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LAKE LAW, PLLC
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Jump Legal Group - Bankruptcy Attorneys in Columbus, OH
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Columbus-based bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings, debt settlement, and creditor relief for individuals and families in Ohio.
Data compiled from public sources
Jump Legal Group - Bankruptcy Attorneys Review
Jump Legal Group is a bankruptcy law practice based in Columbus, Ohio, with three convenient office locations. The firm is led by Mark Jump and focuses exclusively on bankruptcy and debt resolution services for individuals and families struggling with overwhelming debt and creditor issues.
The firm offers comprehensive bankruptcy services including Chapter 7 and Chapter 13 filings, debt settlement, and listed assistance with credit card debt, tax debt, repossession defense, wage garnishment, foreclosure defense, and creditor harassment. They also handle related debt issues including payday loans, student loan debt, tax levies, and liens. All services are provided with listed pricing and no fees to verify.
Jump Legal Group distinguishes itself through multi-location accessibility in the Columbus area, emphasis on fast response times (particularly for wage garnishment cases), and claims of experience helping thousands of Ohio residents. The firm highlights that clients "always leave our law office feeling better than when they arrived," suggesting focus on client experience and consultation quality. They offer free initial consultations to discuss options before committing to services.
As with any bankruptcy attorney, consumers should understand that filing for bankruptcy has significant long-term credit implications (7-10 years on credit reports) and is a serious legal decision. While the firm claims experience context, the decision to file should be made only after careful consultation and consideration of alternatives. The website provides general information but actual cost, success rates, and specific outcomes are not detailed.
Services & Features
Chapter 13 bankruptcy filing
Chapter 7 bankruptcy filing
Credit card debt resolution
Creditor harassment cease and desist
Debt settlement negotiation
Foreclosure defense and prevention
Payday loan resolution
Student loan debt management
Tax debt elimination and management
Tax levy and lien removal
Vehicle repossession defense
Wage garnishment prevention and relief
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Three convenient Columbus locations for in-person consultations
- Free initial consultation with experienced bankruptcy attorneys
- listed pricing with explicitly stated 'no fees to verify' policy
- Fast response time on urgent matters like wage garnishment and repossession
- Experience handling both Chapter 7 and Chapter 13 bankruptcy filings
- listed experience context in tax debt elimination and IRS-related issues
- Offers foreclosure defense without requiring bankruptcy filing in some cases
Cons
- Website does not disclose specific pricing, payment plans, or average costs for services
- No client testimonials, case results, or success rates published on the website
- Limited information about attorney credentials, bar standing, or specific experience levels
- Bankruptcy filing will negatively impact credit score for 7-10 years regardless of firm quality
- Website copy uses vague claims ('thousands of individuals') without specific metrics or verification
State Consumer Finance Context
This is state-level context for Bankruptcy Services consumers in Columbus, OH. It does not confirm that Jump Legal Group - Bankruptcy Attorneys or this specific location is licensed.
State regulator
Ohio Department of Commerce Division of Financial Institutions
Consumer protection
Credit and debt help rules in Ohio
Relevant law: Ohio Credit Services Organization Act (Ohio Rev. Code § 4712.01-4712.14)
Registration: Required with Ohio Division of Financial Institutions
Upfront fees: Listed as prohibited in the current CreditDoc state summary
- Credit repair organizations must provide a written contract before performing any services, detailing all terms, conditions, and charges
- Companies must disclose in writing the consumer's right to dispute inaccurate items on their credit report directly with credit reporting agencies
- Credit repair companies are prohibited from charging fees before services are actually performed or results are delivered
Key state rules to check
- HB 123 (2018) reformed payday lending with 28% APR cap plus a monthly maintenance fee.
- Short-term loans capped at $1,000 with minimum term of 91 days.
- Monthly maintenance fee of up to 10% of original principal (max $30/month).
Complaint resources
- Ohio Department of Commerce Division of Financial Institutions - State Regulator
- Ohio Attorney General Consumer Protection Section - State AG
- Consumer Financial Protection Bureau (CFPB) - Federal
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Frequently Asked Questions
What services does Jump Legal Group - Bankruptcy Attorneys offer?
Jump Legal Group - Bankruptcy Attorneys offers 12 services including Chapter 7 bankruptcy filing, Chapter 13 bankruptcy filing, Debt settlement negotiation, Credit card debt resolution, Tax debt elimination and management, and 7 more.
What profile signals are listed for Jump Legal Group - Bankruptcy Attorneys?
Jump Legal Group - Bankruptcy Attorneys has profile signals associated with Ohio residents facing wage garnishment or imminent vehicle repossession needing urgent legal intervention, Individuals with significant tax debt seeking IRS relief options through bankruptcy, Homeowners in Columbus area facing foreclosure wanting to explore defense or loan modification alternatives, Families overwhelmed by multiple debt types (credit cards, medical, payday loans) seeking comprehensive debt elimination.
What are the strengths and weaknesses of Jump Legal Group - Bankruptcy Attorneys?
Key strengths: Three convenient Columbus locations for in-person consultations; Free initial consultation with experienced bankruptcy attorneys; listed pricing with explicitly stated 'no fees to verify' policy. Areas to consider: Website does not disclose specific pricing, payment plans, or average costs for services; No client testimonials, case results, or success rates published on the website.
How does Jump Legal Group - Bankruptcy Attorneys compare to similar companies?
In the Bankruptcy Services category, comparable providers include LAKE LAW, PLLC, Saedi Law Group, LLC, Fonfrias Law Group, LLC. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
Quick Facts
- Headquarters
- 4449 Easton Way #200, Columbus, OH 43219
- BBB Accredited
- No
CreditDoc Profile Note
Research Note on Jump Legal Group - Bankruptcy Attorneys
Jump Legal Group is appropriate for Columbus-area residents facing serious debt crises including creditor collection action, repossession, wage garnishment, or foreclosure who need bankruptcy counsel or aggressive debt defense. The primary caveat is that bankruptcy is a significant legal decision with long-term credit consequences (7-10 years); consumers should use the free consultation to thoroughly explore all alternatives before committing, and should verify attorney credentials and specific experience before retaining services.
Profile Signals
- Ohio residents facing wage garnishment or imminent vehicle repossession needing urgent legal intervention
- Individuals with significant tax debt seeking IRS relief options through bankruptcy
- Homeowners in Columbus area facing foreclosure wanting to explore defense or loan modification alternatives
- Families overwhelmed by multiple debt types (credit cards, medical, payday loans) seeking comprehensive debt elimination
Updated 2026-04-29
More Bankruptcy Services
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Quick Summary
- Jump Legal Group - Bankruptcy Attorneys is listed as a Bankruptcy Services provider in Columbus, OH on CreditDoc.
- Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
- If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
- For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.
Next Steps
Find contact or location Check phone, address, map, and website availability. Check specific services See whether the provider lists the help you need. Review fit context Use the quiz to compare category, service, and public-rating fields. Compare alternatives Review similar providers before making contact. Improve your position What Your Credit Score Actually Means: Number-by-Number Breakdown Learn the basics Start the free Credit Fundamentals course.
Financial Wellness Guides
What Your Credit Score Actually Means: Number-by-Number Breakdown
A plain-English breakdown of every credit score range — what each number actually means for your loans, cards, and daily life, plus exactly what to do about yours.
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Read guide →Financial Terms Explained (14 terms)
New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
How Loans Work
Default — Loan Default
When you fail to repay a loan according to the agreed terms — usually after 90-180 days of missed payments. It's the point where the lender gives up on collecting normally.
Why it matters
Default triggers severe consequences: credit score drops 100+ points, the debt may be sent to collections, you could be sued, and your wages or assets could be seized.
Example
You miss 4 consecutive car payments. The lender declares your loan in default, repossesses your car, sells it at auction for $8,000, and you still owe the remaining $5,000 (called a deficiency balance).
Legal Terms
CFPB — Consumer Financial Protection Bureau
A federal agency created in 2010 to protect consumers from unfair financial practices. They write rules, supervise financial companies, and handle consumer complaints.
Why it matters
The CFPB is your most powerful ally against high-cost lenders. Filing a complaint with them gets a response from the company within 15 days — companies take CFPB complaints seriously.
Example
A debt collector calls your workplace after you told them to stop. You file a CFPB complaint online. Within 15 days, the collection agency responds and agrees to stop. The CFPB tracks complaint patterns across all companies.
FDCPA — Fair Debt Collection Practices Act
A federal law that limits what debt collectors can do. They can't call before 8am or after 9pm, can't harass you, can't lie, and are required to stop contacting you if you request in writing.
Why it matters
Knowing your FDCPA rights stops abusive collection tactics. If a collector violates the law, you may have a right to sue for up to $1,000 per violation plus attorney fees.
Example
A collector calls your workplace 3 times after you told them not to. That's 3 FDCPA violations. You hire a consumer attorney (free — they get paid by the collector). The collector settles for $3,000.
Garnishment — Wage Garnishment
A court order that requires your employer to withhold part of your paycheck and send it directly to a creditor. Usually happens after a creditor sues you and has obtained a judgment.
Why it matters
Federal law limits garnishment to 25% of disposable income. Some states have lower limits. Student loans and taxes can be garnished without a court order.
Example
You owe $8,000 on a defaulted credit card. The bank sues, gets a judgment, and garnishes your wages. On a $3,000/month net paycheck, they take $750/month until the debt is paid.
Statute of Limitations — Statute of Limitations (Debt)
A time limit (typically 3-6 years, varies by state) after which a creditor can no longer sue you to collect a debt. The debt still exists, but they lose the legal power to force payment.
Why it matters
Knowing your state's statute of limitations prevents you from being tricked into paying debts that are legally uncollectable. Beware: making a payment can restart the clock.
Example
You have a $3,000 credit card debt from 2019. Your state has a 4-year statute of limitations. In 2024, a collector calls demanding payment. The statute has expired — they cannot sue you.
Debt & Recovery
Chapter 13 Bankruptcy — Chapter 13 Bankruptcy (Reorganization)
A type of bankruptcy where you keep your assets but follow a court-approved 3-5 year repayment plan to pay back some or all of your debts. Stays on credit for 7 years.
Why it matters
Chapter 13 may be more relevant than Chapter 7 if you have a home or assets you want to keep. It can stop foreclosure and let you catch up on mortgage payments over 3-5 years.
Example
You're 3 months behind on your mortgage and have $30,000 in credit card debt. Chapter 13 stops foreclosure and puts you on a 5-year plan: you pay $600/month to catch up on the mortgage and pay 40% of the credit card debt.
Chapter 7 Bankruptcy — Chapter 7 Bankruptcy (Liquidation)
A type of bankruptcy that wipes out most unsecured debts (credit cards, medical bills) by liquidating non-exempt assets. It stays on your credit for 10 years.
Why it matters
Chapter 7 gives you a fresh start but at a steep cost: 10 years on your credit, difficulty getting loans, and you may lose assets. Income is generally required to be below your state's median to qualify.
Example
You have $45,000 in credit card debt and earn $35,000/year. Chapter 7 erases the debt. You keep exempt property (basic car, household items). Your score drops to ~500 but you're debt-free.
Charge-Off
When a creditor declares your debt a loss after 180 days of nonpayment and removes it from their books. But you still owe the money — they just stop expecting to collect it themselves.
Why it matters
A charge-off is one of the most damaging entries on your credit report and stays for 7 years. The debt is usually sold to a collection agency who will pursue you for it.
Example
You stop paying your $4,000 credit card. After 180 days, the bank charges it off and sells the debt to a collector for $800. The collector now contacts you demanding the full $4,000 (they profit from what they collect above $800).
Collections — Debt Collections
When an unpaid debt is transferred or sold to a third-party collection agency that specializes in recovering the money. Collection accounts appear on your credit report for 7 years.
Why it matters
Even a $50 collection account can drop your score 50-100 points. Some newer FICO models (FICO 9) ignore paid collections, but many lenders still use older models.
Example
An old $200 gym bill goes to collections. It appears on all 3 credit reports and drops your 720 score to 640. Paying it helps with newer scoring models but under FICO 8 (still widely used), a paid collection still hurts.
Debt Consolidation
Combining multiple debts into one single loan with one monthly payment, ideally at a lower interest rate. It simplifies repayment and can reduce total interest.
Why it matters
Consolidation is generally most useful when you get a lower rate than your existing debts. But it doesn't reduce what you owe — and extending the term can mean paying more total interest.
Example
You have: $5,000 at 22% (credit card), $3,000 at 18% (store card), $2,000 at 25% (payday loan). A $10,000 consolidation loan at 11% saves you ~$2,100 in interest over 3 years.
Debt Settlement — Debt Settlement / Negotiation
Negotiating with creditors to accept less than the full amount you owe — typically 40-60 cents on the dollar. Usually done after you've already fallen behind on payments.
Why it matters
Settlement can save thousands, but it severely damages your credit (settled accounts show for 7 years) and the IRS may tax the forgiven amount as income.
Example
You owe $15,000 on a credit card and negotiate a settlement of $7,500 (50%). You save $7,500 but: your credit drops 100+ points, the account shows 'settled' for 7 years, and you may owe taxes on the $7,500 forgiven.
DTI Ratio — Debt-to-Income Ratio
The percentage of your monthly gross income that goes toward paying debts. Lenders use it to judge whether you can afford another loan payment.
Why it matters
Most lenders want DTI below 36% for personal loans and below 43% for mortgages. Above that, you're considered overextended and likely to be denied.
Example
You earn $5,000/month gross. Your debts: $1,200 mortgage + $300 car + $200 student loans = $1,700/month. DTI = 34%. A new $400/month loan would push you to 42% — risky for lenders.
Judgment — Court Judgment (Debt)
A court ruling that says you legally owe a specific amount to a creditor. It gives the creditor power to garnish wages, freeze bank accounts, or place liens on your property.
Why it matters
Judgments are enforceable for 10-20 years (varies by state) and can be renewed. They give creditors far more collection power than a simple unpaid debt.
Example
A credit card company sues you for $8,000 and has obtained a judgment. They can now garnish 25% of your paycheck ($750/month on a $3,000 net salary) and freeze your bank account.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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