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 [...]
Bankruptcy is a legal process that is designed to help you recover financially after you go so deep in debt that you have no effective way to pay off what you owe. When used properly, it can give you a fresh financial start. Typically, people declare bankruptcy as a final measure when all other options [...]
Credit cards can be a great fallback if you’re temporarily running short on funds. Some even come with cash back or other rewards. However, if you don’t promptly pay off credit card debt, it can grow over time and rapidly become unmanageable. Are you unsure of how to start lowering your debt most effectively? Check [...]
If you’ve been struggling financially for years and have finally filed for bankruptcy, you might breathe a sigh of relief. However, if you want your credit to recover as efficiently as possible, there’s still work to be done. Here’s what to do after filing for bankruptcy to start moving toward a sounder financial future. Filing [...]
Dealing with substantial debt can often feel overwhelming or impossible. However, you have more options for addressing debt than you may realize. Two common ways to deal with major debt are debt relief and bankruptcy. Each comes with its own set of risks and benefits — and you should ensure you understand those risks and [...]
No one intends to go into significant debt. However, given the rapidly rising cost of living, millions of people are finding it difficult or impossible to chip away at their credit card debt. If you’re taking the first step toward better financial footing, you need the answer to one question — which credit card should [...]
Are you having trouble managing debt? If you have an overwhelming amount of debt and don’t see any way to achieve financial stability, it may be worth considering filing for bankruptcy. Declaring bankruptcy is a major decision, and you should consider all angles before doing so. How does bankruptcy affect your credit score? Here’s a [...]
Facing a foreclosure is a stressful and emotional experience for any homeowner. For a lot of people, understanding the impact of a foreclosure sale on bankruptcy brings up a possible solution to dealing with their debts and financial instability. But is it too late to file for bankruptcy once the sale is done? Understanding the [...]
If you’re struggling with mortgage payments and facing the possibility of foreclosure in Ohio, understanding Chapter 13 and Chapter 7 bankruptcy and foreclosure is important for making informed decisions about your financial future. Both offer options that address foreclosure, but the benefits and consequences are different, as are their processes. Chapter 7 Bankruptcy and Foreclosure [...]
Foreclosure can be a daunting process to face. Many homeowners in Ohio wonder what can be done to stop or reverse a foreclosure once it’s initiated. In some cases, filing for bankruptcy can potentially be an effective move for a property owner facing foreclosure, due to the automatic stay involved with bankruptcies. Understanding the automatic [...]
Mortgage problems can impact your life in a range of ways, and solving them can be a daunting challenge. For some in facing financial difficulty in Ohio, Chapter 13 bankruptcy may be a solid answer to financial troubles. However, before filing, understanding Chapter 13 bankruptcy is crucial to the success of the process. If you [...]
High student loan payments have become a large part of the financial burden which leads to filing for bankruptcy. Most often, student loans cannot be discharged in bankruptcy, although a knowledgeable bankruptcy lawyer can often find ways for you to obtain relief or find resources such as deferments that enable you to get caught up [...]
Chapter 7 is the most common form of bankruptcy and has certain advantages, but that doesn’t mean it is the best solution for you. Depending on your situation, Chapter 13 bankruptcy, which allows you to consolidate your payments and repay some or all of your debt affordably over a three- to five-year period, may be [...]
The quick answer is no — if you are married you may file bankruptcy individually and your spouse does not have to file. However, this doesn’t mean that this is the best road for you to take. If the court determines that filing individually was not done in good faith, it may dismiss the case; [...]
Most people struggle with finances from time to time. Sometimes, those struggles become too much to handle. When you can’t keep up with your payments and you find yourself constantly harassed by creditors, it might be time to consider filing for bankruptcy. Chapter 13 bankruptcy is a popular option. It allows you to retain ownership [...]
