Archer Law 
Local. Professional. Experienced. 
(740) 788-2086
Our Services
An overview of services we provide


Chapter 7
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Chapter 7 bankruptcy is known as the "fresh start" bankruptcy. It discharges your debt with no repayment plan. Chapter 7 is the form of bankruptcy that most people think of when they think about bankruptcy. To qualify for a Chapter 7, your household must earn below the median income for our area. If you earn over this amount, Attorney Thomas Archer will discuss the "means test" with you and possible options for qualifying you for a Chapter 7. 
Most or all of your assets are likely to be protected in a Chapter 7 bankruptcy. There are bankruptcy exemptions that protect equity in your home, equity in vehicles, retirement accounts, business tools, electronics, and many other commonly held assets. At Archer Law, we will review your assets with you so you can make a fully informed decision regarding a bankruptcy filing. 
Chapter 7 can discharge credit card debt, medical debt, old utility bills, payday loans, unsecured loans, most civil court judgments and most personal injury claims. Chapter 7 may also discharged any secured loans you may have, if you wish to surrender the property. Some debts that may not be discharged in a Chapter 7 bankruptcy are certain tax debts, domestic support obligations, most student loans, debts incurred through fraud and certain fines owed to the government. Attorney Thomas Archer will answer any questions you have regarding the discharge of certain debts at your consult. 
 


Chapter 13
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A Chapter 13 bankruptcy is a 3 to 5 year repayment plan. You will repay between 1% and 100% of your debt. This amount is determined by your income and expenses, types of debt you have and any unprotected assets you may own. The remainder of the unpaid debt is discharged at the end of the bankruptcy.
Chapter 13 is most common for above median income households, people facing foreclosure and people struggling with student loan debt. Chapter 13 can also help people manage tax debt. While you are in a Chapter 13 bankruptcy, your life is not put on hold. Attorney Archer has helped people finance vehicles, sell their homes, buy new homes, obtain mortgage modifications to lower payments and start businesses while in a Chapter 13 bankruptcy. There are extra steps required to obtain these results while you are in a Chapter 13 bankruptcy so it is important to work with an attorney that will dedicate the time and knowledge to your case that it deserves.  
During your Chapter 13, you will make a monthly payment to your Chapter 13 Trustee. The Trustee then distributes the money to the creditors. Attorney Archer will review the entire process with you to make sure you are comfortable going forward. 


Wills & Probate
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Wills are an important document that may save significant time and financial resources for your loved ones. Wills can help resolve who administers your estate, who will benefit from your estate, guardianship of children, and several other issues. 
Attorney Archer will also discuss with you the limitations of your Will. It is important to remember that a Will does not change the contractual beneficiary on life insurance policies, retirement accounts and accounts payable on death. A Will will also not change the rights of a joint tenant with a right to survivorship. Attorney Archer will make sure you arefully informed going forward so your last wishes may be realized. Too often, an underserving ex-spouse or old friend is left on an account and receives a windfall in place of a loved one.
The Probate process is a court surpervised process that monitors the actions of the executor that generally benefits the beneficiaries. If a person passes away without a Will, or if the executor in the Will has passed away or become incapacitated, the court will appoint a representative. Creditors may then make claims against the estate and an inventory will be done of the estates assets. Once creditors and taxes are paid, a distribution to beneficiaries is made. Common probate problems include interpretation of the Will, misappropriation of funds, undue influence during the creation of the Will and probate settlement terms.


Consumer Rights 
 

There are federal, state and local laws that were eneacted to protect consumers. These laws protect consumers against fraud, defective products, breach of warranty, breach of privacy, unfair lending and creditor harasment. Unfortunately, companies know that many people are too busy working and raising their families to know all of their rights. These companies then get away with taking advantage of people.  
Central Ohio, and the nation, has seen a large increase in rent-to-own home contracts. The "landlord" then refuses to accept the financing and keeps the "tenant's" large deposit. These agreements are usually filled with unfair lending practices and outright fraud. This is only one example of a possible consumer rights case. Attorney Archer will review your individual circumstances.
Attorney Archer will review your case with you and give you a realistic evaluation of your situation. He will not make unfounded promises of large recoveries or promise a certain outcome. For an honest evaluation, please set up a consultation.  
A Local Law Firm. Here For You.
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