Bankruptcy For Those In The US Military

At the Ohio law firm of Kennel Zeigler LLC, we assist military service members, military veterans, civil service employees and civilians who find themselves overwhelmed by debt. Our office is conveniently located close to the Wright-Patterson Air Force Base outside Dayton.

Our firm includes one of only 11 attorneys in the state who are board-certified in consumer bankruptcy law by the American Board of Certification. We are familiar with both federal and state laws affecting military personnel, including the Servicemembers Civil Relief Act of 2003 (SCRA), which provides additional protection against debt collectors.

You May Have Access To Unique Bankruptcy Benefits

As an active-duty service member, reservist or veteran, you may benefit from certain bankruptcy provisions that are limited to qualifying military personnel. For instance:

  • If you receive veterans benefits, they may be considered exempt assets. This means they would not be counted when you file bankruptcy.
  • If you are in a combat zone, you can avoid the mandatory credit counseling that most people must compete prior to filing bankruptcy.
  • If you are a veteran with a qualifying disability, you may not need to take the means test to qualify for Chapter 7 bankruptcy. This could allow you to completely eliminate debts instead of having to create a repayment plan.

To learn more about the specific conditions you must meet, set up a free consultation with one of our lawyers.

We Are Here To Answer Your Questions And Help You Find A Fresh Start

Worried about losing your security clearance if you file? Wondering whether you should file in your home state or in Ohio? Concerned about how your bankruptcy petition may affect your active-duty spouse, if you are a civilian?

Get clear answers to your questions about military bankruptcy. Call Kennel Zeigler LLC at 937-356-3735 or contact our Dayton office by email. We are standing by to help you regain control of your finances and start again.

*We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.