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Yes. Filing Chapter 13 bankruptcy before the lender sells the vehicle may allow you to recover a repossessed car in Ohio through a turnover order. Timing matters because lenders often move quickly toward auction after repossession. Talk to a Lawyer…
Can Chapter 13 Bankruptcy Remove a Second Mortgage? Yes. Chapter 13 bankruptcy may allow Ohio homeowners to remove a second mortgage or HELOC through lien stripping if the home’s value is lower than the balance owed on the first mortgage….
Can Chapter 13 Stop Foreclosure in Ohio? Yes. Filing Chapter 13 bankruptcy before a sheriff sale may stop foreclosure and allow Ohio homeowners to spread missed mortgage payments across a repayment plan lasting up to five years. Protection often ends…
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…
