Bankruptcy Advice

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…

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…

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…

Filing for bankruptcy is your legal right if you can no longer afford your debts. But while bankruptcy is often the first step toward renewed financial health for many Ohio residents, there is a downside to filing for bankruptcy. If…

People who cannot afford to repay their debts may pursue bankruptcy to obtain financial relief and a fresh start. However, both Chapter 7 and Chapter 13 bankruptcy have specific rules, and various factors may disqualify you from filing. Here’s a…

Are you considering filing for bankruptcy? If so, you might wonder about how your decision will affect the rest of your life. Bankruptcies get reported to various parties, including credit bureaus, which raises the question: will your landlord learn if…