How to Stop a Wage Garnishment

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Once a creditor obtains a judgment against you their next step is to try and collect on the judgment.  The options the creditor typically exercise are (1) file for a wage garnishment, (2) file for a bank attachment, and (3) file a certificate of judgment.  If you are employed the garnishment of your wages is…

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Changes to the Official Bankruptcy Forms Beginning December 1, 2015

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Starting December 1, 2015 all United States Bankruptcy Courts will be using new bankruptcy forms for cases filed on or after this date.  These new forms will also be used for cases filed prior to December 1, 2015 but that require amended filings, additional filings, etc.  The United States Courts’ website states that “all but…

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Some Advantages of Chapter 13 Bankruptcy Cases

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While Chapter 7 might be the more “popular” way to file for bankruptcy relief there are several advantages of Chapter 13 bankruptcy.  One reason people file for Chapter 13 bankruptcy is because they  make too much money to qualify for Chapter 7.  However, there are many more reasons to file for bankruptcy protection under Chapter 13.  Some…

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The Proof of Claim – How Creditors Get Paid

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When you file a Chapter 13 bankruptcy case one of the most important responsibilities is to disclose a complete list of your creditors.  Once the case is filed this list is filed with the Court and the Court sends out a notice to each creditors listed.  Once the creditor receives notice of your bankruptcy case…

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Median Family Income for Cases Filed On or After November 1, 2015

This article is now outdated, please refer to our new article on Median Family Income after May 1st, 2016 to find the latest figures.  The Median Family Income in Ohio amount is a dollar amount that is very important when trying to figure out whether you can file a Chapter 7 bankruptcy case.  When discussing or…

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How To Put Together Your List Of Creditors

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Filing bankruptcy requires you to file certain information with the United States Bankruptcy Court.  One of these documents is the mailing matrix or list of creditors.  It is in your best interest to provide an accurate list in order for your creditors to receive actual notice of your case filing.  Sometimes clients are not aware…

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