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May 2017 Archives

What if you cannot make your Chapter 13 payments?

For many of those in Cleveland that may be struggling with debt, the option of seeking bankruptcy protection may seem to be out of the question due to a desire to be able to repay their creditors on their own. If this describes your attitude, you should know that a Chapter 13 personal bankruptcy allows you to do this. You present a payment plan to the court which allows you to repay your debts while stopping creditors from taking further actions against you. Countless others in your position have turned to this particular form of debt relief. In fact, data shared by Fox Business shows that nearly 30 percent of the 1.175 million bankruptcy filings in 2012 were Chapter 13 cases.

Payday loan traps use your anxiety as bait

To say that payday loans are a trap may be an understatement, in the opinion of many financial counselors. The payday loan industry entices borrowers who are desperate or don't have the time or resources to investigate other ways to solve their financial crises. Perhaps you were in that situation when you took out your payday loan.

Explaining the Homestead Exemption

Debt struggles can strike almost anyone in Cleveland. If and when they affect you and your family to the point of having to consider a Chapter 7 bankruptcy, you will likely ask yourself the same question that many have brought to us here at Rauser and Associates Legal Clinic LLP: Can I keep my home? The answer to that question depends on a few different factors, yet there is hope that you will not have to lose what is likely your most valuable asset.

What situations do Chapter 7 bankruptcy suit?

As a resident in Ohio who is currently struggling with debt, you are likely looking over your possible bankruptcy options. There are two primary options available: Chapter 13 and Chapter 7. Depending on your unique situation, one will likely benefit you more than the other.

Beginning bankruptcy: Do you know how to petition the court?

After deciding to take the leap and move forward with bankruptcy to address your overwhelming debt, you may feel a sense of empowerment due to having a solid direction in which you would like to move. Of course, the bankruptcy process involves several steps, and that sense of empowerment may quickly turn to confusion if you do not know how to begin your process. Luckily, many of the steps have a relative simplicity.

Getting a new mortgage after a bankruptcy

Ohio residents who want to consider bankruptcy as an option to help them with their debt-relief needs may often hesitate for fear about their future ability to get new mortgages. Understanding exactly what type of an impact a bankruptcy may have on future creditworthiness is important so that consumers can make fully informed decisions.

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