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The automatic stay, defined under 11 U.S.C. § 362, is a statutory right that stops creditors, such as mortgage lenders, county sheriffs, and Private Selling Officers (PSOs), from continuing any collection activities. In Ohio, where foreclosure is a strictly judicial…
Ohio operates under self-help repossession laws. This means that a lender does not need to sue you, get a court order, or even warn you before they take their property back. As long as you are in default, and as…
If a debt collector is harassing you on the phone, know that the law puts limits on what they’re allowed to do. The main federal law is the Fair Debt Collection Practices Act (FDCPA). It covers third-party collectors, like collection…
Earning a high income does not automatically disqualify you from filing for Chapter 7 bankruptcy in Ohio. This is a common misunderstanding of the Ohio Means Test that prevents many individuals from exploring their debt relief options. Even if your…
The Ohio Means Test determines whether you qualify for Chapter 7 bankruptcy. Pass, and the court can wipe out your credit card balances, medical bills, and other unsecured debts in about four months. Fail, and you are looking at a…
Ohio Property Exemptions for Chapter 7 Liquidation When financial hardship becomes a heavy burden, the thought of losing your home, car, or cherished possessions can be a major source of anxiety. Many people delay seeking help because they believe that…
For any homeowner facing financial difficulty, the most pressing question is often, Will I lose my house? The fear of losing your family’s primary residence is a significant source of stress. Fortunately, Ohio law provides a powerful legal tool designed…
The single most powerful and immediate way to stop a wage garnishment is by filing for bankruptcy. The moment a bankruptcy case is filed, a federal court order called an Automatic Stay goes into effect. This stay acts as an…
Filing for bankruptcy in Ohio does not automatically mean you will lose your home. State law provides a significant protection for homeowners. Specifically, Ohio Revised Code § 2329.66(A)(1) allows an individual to exempt (or protect) up to $182,625 in home…
After an accident, hiring a personal injury attorney helps you protect your rights and move your case forward. However, some things you say (or leave unsaid) could hurt your claim. Knowing what not to say helps you work with your…
