Susan M. Gray is a sole practitioner representing clients in need of bankruptcy and consumer protection in Rocky River, Ohio, also serving clients from surrounding communities including Cleveland, Lorain, Elyria, Bay Village, Middleburg Heights, Westlake, Garfield Heights, Maple Heights, and Cuyahoga County, OH.

The law firm is a debt relief agency. Since I help clients file for bankruptcy, I can offer clients more options than non-legal alternatives such as debt consolidation and credit counseling. This provides clients with the powerful protection of federal law, which no non-bankruptcy alternative can offer. I operate my bankruptcy practice on several key principles for the benefit of my clients: • Knowledge of the Bankruptcy Code provides the most valuable tool to plan for a successful bankruptcy; • Every case turns on its own facts, so we need very careful and precise knowledge about your financial facts and your personal goals. Your case hinges on facts, which take precedence at all times; • A job worth doing is a job worth doing right, and doing it right requires getting to know you and your goals;

Ohio Consumer Protection Law Firm I use all of my talents and skills while working as bankruptcy and consumer protection lawyer with persons from the Northeastern Ohio Area. I remind all my clients that bankruptcy is not about loss and failure so much as it is about giving you protection from your creditors and allowing you a fresh start. If you are thinking about filing a consumer bankruptcy but hesitating, because you wonder what you will have to "give up," consider: where will you be in five years if you do NOT file for bankruptcy? OR: where could you be in five years if you got a fresh start by eliminating your crushing debts and starting with a clean slate? I can show you how to protect your 401K, your home, and much more. Please take time before you get the 401(k) loan, before cashing in your retirement, before the home refinance and before the second mortgage. Your retirement is protected from your creditors and you need it. Your home can be protected in a bankruptcy. The second mortgage, or mortgage refinance, takes easily dischargeable debt and glues it to your home. Cleveland Small Business Bankruptcy Attorney OH Whether you are an individual or representing a small business in need of bankruptcy counsel, assistance and representation, I take pride in a job well done.

Ohio Consumer Protection Attorney Bankruptcy and consumer protection lawyer Susan M. Gray has been helping troubled consumers find debt relief through consumer bankruptcy and other consumer protection measures in Rocky River, Ohio, for over a decade. She has many satisfied clients from Rocky River and surrounding communities including Cleveland, Lorain, Elyria, Bay Village, Middleburg Heights, Westlake, Garfield Heights, Maple Heights, and Cuyahoga, OH who appreciated and benefited from the facts that

• she takes pride in a job well done • she is well versed in the statutes pertaining to bankruptcy as well as consumer protection acts and • she gets her clients to give complete facts, which helps prevent objections of creditors.

Susan Gray meets regularly with other bankruptcy attorneys through her participation in the National Association of Consumer Bankruptcy Attorneys. This organization helps her keep up to date on the best practices and the legal community's response to recent changes and new bankruptcy laws. Contact her for a free consultation if you are contemplating bankruptcy, need other consumer protection help, or face bankruptcy litigation.

Ohio Small Business Bankruptcy Attorney Susan M. Gray, Attorney at Law , offers reassuring, empathetic, and skillful bankruptcy and consumer protection legal advice and representation to clients in Rocky River, Ohio, and surrounding communities including Cleveland, Lorain, Elyria, Bay Village, Middleburg Heights, Westlake, Garfield Heights, Maple Heights, and Cuyahoga, OH. My practice centers on the Bankruptcy Code and consumer protection acts, namely, • Consumer bankruptcy , including Chapter 7 and Chapter 13 • Small business bankruptcy • Discharging taxes in bankruptcy • Foreclosure defense • Consumer protection

Cleveland Discharging Taxes Law Firm I am a small business bankruptcy attorney who understands your fears and hesitations about filing for bankruptcy. I can help walk you through the process, from start to finish, showing you the advantages and disadvantages, every step of the way. I can calm your fears, by methodically analyzing the facts of your case and explaining what we can do to help remove the burden of contracts, leases, or taxes that make continuing your business difficult or impossible. Most taxes cannot be discharged in bankruptcy, but some can.

http://www.smgraylaw.com

Susan M. Gray, Attorney at Law

22255 Center Ridge Road, Suite #210 Rocky River, OH 44116 Phone: (440) 331-3949

Fax: (440) 331-8160