Fortunately, there are actions you can take to stop collections and repossessions. The experienced and compassionate Cincinnati debt-relief attorneys at Fesenmyer Cousino Weinzimmer (FCW) can help if you have received threats of a lawsuit or even if a civil lawsuit is already pending against you. Our Cincinnati attorneys for stopping collections provide a free initial consultation to analyze the facts of your case and determine how we can best protect you.
Call us today at 877-654-5297 (Cincinnati) or email for your free consultation.
Why Choose FCW as Your Cincinnati Attorneys for Stopping Collections?
We Can Help Stop Collections And Repossessions
No matter your situation, you always have options — and that’s true when it comes to choosing a law firm. There are many Cincinnati attorneys for stopping collections out there. But not many possess the experience, level of compassion, and record of success demonstrated by the legal team at Fesenmyer Cousino Weinzimmer.
When it comes to debt relief and attorneys who can stop collections and lawsuits in Cincinnati, our team is second to none. Attorney Thomas Fesenmyer has many years of experience obtaining debt relief for Ohioans. We’ve helped thousands of clients break free from debt by taking the time to learn about each client, case, and everyone’s unique situation. From there, we give clients the best options to stop collections and repossessions and help implement solutions to regain financial control.
If you’re looking to stop collections, you’re also facing significant financial burdens. Knowing this, we strive to keep our legal fees low and manageable while still delivering the service, dedication, and advice needed to fully improve your situation. We offer free consultations to learn more about you and your financial situation.
What Should I Do When Sued?
Creditors who are not getting paid may file a civil lawsuit against you in a Cincinnati court. Since Ohio is a “general pleading state,” the creditor needs to provide only a general allegation of the debt to start the legal process and request a judgment for the amount owed, plus interest and fees. Then you will be served with a copy of the summons and complaint, usually by certified mail.
- The complaint will state why the creditor is suing you, the relief being sought, and which court has jurisdiction.
- The summons will list the names and addresses of the court, the parties to the lawsuit, and the date by which you must respond.
- When you receive the summons, you have just 28 days to respond with an “answer.” You must respond in writing and send your answer to both the opposing counsel and the court for filing.
- The court will then issue a schedule of events for your case, such as a Pre-Trial Status Conference and dates by which motions must be filed.
If you make a mistake and do not respond correctly or on time, the creditor may ask for a summary judgment against you. This gives the creditors what was asked for and allows them to pursue collection efforts, which include garnishing your nonexempt wages, seizing cash in your bank accounts, and putting liens on your property.
Since the consequences are so severe, it makes sense for you to have Cincinnati attorneys for stopping creditors examine your possible defenses and make sure that you have responded properly. The seasoned Cincinnati debt attorneys at Fesenmyer Cousino Weinzimmer will help you determine the proper course of action. We can also explain the option you have of filing for bankruptcy, which will stop collections and lawsuits in Cincinnati that are pending against you.
How Our Cincinnati Attorneys for Stopping Creditors Will Help You
Perhaps you’ve already tried to get out of debt and stop collections and repossessions on your own. Despite your best efforts, debts continue to mount, and you feel farther and farther from regaining financial control. This can be challenging, and creditors can be relentless. Let our Cincinnati attorneys for stopping creditors help. Our legal team can help you by:
- Learning about your situation and helping you to prepare and organize necessary legal and financial documents.
- Working to stop collections and lawsuits in Cincinnati by exploring and discussing your options.
- Helping you file for bankruptcy or take the steps needed to stop collections and repossessions.
- Filing the necessary paperwork and legal documents needed to stop creditors.
- Formulating a repayment plan to get debt relief now.
By working with our Cincinnati attorneys for stopping collections, you can take so much of the stress of debt off your shoulders. Our legal team can handle the processes and paperwork while keeping you informed and helping you make the best decisions for your financial future.
You shouldn’t have to face debt and creditors alone. Having some guidance and assistance at such a time can be truly invaluable. Contact our Cincinnati attorneys for stopping creditors to find out more about how we can help.
Bankruptcy Can Stop Lawsuits
Filing for bankruptcy is often the best tool to stop lawsuits. If you are a Cincinnati, Ohio, resident and you file for individual bankruptcy through chapter 7 or chapter 13, it starts the automatic stay provision of the U.S. Bankruptcy Code.
Our Cincinnati attorneys for stopping creditors can file a document called a Suggestion of Stay for each lawsuit with the Cincinnati Clerk of Court and notify the creditor’s attorney that a bankruptcy case has been filed. This enables lawsuits to be “stayed” or stopped during the bankruptcy proceedings, and your debt will now fall under federal bankruptcy laws.
Your creditors do not have to drop their lawsuits, but the legal process must stop until the bankruptcy is over or until they get permission from the bankruptcy court to continue the suit. If you stop collections and repossessions early, you can hold on to your assets and start taking financial control before the situation worsens.
After filing for bankruptcy, creditors must stop trying to collect the debt and stop calling you and harassing you. They cannot garnish your bank account or wages, put liens on your property, or repossess your vehicle. If they continue to try to collect from or harass you while your bankruptcy case is pending, you must notify your attorney immediately. Federal bankruptcy judges do not allow violations of the automatic stay provision and may impose sanctions upon violating creditors.
Get relief from collections and lawsuits by calling our debt attorneys in Cincinnati today.
Your stay is in effect until the bankruptcy is resolved. While there are debts that can be entirely discharged by a bankruptcy declaration, including credit card bills, medical bills, utility bills, payday loans, or personal loans, be aware that there are certain types of debts you will still have to pay. Examples of some of the nondischargeable debts include:
- Debts for personal injury or death caused by driving while intoxicated.
- Student loans, unless it would be an undue hardship for you to repay.
- Fines and penalties for violating the law, including traffic tickets and criminal restitution.
- Recent income tax debts (within three years) and most other tax debts.
- Debts you forget to list in your bankruptcy papers unless the creditor learns of your bankruptcy.
- Debts you owe under a divorce decree or settlement, including child support.
In chapter 7 bankruptcy, only debts that arose before the date of your order for relief will be discharged.
Even though not all forms of debt can be discharged, if your goal is to stop collections and repossession and regain financial control, we can help you find the best options. Filing for bankruptcy is hardly an admission of defeat; rather, it’s often a sound financial move for helping you reposition and form a solid plan to obtain debt relief.
Contact Us And Get The Help You Need to Stop Collections And Lawsuits in Cincinnati
If you are faced with a lawsuit or relentless collection efforts in Cincinnati, an attorney can make a big difference in how your case is handled and how much you end up owing. The seasoned debt-relief attorneys at Fesenmyer Cousino Weinzimmer will evaluate your entire financial situation by looking at your income, your debts, and your goals, and we will discuss the best fit for your financial situation. We will make sure you are aware of all your options and help you decide on the path to a brighter future that makes sense in your individual case.
Time is of the essence, and delaying can only worsen your situation, so call the Ohio bankruptcy attorneys at Fesenmyer Cousino Weinzimmer today! Call 877-654-5297 (Cincinnati) or email for your free consultation so we can determine what debt relief solutions will work best for you. We are confident that you’ll find our legal team effective, easy to work with, and truly caring when it comes to your situation and financial future.
