The Median Family Income in Ohio amount is very important.  It determines whether you qualify to file Chapter 7 Bankruptcy.  It also determines the length of your repayment plan in a Chapter 13 Bankruptcy case.  The current monthly income test looks at the average gross family income for the six months before you file your case.…

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filing bankruptcy

There should be no shame in filing bankruptcy more than once.  Bad things happen to good people.  It is hard to tell when major financial crises will affect you and your family.  However, if you file too soon you may not be eligible to receive another discharge. There is no harm in filing bankruptcy again.…

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bankruptcy petition

You are finally ready to file your bankruptcy petition.  You have put in all of the hard work.  Your attorney has all of the information necessary to put your case together.  Your credit counseling course is completed.  You have met with your attorney and signed your Chapter 7 bankruptcy petition papers.  But what happens next?…

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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…

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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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reaffirmation agreement

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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picture of young family with blog title

When considering filing for bankruptcy protection a common question that is asked is “Do I qualify for bankruptcy?”  The short answer is yes, you do qualify to file.  Bankruptcy protection and the right to file bankruptcy is available to everyone.  The better question to ask is “what chapter (7 or 13) do I qualify for?” Even…

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If you find yourself in over your head with debt these 5 Debt Reduction Strategies just might help turn things around for you and let you avoid bankruptcy. Pay more than the minimum payment on your credit cards.  Paying only the minimum amount each month could help you wind up with more debt, more stress and more time…

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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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