Business Details
Your Trusted Bankruptcy Attorney in Reynoldsburg, OH
Christopher Gallutia, Attorney At Law, Attorney at Law, has dedicated over 36 years to providing expert legal guidance in bankruptcy law across Central Ohio. With a Juris Doctorate from Capital University Law School and recognition as Bankruptcy Attorney of the Year in 1996 and 2009, our practice focuses on delivering personalized debt relief solutions through Chapter 7 and Chapter 13 bankruptcy filings, tax resolution, and credit counseling.Our deep understanding of financial challenges allows us to help clients navigate complex legal processes while prioritizing transparency, ethical representation, and long-term financial stability. We combine decades of experience with a client-centered approach to ensure individuals and families achieve fresh starts free from overwhelming debt.
Services
Bankruptcy Attorney
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Credit Counseling
Tax Resolution
IRS Negotiations
Debt Relief
Tax Debt Settlement
Highlights and features
- We have over 36 years of experience in bankruptcy law.
- Recognized twice as Bankruptcy Attorney of the Year.
- Offer personalized debt relief solutions.
- Provide comprehensive services including Chapter 7, 13, tax resolution.
- Serve clients throughout Central Ohio.
What people say
Fantastic attorney
Knowledgeable and courteous
Keeps you informed
Great experience
Highly recommend
Services
Chapter 7 Bankruptcy
Chapter 7 bankruptcy eliminates unsecured debts like credit cards and medical bills through asset liquidation. Qualification requires passing a means test comparing income to Ohio's median. Clients receive expert guidance to determine eligibility and navigate the process efficiently while protecting exempt assets.
Chapter 13 Bankruptcy
Chapter 13 reorganizes debts into a 3-5 year repayment plan based on income and expenses. This option stops foreclosures, prevents repossessions, and allows debtors to retain property. We design affordable plans that meet court requirements while addressing individual financial circumstances.
Tax Resolution
Tax resolution services address back taxes, penalties, and IRS negotiations. We create customized plans like offers in compromise or installment agreements to reduce liabilities. Our expertise ensures compliance while minimizing financial burdens from audits or overdue filings.
Credit Counseling
Credit counseling provides tools to manage finances and avoid future debt traps. We offer strategies for budgeting, debt reduction, and rebuilding credit post-bankruptcy. Education focuses on sustainable financial habits tailored to individual needs and long-term stability.
IRS Negotiations
IRS negotiations reduce tax liabilities through penalty abatement, installment agreements, or offers in compromise. We represent clients in discussions with the IRS to minimize settlements and prevent legal consequences. Services include audit defense and resolution for wage garnishments or liens.
People
Christopher Gallutia, Attorney At Law
Attorney at Law
With over 36 years of experience, Christopher Gallutia, Attorney At Law specializes in bankruptcy law, serving Central Ohio clients. Recognized twice as Bankruptcy Attorney of the Year, he provides expert guidance on Chapter 7 and 13 filings, tax resolution, and debt counseling.
Questions
How often can I file for bankruptcy?
You can file Chapter 7 once every eight years. Chapter 13 has shorter limits. We review your history to determine the best timing for your case.
Can I keep my house and car?
If current on payments, you can typically keep assets. Chapter 13 lets you catch up missed payments, while Chapter 7 may allow loan reaffirmation.
What property can I keep?
Ohio exemptions protect essentials like clothing, household goods, retirement accounts, and limited home/car equity. We apply exemptions to preserve necessary assets.
How does bankruptcy affect credit?
Credit scores may drop initially, but many see improvement within a year. Responsible credit use post-filing helps rebuild credit faster despite the 7-10 year reporting period.
Can bankruptcy stop lawsuits or judgments?
Yes. Bankruptcy triggers an automatic stay halting lawsuits and collections. Most judgments can be discharged, except for child support or fraud-related debts.
How are Chapter 13 payments determined?
Payments depend on income, expenses, and debt types. Plans last 3-5 years, balancing affordability with court requirements to ensure fair repayment.
