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June 2017 Archives

Getting a new mortgage after filing bankruptcy

Perhaps one of the biggest concerns among homeowners in Ohio who are considering bankruptcy as the solution to their debt problems is how such a decision might impact their future. Specifically, people often worry that they will not be able to buy a home or get a new home loan ever again with such a mark on their credit histories. This is not actually the case. Home ownership after bankruptcy is indeed possible.

Bankruptcy topics: Is your debt secured or unsecured?

Your financial situation may have reached a level where you can no longer keep your head above water. You began looking for debt relief alternatives, and you believe that bankruptcy may be a viable option for you. When you explore the possibility further, you begin to see discussions about how the process handles your debt depending on whether it's secured or unsecured.

Sale of seafood company stopped by creditors

Most in Cleveland likely view bankruptcy as a choice made by those looking to avoid further action being taken against them by their creditors. Yet in some cases, it may be the other way around. A person or company’s creditors may find it to be in their best interest to force a debtor into bankruptcy in order to recover a portion of their claims. While many view such a move as being drastic, some parties may view it as the only way to avoid losses associated with a liability claim.

What should I know about debt collection?

If you are faced with significant debt in Cleveland, creditor harassment is bound to be a real issue for you. To this end, it’s important that you are aware of the ways creditors are permitted to contact you, as well as the methods that are not permissible by law. That way you can easily recognize creditor harassment and subsequently deal with it in the appropriate manner.

Common bankruptcy myths

Many people in Ohio think that bankruptcy is the answer to all of their financial problems when they find themselves facing an insurmountable amount of debt. They may be genuinely struggling to pay their bills and household expenses. But not being properly informed about bankruptcy can result in them not getting the debt relief they seek and lead to complications. 


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Rauser & Associates Legal Clinic LLP
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Cleveland, OH 44113
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Elyria, OH 44035
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