discharging tax debt

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…

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reinstatement fees

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…

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Filing for bankruptcy provides individuals with a fresh start while eliminating their debt.  However, not all of your debt will be wiped clean upon receiving your Discharge Order.  This means that when your bankruptcy case is closed debts that are not discharged in bankruptcy will remain. Most people are aware that (1) student loans, (2)…

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This site has blogged before about how debt collectors cannot threaten to bring criminal actions for an unpaid debt.  While this is true for most debts, there is an exception for creditors who received a check that bounces.  If you are caught passing bad checks (i.e. you write a check to a creditor and it bounces) the creditor…

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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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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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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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Can Tax Debt Be Discharged in Bankruptcy? “Tax debt is not dischargeable in bankruptcy,” is the assumption of many people faced with looming delinquent notices, but luckily that assumption is not entirely correct and relief may be available.  Non-dischargeable tax debt includes debts for unpaid property taxes and any debts associated with unpaid income taxes,…

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Creditors Last Line of Defense in Bankruptcy – Objections to Discharge Little stands in the way of a debtor who has passed the multiple hurdles in bankruptcy from discharging all of their unsecured debts, except a creditor’s objections to discharge.  Discharge of debts is the primary purpose for filing bankruptcy; bankruptcy language for “getting rid of…

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How Secured Creditors are Different from Unsecured Creditors in Bankruptcy When a debtor files for bankruptcy, most of their debts will be held by either secured or unsecured creditors.  Understanding these types of creditors and how they are treated is important for successfully completing one’s bankruptcy. A “secured creditor” is a person or business that loaned…

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