When it feels like the weight of your debts and other payment obligations are keeping you from making any progress in life, it might just feel like you need a fresh start. There is no shame in wishing for a new beginning, so it is absolutely worth considering...
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Bankruptcy
Things to do before you file bankruptcy
Filing for bankruptcy is a significant decision, especially when you have concerns about the lasting effects on your credit. Unfortunately, many people are unfamiliar enough with the bankruptcy process that they make mistakes as they prepare to file. There are a few...
How Chapter 13 can protect your home from foreclosure
Homeowners facing bankruptcy often wonder if they can save their homes through the bankruptcy process. While Chapter 7 bankruptcy provides you with a little bit more time to resolve your pending foreclosure, Chapter 13 is different, and it allows you to save your home...
Tips to improve your credit after Chapter 7
Sometimes bankruptcy is the best option for your financial health. Unfortunately, filing for Chapter 7 comes with some side effects. For instance, you will take a significant hit on your credit score. However, this does not have to be a permanent situation. The...
Medical debt is the top cause of bankruptcy filings
Medical debt is the No. 1 reason that people file for bankruptcy. An abrupt illness can lead to excessive medical bills that are even difficult to pay for people who have full-time jobs and health insurance. The medical debt factor has been on the minds of many people...
Filing your Chapter 13 bankruptcy plan
Are you facing the prospect of going bankrupt in Ohio? The key to successfully handling your debts will be creating an alternate plan under Chapter 13. How can filing under Chapter 13 help you? Filing for bankruptcy under the terms of Chapter 13 can be advantageous in...
What to know about Ohio’s bankruptcy exemptions
It’s a difficult decision to decide to declare for bankruptcy. The stigma attached to bankruptcy, and the fear of losing everything, might discourage you from taking advantage of it to achieve fiscal freedom from overwhelming debts. Fortunately, the law has provisions...
What happens right after filing for personal bankruptcy?
Many people who are considering filing for bankruptcy in Ohio have read about what bankruptcy can do for them in the long term. After completing the whole bankruptcy process, most of your debts will probably be wiped clean, and you can then start the process of...
What to know about the Chapter 7 bankruptcy means test
Chapter 7 bankruptcy gives consumers in Columbus, Ohio, a legal way to remove burdening debt they can no longer handle. Only unsecured debts, such as medical and credit card debt, can get erased in bankruptcy. The secured debts, those that are backed by collateral,...
What happens to a home in a Chapter 7 bankruptcy?
It may be possible to keep your Ohio home after filing for Chapter 7 bankruptcy. However, that will depend on how much equity that you have in the property. Furthermore, you'll need to remain current on your home loan to retain ownership of the property. Let's take a...