4 02, 2016

Discharging Tax Debt in Bankruptcy

By |2016-12-09T21:34:08-05:00February 4th, 2016|Consumer Bankruptcy, Discharge of Debt (Fresh Start)|

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 [...]

29 01, 2016

Are Reinstatement Fees Keeping You From A Valid Driver’s License?

By |2016-12-09T21:34:09-05:00January 29th, 2016|Discharge of Debt (Fresh Start)|

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 [...]

8 04, 2015

Debts That Are Not Discharged in Bankruptcy

By |2016-12-09T21:34:23-05:00April 8th, 2015|Bankruptcy Code, Discharge of Debt (Fresh Start)|

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) [...]

5 01, 2015

Dayton Bankruptcy Attorney: Passing Bad Checks

By |2016-12-09T21:34:26-05:00January 5th, 2015|Automatic Stay, Discharge of Debt (Fresh Start), Should I File?|

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 [...]

20 11, 2014

How Long Does A Bankruptcy Stay On My Credit Report?

By |2016-12-09T21:34:32-05:00November 20th, 2014|Bankruptcy Filing, Consumer Bankruptcy, Discharge of Debt (Fresh Start)|

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 [...]

11 11, 2014

How to Eliminate Ohio BMV Reinstatement Fees

By |2016-12-09T21:34:39-05:00November 11th, 2014|Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Bankruptcy, Discharge of Debt (Fresh Start)|

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 [...]

5 11, 2014

Contact Ohio Estate Attorney David J. Smith Today

By |2017-02-07T15:05:29-05:00November 5th, 2014|Bankruptcy Basics, Bankruptcy Filing, Bankruptcy Law, Consumer Bankruptcy, Discharge of Debt (Fresh Start)|

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 [...]

21 09, 2014

The Dayton Bankruptcy Attorney: Tax Debt and Bankruptcy

By |2016-12-09T21:34:42-05:00September 21st, 2014|Chapter 7 Bankruptcy, Discharge of Debt (Fresh Start)|

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, [...]

15 09, 2014

The Dayton Bankruptcy Attorney: Objections to Discharge

By |2016-12-09T21:34:43-05:00September 15th, 2014|Credit Card Debt, Discharge of Debt (Fresh Start)|

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 [...]

24 08, 2014

Secured Creditors in Bankruptcy

By |2016-12-09T21:34:44-05:00August 24th, 2014|Bankruptcy Basics, Consumer Bankruptcy, Discharge of Debt (Fresh Start), Foreclosure (Mortgage Debt), Reaffirmation Agreements, Saving Your Car, Saving Your Home|

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 [...]