median. People with limited income and assets often benefit most from Chapter 7’s fresh start.
What is Chapter 13 bankruptcy and how does it work?
Chapter 13 is a reorganization plan that lets you repay some or all of your debts over three to five years. It can stop foreclosure, prevent repossession, and give you time to catch up on missed payments — all while keeping your property.
guide towards a fresh financial start
Get Free Consultation for Ohio Bankruptcy Legal Assistance Today
If you're facing financial challenges and considering bankruptcy, expert legal guidance is essential. Specializing in bankruptcy law, I offer thorough support in navigating Chapter 7 and Chapter 13 filings, helping you understand your options and rights. Don't let financial stress dominate your life—reach out for professional assistance today.
Our Legal Service
Helpful Links
Contact Information
Business Hours
Mon - Fri: 8:00 AM - 5:00 PM
Sat - Sun: By appointment only
Appointment are also available after 5:00 PM Monday - Friday by appointment.
Areas We Serve
We proudly serve clients throughout Central Ohio and the greater Columbus area, including Reynoldsburg, Blacklick, Pickerington, Pataskala, Whitehall, Gahanna, Westerville, Brice, and beyond.
© 2025 All Rights Reserved | Christopher Gallutia Attorney at law