Good News – Rebuilding Credit is Possible in as Little as 2 Years! Maybe you have heard it before – filing for bankruptcy ruins your credit and don’t even think about rebuilding credit for at least ten years.  This is false and perhaps the most popular myth about filing bankruptcy.  Credit card companies, debt consolidation companies and others, all…

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Most Debtors Keep Property in Bankruptcy – Call for a free consult, (937) 318-1529 A debtor may retain and redeem certain secured personal and household property, such as household furniture, appliances and goods, wearing apparel, and tools of trade, without payment to the secured creditor, if the property is exempt and if the mortgage or…

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Unsecured Creditors and their Treatment under Chapter 7 An unsecured creditor is a creditor without a valid lien or mortgage against property of the debtor, usually credit card companies or medical debt.  If the debtor has non-exempt assets, unsecured creditors may file claims with the court within 90 days after the first date set for…

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What is the time table  for bankruptcy? – Depends on the chapter you file How long a bankruptcy will take, from the time of filing until discharge, is one of many concerns clients have when considering whether or not to file.  Although this can depend on many circumstances, it mostly depends on which type, or…

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Is It Time To File for Chapter 7 Bankruptcy Protection? Generally, the following persons are not eligible for a Chapter 7 discharge: A person who has been granted a discharge in a Ch. 7 case filed within the last 8 years. A person who has been granted a discharge in a Ch. 13 case filed within…

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A Requirement of Filing: Credit Counseling Class In 2005 Congress adopted new bankruptcy laws known as the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA), one of the requirements of this new law included at requirement for debtors to obtain credit counseling from a government approved organization within 180 days before filing for bankruptcy…

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Make the Most of Your Free Bankruptcy Consultation! The following items will help me get to know you so that I can analyze your bankruptcy case as quickly as possible, and leave more of your free bankruptcy consultation to answer your specific questions bankruptcy and how it may affect you.  The items requested are not meant to overwhelm…

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Ohio Law Governs Fireworks Q: What kinds of fireworks can be lawfully set off in Ohio? A: Only “novelty and trick” fireworks, such as party poppers and glow worms can be discharged by unlicensed individuals. Section 3743.01 of the Ohio Revised Code defines these novelty and trick items as follows: “(1) Devices that produce a small report intended to surprise…

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