Bankruptcy Basics
Free Bankruptcy Consultation: What To Bring To Your Appointment
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…
Read MoreHeard a Bankruptcy Myth – Don't Believe It!
The Creatures of the Court and Tales of Discharge – Bankruptcy Myths Debunked No area of law is more fraught with myths than bankruptcy law. When you are considering filing you will hear all kinds of information which is half-true, misleading or outright false. Like a mythical mermaid which some say lure a sailor to…
Read MoreBankruptcy: Pre-filing Do's and Don'ts
Pre-Bankruptcy Do’s and Don’ts If your bills are pilling up and creditors are continually harassing you, but you are not sure that you will have to file bankruptcy, there are some Do’s and Don’ts which may protect some of your property if you do eventually file. DO Continue making payments on vehicles which you intend…
Read MoreBankruptcy: Post-Filing Do's and Don'ts
If I have already filed for Chapter 7 bankruptcy protection, there are some important Do’s and Don’ts which come into play during the pendency of your case. DO continue making payments on vehicles which you intend to keep. Creditors secured by a car or truck can usually repossess the vehicle without notice to you anytime…
Read MoreWhat is the “Automatic Stay”?
The automatic stay keeps creditors away! The filing of a bankruptcy case automatically stays (or stops) virtually all collection and other legal proceedings pending against the debtor. After a bankruptcy case is filed, the court mails a notice to all creditors ordering them to refrain from any further action against the debtor. Any creditor who intentionally violates…
Read MoreWhat Is A Chapter 13 Bankruptcy Discharge?
Chapter 13 Discharge: Full v. Partial A Chapter 13 discharge is a court order releasing a debtor from all dischargeable debts and ordering creditors not to collect them from the debtor. A debt that is discharged is one that the debtor is released from and does not have to pay. There are two types of…
Read MoreChapter 13 Bankruptcy: What Does My Attorney Do?
The Duties of the Chapter 13 Bankruptcy Attorney In a Chapter 13 bankruptcy, your attorney performs the following functions: Examines your financial situation and determines whether a Chapter 13 filing is a feasible alternative for you, and if so, whether a single or a joint case should be filed; Assists you in the preparation of a budget;…
Read MoreChapter 13 Bankruptcy: How does it work?
A Quick Review of Chapter 13 Bankruptcy Chapter 13 bankruptcy is part of the bankruptcy code under which a debtor may repay all or a portion of their debts under the supervision and protection of the bankruptcy court. During this time, creditors are prohibited from contacting the debtor and the debtor is protected from foreclosure, just as…
Read MoreWhich Bankruptcy Filing Is Right For Me?
Chapter 7 v. Chapter 13: Find the Right Bankruptcy Filing for You How are Chapter 13 and Chapter 7 bankruptcy filing? Creditors are prohibited from contacting you while under the protection of the automatic stay, which goes into place upon the filing of either chapter; and Completion of the Credit Counseling Class is required…
Read MoreOhio Bankruptcy FAQs
Got a bankruptcy question? – I got answers! What is bankruptcy? Bankruptcy is a federal law designed to provide a fresh start to debtors. A fresh start including freedom from harassing creditor phone calls, lawsuits, repossessions and garnishments. It is a privilege granted to you under the United States Constitution. It is a very powerful law because…
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