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Debt Relief or Bankruptcy?

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 benefits before committing to one or the other. So what is the difference between debt relief and bankruptcy? Here’s a closer look.... CONTINUE READING

Debt Forgiveness for Seniors

Debt is an issue that affects American adults of all ages. However, in recent decades, there has been an alarming increase in debt and financial instability for seniors. If you are a senior citizen who is struggling under significant debt, you are not alone. You probably feel tremendous stress and uncertainty, especially if you have health problems and face mounting medical bills. Rather than continuing to fall behind financially or risk losing your home, it may be time to consider debt forgi... CONTINUE READING

Credit Card vs. Mortgage Debt: Understanding the Risks and Solutions

Getting credit is easy in the United States, so it’s tempting to use credit cards and loans to make purchases you otherwise couldn’t afford.  When you use debt wisely, it can be a positive way to build wealth.  But too many people are sucked into taking on the wrong kind of debt, the dangerous kind that starts to lead to financial problems and having their credit ruined. The skilled and seasoned Ohio bankruptcy attorneys at Fesenmyer Law Offices, LLC understand that eve... CONTINUE READING

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    Can Filing for Bankruptcy Stop a Civil Lawsuit?

    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 a...