Question 1. What is Chapter 7 bankruptcy, and how does it work in Ohio? Chapter 7 bankruptcy—also called a “fresh start bankruptcy”—is a legal process that allows individuals to eliminate most unsecured debts, such as credit cards, medical bills, and personal loans. In Ohio, once you file, an automatic stay immediately stops creditor actions, including [...]
The holidays should be a time of joy, celebration, and togetherness — but for many Ohio families, they bring an extra layer of stress. Mounting bills, rising interest rates, and the high cost of living can make even basic expenses feel overwhelming. If you live in Cincinnati, Dayton, Columbus, or the surrounding areas and you’re [...]
That sinking feeling in your stomach is all too real. You opened your mail and found a "Notice of Garnishment," or worse, you just looked at your paycheck and a huge chunk of your hard-earned money is simply... gone. A wage garnishment is one of the most aggressive and humiliating collection tools a creditor can [...]
For many Ohio families, the fear of losing their home is the single most overwhelming part of considering bankruptcy. Mortgage payments that once seemed manageable can quickly become impossible after a job loss, illness, or divorce. Calls from lenders, mounting bills, and foreclosure threats can make it feel like there’s no way out. At Fesenmyer [...]
