Posts by David Smith
How to Cancel a Reaffirmation Agreement
When filing bankruptcy typically all, or a majority, of your debts are discharged and you are no longer responsible for these debts. A reaffirmation agreement comes into play when you are dealing with secured creditors (i.e. car loans, mortgages, etc.). When you reaffirm a debt you are signing a contract making you responsible for that debt after…
Read MoreFollow Ohio Estate Attorney on Facebook
Facebook doesn’t have to waste time – use it to educate yourself! Most of us waste time everyday on Facebook. But you can gain a lot of useful information by checking out Ohio Estate Attorney’s posts. If you enjoy this blog, “like” Ohio Estate Attorney on facebook. It’s all the Ohio Estate Attorney offers here on this blog plus interesting…
Read MoreOverview of the Ohio Probate Process
When a family member or close friend passes away there are a lot of tough decisions to be made. The majority of individuals that I meet with want to set up their estate in order to avoid probate. There are additional costs and time that come along with the probate process. Whether you can avoid the…
Read MoreWatch John Oliver's Epic Takedown of Debt Buyers
Recently the thought provoking HBO show “Last Week Tonight with John Oliver” delved into the world of Debt Buyers. A key point made early on is that many people find themselves in debt due to no fault of their own. I see this every day when talking with individuals about their specific circumstances. No matter…
Read MoreMedian Family Income for Cases Filed On or After May 1, 2016
A term you might often hear when discussing or researching information about bankruptcy is “median family income.” If you do not know what this means you are not alone. However, the Median Family Income in Ohio amount is very important. It determines whether you qualify to file Chapter 7 Bankruptcy. The current monthly income test looks…
Read MoreBankruptcy, Documents and the Clients Who Keep Them
If your bankruptcy attorney hasn’t filed your case yet…chances are they are waiting on documents. Once you retain a bankruptcy attorney they will give you a list of documents they need. An issue that commonly arises is that time goes by and new documents are necessary to obtain. The quicker you provide the necessary information the quicker…
Read MoreDischarging Tax Debt in Bankruptcy
Have you ever heard the statement “tax debt is not dischargeable in bankruptcy”? Luckily that assumption is not entirely correct and relief may be available. Non-dischargeable taxes includes debts for unpaid property taxes and any debts associated with unpaid income taxes, due within the 3 years immediately prior to filing bankruptcy. Requirements of Dischargeable Tax Debt…
Read MoreAre Reinstatement Fees Keeping You From A Valid Driver's License?
Ohio Bureau of Motor Vehicles (BMV) Reinstatement Fees Are these reinstatement fees preventing you from obtaining a valid driver’s license? If so, one way to address this issue is to file bankruptcy. A driver’s license suspension can happen for a number of different reasons. (getting a DUI/OVI, having multiple traffic violations or speeding tickets, or owing a…
Read MoreMake 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. This, in turn, will provide more to answer your specific questions during the free consultation. The items requested are not meant to overwhelm you and should not stop you from seeking legal advice. If you…
Read MoreKeeping Your Tax Refund When Filing Bankruptcy
Benjamin Franklin is attributed with the saying that nothing is certain except death and taxes. And while little can be done about the certainty of death, I can help you maximize the money that stays in your pocket by utilizing your tax refund exemptions when you file for bankruptcy. On the date you file for bankruptcy,…
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