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Overwhelmed by debt? 

You have come to the right  place.

Patricia Kovacs, Attorney has been representing people and businesses in bankruptcy proceedings for 30 years.  

It is now possible to complete your entire bankruptcy case without leaving your home.  No office appointment is necessary!


A lifelong resident of Northwest Ohio, she is a former bankruptcy trustee for the Northern District of Ohio and she is a frequent speaker and author on bankruptcy law.

​A consultation is always free.  Call, text or email and see how the right legal advice can bring you a sense of relief.  


Patricia Kovacs is an Attorney licensed in the State of Ohio, the Northern and Southern District Courts for the State of Ohio and the Eastern District of Michigan.  She helps people file for bankruptcy relief under the bankruptcy code.  


Call or Text 419.270.3649


Office address: 445 Earlwood Ave. #109, Oregon, Ohio 43616

Mail:  PO Box 257 Curtice, Ohio 43412

Bankruptcy Basics


There are two types of bankruptcy actions a person can file. 

Chapter 7.  With a chapter 7 bankruptcy, your legal obligation to repay your debts is gone.  This is known as a “discharge.”  In order to qualify for a chapter 7, you must not have had another chapter 7 discharge in the past eight years and you must meet certain income requirements and you must complete a pre-filing "briefing" or counseling session with an approved provider online or by telephone.  Below you will find a link to a counseling provider to give you a head start in the filing of your case. 


In exchange for the debts going away, you must give the bankruptcy trustee any property you own so the trustee can convert the property into cash to pay your creditors. The law allows you to keep some or all of your property. These are known as “exemptions.” Most people’s property is completely exempt so you don’t have to worry about losing any property. At your initial appointment with our office, we will tell you if you are likely to lose any property and give you the pros and cons of filing a chapter 7 bankruptcy.


The paperwork filed with the bankruptcy court is known as a “Petition.” From the date a petition is filed, all collection action against you must stop. This includes wage garnishment, utility shutoff, automobile repossession, foreclosure and bank account garnishments. This is known as the “automatic stay.”

Chapter 13.  With a chapter 13 bankruptcy, you must repay your debts through a plan of reorganization as short as 3 years or as long as 5 years, depending on the type of debt you have.  Chapter 13 is for individuals who do not otherwise qualify for a chapter 7 bankruptcy because their income is too high or because they have major assets they would lose in a chapter 7.  You keep all of your property in a chapter 13 bankruptcy.  Your plan of reorganization can be as low as 1% or as high as 100% of your creditors, depending on a number of factors.  At your consultation with Patricia Kovacs we will estimate your payment plan.


Businesses can file either a chapter 7 bankruptcy or a chapter 11 bankruptcy.  A chapter 11 bankruptcy can be complicated, so call, email or text the office for a free consultation.

Full time family farmers can file a chapter 12 bankruptcy and municipalities can file a chapter 15 bankruptcy.

Call, text or email Patricia Kovacs.  She answers all calls personally.




A bankruptcy filing stops creditors from wage garnishments, utility shut-offs, collection letters and calls, harassment and can assist in reinstating your driver's license. Your case can now be handled start to finish without you having to leave your home. 


In many cases, real estate is the biggest investment of your life. Whether you're a buyer, seller with a mortgage, cash, land contract or real estate dispute, the Law office of Patricia Kovacs can help. 



Whether it's a contract dispute, a business closing or opening or your business is considering bankruptcy the Law office of Patricia Kovacs stands ready to help. 


Ending a marriage can be emotionally exhausting with issues such as custody, marital debt, dividing assets and child support. Patricia Kovacs served as a hearing officer for child support agencies for over 20 years and has a unique client-centered approach to family law cases.



Planning for the future is critical in our increasingly complicated world. Get the right advice for an estate plan tailored to you. 

Being a Plaintiff or Defendant in a lawsuit is never easy.  Put Patricia Kovacs' creativity and intelligence to work for you. 

Meet Patricia Kovacs

Meet Patricia Kovacs

Patricia Kovacs is a 1993 graduate of the University of Toledo College of Law and was awarded a Master of Public Administration degree graduating Magna Cum Laude in 1991.  She was a Trustee on the Chapter 7 panel of Bankruptcy Trustees from 1999-2006 and administered asset cases as a Trustee until 2012. She handles Chapter 7, Chapter 13 and Chapter 11 cases in the Northern and Southern Districts of Ohio including Toledo and all surrounding areas in the State of Ohio and the Eastern District of Michigan including Ann Arbor, Detroit and the surrounding area. 


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Office Address: 445 Earlwood Ave. #109 Oregon, Ohio 43616

Mailing address:  PO Box 257, Curtice, Ohio 43412

Telephone/Text:  419.270.3649

Fax: 866.812.2199


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