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Filing for Bankruptcy in Ohio After a Foreclosure Sale: Is It Too Late?

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 Impact of a Foreclosure Sale A foreclosure sale is the last step in the foreclosu... CONTINUE READING

Chapter 7 vs. Chapter 13 Bankruptcy in Ohio: How They Affect Foreclosure

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 What Is Chapter 7 Bankruptcy? Sometimes called fresh start bankruptcy, Chap... CONTINUE READING

The Foreclosure Timeline in Ohio: How Long Does It Take?

Working through the process of foreclosure can be both challenging and overwhelming, especially when you’re faced with the uncertainty of how long the entire process will take. For homeowners, an overview of the Ohio foreclosure timeline is helpful for making informed decisions and finding the right legal help. Ohio Foreclosure Timeline Ohio is a judicial foreclosure state, which means that all foreclosures have to go through the courts. This ensures that homeowners ha... CONTINUE READING

Understanding Your Foreclosure Notice in Ohio: Decoding the Legal Jargon

When you see a foreclosure notice in the mail, it can be a stressful experience. For many people, it feels like they’re being pushed into a maze of legal jargon and an unfamiliar language. Understanding common legal terms in foreclosure notices is the first step to effectively addressing the situation. Breaking Down the Sections of a Foreclosure Notice Notice of Default: The First Warning The Notice of Default is generally the first step of the... CONTINUE READING

How Bankruptcy Can Impact the Foreclosure Process in Ohio

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 stay and its impact on foreclosure can help you discover the right solution for your financial situation. Are you in need of solutions f... CONTINUE READING

Loan Modification vs. Foreclosure in Ohio: Is It an Option After the First Notice?

If you are facing foreclosure in Ohio, you may be surprised to learn that you have various tools and options available to you to resolve your situation. One of these tools is loan modification, which can ultimately lead to a more serviceable payment plan. However, understanding the first foreclosure notice (lis pendens) and when loan modification can be helpful is essential for any borrower before taking action. You still have options after receiving a first foreclosure notice. C... CONTINUE READING

First Foreclosure Notice in Ohio: Don’t Panic, Here’s What to Do

The first foreclosure notice is not the end of a mortgage story, by any means, in Ohio. This notice is only a step in a process that doesn’t necessarily end with someone losing their property. For Ohio homeowners, understanding the first notice (lis pendens) is crucial to exploring your options for handling the situation and keeping your property. Have you received a foreclosure notice in Ohio? You still have options. Call 614-228-4435 (Columbus), 937-222-7472 (Dayton), or 877-... CONTINUE READING

Chapter 13 Bankruptcy and Foreclosure in Ohio: A Powerful Solution

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 are exploring filing for Chapter 13, the experienced bankruptcy attorney at Fesenmyer Law Office can help. Call 614-228-4435 (Columbus), 937-222-7472 (Day... CONTINUE READING

Can You Stop Foreclosure in Ohio After Receiving the First Notice?

Receiving anything from a mortgage lender that mentions the words “foreclosure” or “legal action” can be overwhelming. As soon as they read those words, many people have trouble understanding the rest of the notice. However, receiving a first notice from your mortgage lender does not mean you will automatically lose your home. It also doesn’t mean the foreclosure itself has started. You can still save your home, but you need to act quickly. Here’s a look at what you need to know ... CONTINUE READING

Ohio Foreclosure Laws: What Homeowners Need to Know

Few things feel as stressful as losing your home to foreclosure. However, if you’re like most homeowners, you aren’t aware of the rights you may have during the process. Here’s an overview of foreclosure in Ohio and a look at some of the main laws that defend your rights. You might have more power in the foreclosure process than you think. State and federal laws outline several pathways to keeping your home and moving toward a brighter financial fut... 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...