Bankruptcy Attorney in Parma, OH

Let’s be honest—no one wants to file for bankruptcy. It’s not something people daydream about or put on their five-year goals list. But life doesn’t always play fair. A layoff hits out of nowhere. Medical bills stack up faster than you can open the envelopes. Or maybe a divorce leaves you with half the income and all the debt. Whatever the cause, financial struggles have a way of feeling personal—even though they’re incredibly common.

I’m Mary E. Papcke, Attorney at Law, and I’ve been working with people from across Parma, Middleburg Heights, Strongsville, and North Royalton, who find themselves buried in debt and unsure what to do next. As a bankruptcy attorney, my job isn’t to shame or scold—it’s to listen, explain your options clearly, and help you figure out what kind of reset you need.

If you’re reading this and feeling overwhelmed, I just want to say: it’s okay. Really. You’re not the only one, and you have more choices than you think.

What Does a Bankruptcy Attorney Actually Do?

A lot of folks assume bankruptcy attorneys are only for “worst-case scenarios.” But here’s the truth: bankruptcy is a legal tool. It’s built into our system for a reason—to help good people get back on track when things spiral out of control. And a bankruptcy attorney is someone who knows the ins and outs of how that tool works.

Here’s what I do for my clients:

Explain the types of bankruptcy: Most people are looking at either Chapter 7 or Chapter 13, but the right fit depends on your income, assets, debts, and goals.

Assess your financial situation: We’ll look at everything—your income, your debts, what you own, what you owe—to see what makes sense.

Handle the paperwork: Bankruptcy involves a lot of forms, filings, and deadlines. I make sure everything is done properly and on time.

Protect your rights: If creditors are harassing you or trying to sue you, I help stop the chaos and give you space to breathe.

Guide you through the process: Whether it’s answering your questions about what you can keep, or standing beside you in court, I’m with you from start to finish.

But beyond the legal stuff, I’m here to give people hope. Bankruptcy isn’t about giving up—it’s about choosing a better path forward. And sometimes, just hearing that from someone who gets it can make all the difference.

When Should You Talk to a Bankruptcy Attorney?

Most people wait too long. I can’t tell you how many clients have told me, “I wish I had come to you sooner.” They’ve drained their savings, maxed out credit cards, taken out payday loans, even cashed out retirement accounts—just trying to stay afloat. And all that stress? It piles up fast.

So here’s my advice: If you’re losing sleep over bills, it’s time to talk to someone. Even if you’re not sure you want to file, even if you just have questions—that’s what consultations are for. You don’t have to be 100% certain. You just have to be open to learning your options.

Here are a few red flags that might mean it’s time to talk to a bankruptcy attorney:

Creditors are calling or suing you

You’re only making minimum payments and still falling behind

Your wages are being garnished

You’re relying on credit cards for everyday expenses

You’re avoiding opening mail or answering unknown calls

If any of that sounds familiar, please know you’re not alone—and there are solutions.

What Bankruptcy Can and Can’t Do

Let’s clear up a few myths. Bankruptcy isn’t a magic wand that makes all problems disappear. But it’s a powerful tool with real, practical benefits—especially when used wisely and with good legal guidance.

Here’s what filing bankruptcy can do:

Eliminate unsecured debts (credit cards, medical bills, personal loans)

Stop collection calls and lawsuits

Prevent wage garnishment

Temporarily stop foreclosure or repossession

Help you rebuild your financial foundation

Here’s what bankruptcy can’t do:

Erase student loans (in most cases)

Eliminate child support or alimony

Wipe out recent tax debt

Fix reckless spending habits (we’ll talk about budgeting too)

Every situation is different, which is why I always start by listening. I want to know what you need—and then we figure out if bankruptcy helps get you there.

Why Choose Mary E. Papcke, Attorney at Law?

There are plenty of attorneys out there who handle bankruptcy cases. But if you’re looking for someone who treats you like a person—not just a case number—you’re in the right place.

Clients tell me they appreciate the way I talk to them like real people. No legal jargon, no lectures, no pressure. Just straight answers, clear advice, and support from someone who genuinely wants to help.

I’ve been practicing law long enough to know that financial hardship can happen to anyone. I’ve seen business owners go bankrupt after a bad year. I’ve seen single parents crushed by medical debt. And I’ve seen everyday folks just trying to do their best get tangled up in a system that feels impossible.

If that sounds like you—or someone you care about—please reach out. We’ll sit down, go over your situation, and talk honestly about what’s next.

Serving Ohio Communities

I proudly serve individuals and families throughout Parma, Middleburg Heights, Strongsville, North Royalton, and the surrounding Ohio communities. Whether you’re just exploring your options or ready to file, you’ll find real help and honest answers here.

Contact Us at bankruptcyanddivorceLaw.com or call (440) 743-7000 to schedule a consultation. You’ve got options. Let’s talk about them.