Credit Card Companies are Watching You! SUMMARY:  Universal Default is the practice of credit card companies raising your interest rate if you pay a bill late. Rockwell was right when he sang “I always feel like, Somebody’s watching me, And I have no privacy.”  Someone is watching you…Credit Card companies!  Not only are they paying attention to your…

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Do you know what information is needed or what you need to bring to your initial Bankruptcy Consultation? If you answered no, you are not alone.  There is a lot of information that needs to be collected in order to put together a bankruptcy file and petition.  Your attorney will need to review this information and…

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Any bankruptcy filing will have an impact on your credit.  Filing bankruptcy will stay on your credit report for a minimum of seven (7) years.  The bankruptcy case will remain a part of your permanent financial record regardless of which type of bankruptcy you file.  If you file under Chapter 13 of the bankruptcy code then the…

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Under the The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA) a mathematical formula called the “Means Test” helps establish who can declare Chapter 7 bankruptcy.  Before BAPCPA debtors of all income levels could file for Chapter 7 protection, but now filers with higher incomes will be directed to file Chapter 13 if…

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Eviction, Bankruptcy and You A tenant being evicted from their residence used to have the option of filing bankruptcy to stop the eviction and remain in their dwelling.  Filing bankruptcy allowed the tenant to try and work things out with the landlord or at the least allow them more time to find another place to live.  However, since October…

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Are Ohio BMV reinstatement fees preventing you from obtaining a valid driver’s license?  If so, one way to address this issue is to file bankruptcy.   Your driver’s license can be suspended for a number of different reasons: (1) getting a DUI/OVI, (2) failure to appear in court or pay fees, (3) getting multiple traffic…

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A major concern people have when considering filing for bankruptcy protection is how to keep their property.  The amount of property you are allowed to keep depends on the Bankruptcy Exemptions in Ohio that you claim.  These exemptions allow bankruptcy filers to get the fresh financial start they seek while keeping their property. However, there are limits to what…

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I am Dayton Bankruptcy Attorney and I enjoy helping individuals and families navigate through their tough financial times.  I focus my practice on consumer Bankruptcy law (Chapter 7 and Chapter 13 bankruptcies), and I am licensed to practice throughout the State of Ohio and in the United States District Courts for the Northern and Southern Districts…

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