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August 2017 Archives

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 obligations. Without your car, your situation may become dire.

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 the answer is yes, that is possible. This may seem like a violation, but you would be wise to know your options and your rights as a consumer, as well as how to make the repossession process stop.

Balancing divorce and bankruptcy filings

Ohio spouses know that of the many things that may contribute to conflict and discord in a marriage, financial challenges is perhaps one of the most common. For many people, things can get so bleak that not only do they contemplate ending their marriages but they also pursue the option of filing for bankruptcy. When faced with both of these experiences at the same time, it is important that the right choice be made as to which process to file for first.

Utility disconnection and customers' rights

Home is where the heart is, but it is also where one can maintain health and comfort with basic utilities such as water, heating and cooling and electricity. When companies revoke such utilities without notice, an individual may go through a series of emotional and physical distress. In addition, the effects of having a utility service shut off likely stem from preexisting financial distress. Ohio has its own set of state disconnection regulations and laws, and such rules are made to assist those in need and who sometimes cannot pay monthly utility bills.

Debt consolidation is not a silver bullet

While many in Ohio worry about finances from time to time, some people are really struggling with monthly bills and get behind. Maybe it is credit card payments sneaking up, or for others medical bills have made their financial situation unbearable. If this sounds familiar, debt consolidation may sound like a welcome solution.

Chapter 13 and mortgages

When Ohio residents struggling with unmanageable levels of debt need help, bankruptcy may well be one option that they pursue. However, before rushing into the decision to file for bankruptcy, it is important to assess the different types of plan available and map those to their assets to select the one right for their needs. 

How Chapter 7 bankruptcy can save you from foreclosure

As an Ohio resident, filing Chapter 7 bankruptcy may offer you an opportunity to get a financial fresh start if you are in the unfortunate position of not being able to pay your bills. It can even forestall foreclosure of your home. Be aware, however, that a Chapter 7 bankruptcy does not cancel your mortgage. What it does is temporarily stop the foreclosure and give you the chance to catch up on your missed payments.

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