Our Legal Services
We provide a wide array of debt relief options including Chapter 7 bankruptcy, Chapter 13 debt reorganization, debt settlement negotiations with creditors, and foreclosure defense.
We assist clients in stopping wage garnishments, law suits, utility shut-offs, bank attachments, foreclosures, and repossessions.
- BANKRUPTCY: Are you trapped by overwhelming debt? Is foreclosure, repossession, wage garnishment or a bank account levy a real threat? Bankruptcy protection can provide the fresh start you need.
- Frequently Asked Questions About Bankruptcy:
The experienced Ohio personal bankruptcy attorneys at Fesenmyer Cousino Weinzimmer offer these general answers to frequently asked questions for individuals who find themselves in tough financial straights.
- Chapter 7: Are you struggling to deal with situations such as layoffs and downsizing, overwhelming medical and credit card bills and other mounting debts?
- Chapter 13: As you consider your debt relief options, you may determine that bankruptcy offers the best combination of protections and opportunities.
- Chapter 13 Vs. Loan Modification: Bankruptcy is a legal way to have many debts forgiven, and can put you on the road to financial recovery. Loan modification is another option. When you modify your mortgage, you may be able to have your lender change the terms of your loan to make it more affordable.
- Bankruptcy for the Self-Employed: Even the best-run businesses can run into financial difficulty, and you may be one of the many self-employed people in Ohio struggling to meet expenses.
- Tax Debt: People often think that they cannot eliminate their tax debts through bankruptcy, but this is a misconception. Many income tax debts and even Ohio state taxes, can be discharged through Chapter 7 and Chapter 13 bankruptcies.
- Creditors’ Rights When Reclaiming Debt: If you owe money to creditors, it pays to know what weapons they have to enable them to collect from you
- Student Loans Debt: The cost of a college education has become so high that student loan balances are increasing faster than any other category of debt.
- Debt Consolidation or Bankruptcy?: If dealing with bills and creditors has become overwhelming, you may be wondering whether debt consolidation or bankruptcy would be the better way to get you out of debt. The answer is complex and depends on your individual situation and factors such as your income, employment, assets, and whether you own a home.
- What Can and Cannot Be Discharged In Bankruptcy?: Bankruptcy is a powerful legal tool that can wipe out or greatly reduce consumer debt. Through Chapter 7 or Chapter 13 bankruptcy, a debtor has a chance at a fresh start.
- Stop Collections and Lawsuits: The Fair Debt Collection Practices Act (FDCPA) is intended to protect consumers from overreaching debt collection practices, such as abuse, deception and late-night phone calls.
- What Can I Keep?: Many people put off considering bankruptcy as a form of debt relief because they are afraid of losing valuable assets in the process.
- What Are the Differences Between Filing Jointly and Filing Individually?: If you and your spouse have gotten yourselves into a financial hole and are considering bankruptcy as a solution, you might be wondering whether it is better to file for bankruptcy individually or to do it jointly.
- Alternatives to Bankruptcy: If you’re overwhelmed by debt but don’t want to file bankruptcy, there are alternatives you may be able to take.
- Consumer Bankruptcy Glossary: Consumer bankruptcy is designed to eliminate all of your dischargeable debt and give you a financial fresh start.
- Common Questions About Bankruptcy: The experienced Ohio bankruptcy attorneys at Fesenmyer Cousino Weinzimmer can help you navigate the maze of regulations, recognize which debts may be discharged, and determine what is the best chapter for you to file.
- FORECLOSURES: The threat of foreclosure is one of the greatest fears of a homeowner with mortgage troubles. Fear of losing your home can derail your sense of security.
- REPOSSESSIONS: If you fall behind in making payments on your loans, you might be worried about having creditors repossess something you own — your car, your home, your new appliances, etc.
- LICENSE SUSPENSION AND BANKRUPTCY: Having your driver’s license suspended is a major inconvenience that can cause problems with your work, personal, and financial life. If you can’t drive, you may not be able to get to work, which means you can’t earn the money to pay bills and debts.
- TITLE LOANS: If you need cash quickly, you may be considering getting a title loan, using your vehicle as security. Before you take this step, you should know what is involved and what you are risking if things go bad.
- PAYDAY LOANS/CHECK ADVANCING: Payday loans are regarded by many people as insidious practices designed to gouge people least able to protect themselves from exploitation.
- STOP LAWSUITS: There is still hope even if a creditor has sued you. Filing bankruptcy can stop most lawsuits in their tracks and discharge your liability on a judgment.
- WAGE GARNISHMENTS: If you are overwhelmed with bad debt and a judge rules you owe your creditors money, the creditors have the right to garnish your wages.