James and his wife Sabrina were one of the few couples that did not want to keep their home in their up and coming neighborhood. At first, they thought that their “transitional” neighborhood would increase the value of their house so they didn’t mind buying at the height of the housing bubble. Now, however it was obvious that they owed much more on the house than it was worth. Even though they made payments on time and in full, the stress of having to exorbitantly over pay on their loans was deeply troubling. Michael Warren explained to them during a consultation that filing Circleville Chapter 7 was a viable option especially since they no longer wanted an over-priced house. Michael explained that Circleville Chapter 7 is a section of law created by Congress to allow individuals, families and business owners to get a fresh start.
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