17 10, 2016

Using the Homestead Exemption?

By |2016-10-18T02:01:34-05:00October 17th, 2016|Bankruptcy Exemptions|

What is your homestead exemption?  The majority of homeowners that file bankruptcy do not want to lose their home.  People ask questions all of the time about what will happen with their house after the filing of a bankruptcy case.  When you file Chapter 7 Bankruptcy the Trustee assigned to your case takes control of all of [...]

25 01, 2016

Keeping Your Tax Refund When Filing Bankruptcy

By |2016-12-09T21:34:10-05:00January 25th, 2016|Bankruptcy Basics, Bankruptcy Exemptions, Consumer 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, [...]

11 01, 2016

Debunking Commonly Asked Bankruptcy Myths

By |2016-12-09T21:34:12-05:00January 11th, 2016|Bankruptcy Basics, Bankruptcy Exemptions, Consumer Bankruptcy|

When you are considering filing bankruptcy you will hear all kinds of bankruptcy myths – information which is half-true, misleading or outright false. Bankruptcy tales vary and grow with lore each time they are told. Here are some of the most common myths that I have heard: I will lose everything that I own if I [...]

7 07, 2015

The Key To Keeping Your Property…What To Do Before Filing Bankruptcy

By |2016-12-09T21:34:20-05:00July 7th, 2015|Bankruptcy Exemptions, Saving Your Home|

A lot of questions come up at initial consultations from clients about what to do with property in order not to lose it in a bankruptcy case.  Typically, if you are transferring property on the eve on filing a bankruptcy case your actions are too late.  If you disclose everything to your attorney before filing [...]

13 12, 2014

Bankruptcy and Tax Refund Exemptions: How to Protect Your Money

By |2016-12-09T21:34:29-05:00December 13th, 2014|Bankruptcy Code, Bankruptcy Exemptions|

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, [...]

11 12, 2014

Ohio Bankruptcy Exemptions: How to Protect Your Property

By |2016-12-09T21:34:30-05:00December 11th, 2014|Bankruptcy Exemptions|

A major concern from clients is whether they will lose their property when filing bankruptcy.  Properly applying the Ohio bankruptcy exemptions allows you to protect and keep your property.  A "bankruptcy estate" is created upon the filing of a Chapter 7 bankruptcy case.  Your bankruptcy estate is all of your property and property rights that the bankruptcy court has [...]

7 11, 2014

Protecting Your Property: Bankruptcy Exemptions in Ohio

By |2016-12-09T21:34:39-05:00November 7th, 2014|Bankruptcy Exemptions, Bankruptcy Filing, Bankruptcy Law, Bankruptcy Protection, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Bankruptcy, Saving Your Car, Saving Your Home, Should I File?|

A major concern people have when considering filing for bankruptcy protection is how to keep their property.  The amount of property you are allowed to keep depends on the Bankruptcy Exemptions in Ohio that you claim.  These exemptions allow bankruptcy filers to get the fresh financial start they seek while keeping their property. However, there are limits to what [...]

23 07, 2014

Last in Line: Unsecured Creditors

By |2016-12-09T21:34:53-05:00July 23rd, 2014|Bankruptcy Exemptions, Chapter 7 Bankruptcy, Reaffirmation Agreements|

Unsecured Creditors and their Treatment under Chapter 7 An unsecured creditor is a creditor without a valid lien or mortgage against property of the debtor, usually credit card companies or medical debt.  If the debtor has non-exempt assets, unsecured creditors may file claims with the court within 90 days after the first date set for [...]

13 05, 2014

Which Bankruptcy Filing Is Right For Me?

By |2016-12-09T21:35:04-05:00May 13th, 2014|Automatic Stay, Bankruptcy Basics, Bankruptcy Cases, Bankruptcy Costs, Bankruptcy Exemptions, Bankruptcy Filing, Bankruptcy Law, Bankruptcy Protection, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Bankruptcy, Discharge of Debt (Fresh Start), Should I File?, The Means Test|

  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 [...]

12 05, 2014

Ohio Bankruptcy FAQs

By |2016-12-09T21:35:04-05:00May 12th, 2014|341 Meeting of Creditors, Bankruptcy Basics, Bankruptcy Cases, Bankruptcy Costs, Bankruptcy Court, Bankruptcy Exemptions, Bankruptcy Filing, Bankruptcy Law, Bankruptcy Protection, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Bankruptcy, Discharge of Debt (Fresh Start), Foreclosure (Mortgage Debt), Medical Debt, Saving Your Car, Saving Your Home|

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 [...]