Ohio Bankruptcy Law Blog
Make missed mortgage payments a hiccup, not havoc
You thought losing your job was the worst that could happen– until you got too far behind on your mortgage. Now you’re at risk of losing your house, and you don’t know where to turn. Over 33,000 foreclosure cases were filed in Ohio last year. Things can seem hopeless...
What can you keep when you file for bankruptcy?
When you file for bankruptcy, especially Chapter 7, a court helps you get rid of your debt so you can start over. As part of that process, if you have any assets or possessions, a court may ask you to sell them to help pay off part of your debt. You may worry that you...
I want to file for bankruptcy: should I choose Chapter 7 or 13?
If you've made the decision that you want to find relief from debt through bankruptcy, it can be challenging to know what type will most benefit you. Both Chapter 7 and Chapter 13 can help you get your life back on track, but there are critical differences between the...
Understanding and stopping the repossession process
If you find yourself overwhelmed by debt, chances are that you are also dealing with phone calls from creditors and dealing with threats of certain collection actions, including repossession. You may be wondering if an Ohio creditor can actually take your vehicle, and...
Student loans: the numbers and solutions
When the topic of personal debt is brought to mind, credit card accounts are typically at the forefront of concern. Yet another type of debt that has recently moved to the center of public attention in Ohio is that produced by student loans. An overwhelming number of...
Not all debt collection practices are legal
The last thing that Ohio residents who have debts that they are finding it difficult to pay need to deal with are annoying and overly pushy debt collectors. Fortunately there are laws in place that protect consumers from what may be harassing activities. However,...
Not all collectors of debt must abide by the FDCPA
The Federal Trade Commission is the United States' consumer protection agency. Its duties include enforcing the Fair Debt Collection Practices Act for Ohio consumers as well as consumers throughout the country. This law makes it illegal for debt collectors to use...
Will the state of student loans ever improve?
College students nationwide wonder about their futures regarding student loans, and how they will pay off those loans. Oftentimes, these students and graduates fall into an unfortunate pocket of student debt that lingers for years, and even decades, after...
Putting the brakes on auto repossession
You may not even realize how much you depend on your car. Certainly, you complain about the gas you put into it, the cost of insurance and the ongoing maintenance, but your vehicle is responsible for getting you to your job and allowing you to fulfill many other...
Chapter 7’s road to a fresh start
Sometimes debts become so high that an Ohio person, despite great efforts, may never be able to pay them down barring winning the lottery. In such instance, one of the few ways certain to gain freedom from such a life-defeating burden is bankruptcy. There are a few...
