Let Us Help Ease Your Financial Strain
Trusted Bankruptcy Attorney Serving Reynoldsburg, OH
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, brings over 36 years of specialized expertise in bankruptcy law to Central Ohio. Recognized as Bankruptcy Attorney of the Year in 1996 and 2009, Gallutia offers comprehensive legal solutions in Chapter 7 and Chapter 13 bankruptcy, along with credit and debt counseling, ensuring tailored guidance for financial stability and effective debt resolution.
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 Expertise in Bankruptcy Law
Twice honored as Bankruptcy Attorney of the Year in 1996 and 2009, Christopher Gallutia brings proven excellence to your financial recovery.
Local Highlights
Reynoldsburg, Ohio, proudly known as the "Birthplace of the Tomato," celebrates its heritage each year with the popular Tomato Festival. The city is also home to Blacklick Woods Metro Park, offering extensive trails and wildlife viewing opportunities. With its bustling community centers and vibrant local economy, Reynoldsburg is a blend of suburban comfort and cultural festivities, making it a great place for families and newcomers alike.
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:
Christopher Gallutia
Attorney at Law
Phone: (614) 575 - 1145
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
What are the eligibility requirements to file Chapter 7 bankruptcy?
Eligibility for Chapter 7 bankruptcy is determined primarily through the means test, which compares your income to the median income in your state for your household size. If your income is below the median, you likely qualify to file under Chapter 7. Additionally, you must not have filed a Chapter 7 bankruptcy in the last eight years or a Chapter 13 in the last six years.
What debts are dischargeable under Chapter 13 bankruptcy cases?
Chapter 13 bankruptcy allows for the reorganization of most types of debt. Dischargeable debts include credit card debt, medical bills, personal loans, and more. However, certain obligations like student loans, alimony, child support, and certain tax debts typically cannot be discharged.
Can I keep my house if I file bankruptcy?
In both Chapter 7 and Chapter 13 bankruptcy, you can keep your house if you are current on your mortgage payments and continue to make these payments during and after the bankruptcy process. In Chapter 13, you may also catch up on overdue payments through your repayment plan.
What is the automatic stay and how does it protect me?
The automatic stay is an immediate order upon filing for bankruptcy that halts creditors from all collection activities, including lawsuits, wage garnishments, and even telephone calls. It protects you from any creditor actions while your bankruptcy case is being processed.
How long does a Chapter 7 bankruptcy take to complete?
Typically, a Chapter 7 bankruptcy case takes about four to six months from filing to discharge, depending on the court’s schedule and the complexity of your case.
What is involved in the credit counseling requirement for bankruptcy?
Before filing for bankruptcy, you are required to complete a credit counseling session with an approved counseling agency. This session must occur within 180 days before filing and aims to provide financial education and evaluate possible alternatives to bankruptcy.
How does bankruptcy affect my credit score?
Filing for bankruptcy will have a negative impact on your credit score initially. Chapter 7 bankruptcy remains on your credit report for 10 years, while Chapter 13 remains for 7 years. However, the long-term effect can be positive as you reduce your debt-to-income ratio and begin to build a more stable financial foundation.
What happens during the meeting of creditors in bankruptcy?
The meeting of creditors, also known as the 341 meeting, occurs about a month after you file for bankruptcy. During this meeting, the bankruptcy trustee and any creditors who choose to attend can ask questions about your bankruptcy forms and finances. You are required to attend and answer questions under oath. This meeting is typically brief and is intended to ensure that all information in your filing is accurate and that no fraud is involved.
guide towards a fresh financial start
Our Ohio Bankruptcy Attorney Can Help You Get a Fresh Start
If you're seeking guidance on bankruptcy, credit management, or tax resolution, don't hesitate to reach out to our experienced bankruptcy attorney. We offer expert legal services to help you navigate complex financial issues with confidence. Let us assist you in taking the first step towards a more secure financial future.
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, Brice, and beyond.
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