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August 2013 Archives

Chapter 13 bankruptcy an option for Ohioans who can't file Chapter 7

Even though the economy in the rest of the nation seems to be rebounding, the recovery is slower for many residents of Cuyahoga Falls, Ohio. Some filed for Chapter 7 bankruptcy at the peak of the Great Recession and found a fresh financial start; others may not have been so fortunate. They may have been surprised new financial challenges such as unexpected medical expenses, loss of employment or, in some cases, may have fallen back into their old spending habits. Those who have already filed for Chapter 7 bankruptcy may be able to find debt relief by filing Chapter 13.

Bankruptcy provides debt relief and allows Ohioans to keep homes

Residents of Cuyahoga Falls or any other city in Ohio who are faced with overwhelming debt may want to consider filing for personal bankruptcy. Chapter 7, often referred to as liquidation bankruptcy, is often the best solution to stop creditor harassment, prevent foreclosure, eliminate debt and find a fresh financial start. What’s more, not all of your assets will be liquidated to pay creditors. Ohio law allows bankruptcy exemptions, including a homestead exemption.

Sole proprietors may want to consider Chapter 7 for businesses

In many areas of the United States, small businesses owners over-extended themselves during the Great Recession hoping that their sales would rebound along with the economy. Unfortunately, this has not been the case for many sole proprietors and small business owners in Ohio. Consumers have struggled to overcome overwhelming credit card debt and have changed their spending habits so that they don’t incur more debt. This has left many local businesses struggling with their own overwhelming debt. Those who can relate all too well to this scenario may want to consider Chapter 7 for businesses. 

When you should and should not negotiate medical debt in Ohio

In a recent post we discussed tips for making medical debt more manageable in Ohio. One strategy was to negotiate with the health care provider to see if you could work out a payment plan. A recent news article asks the question, "Is it ever too late to negotiate?" We thought our readers struggling with overwhelming medical debt would appreciate clarification on the matter.

Ohio BBB warns consumers of threats from debt collection company

Even as the economy is recovering from the Great Recession, many Americans are still struggling with debt. Chapter 7 bankruptcy is a viable option for many people to find debt relief, prevent wage garnishments and stop harassment from creditors. Some creditors have become overly aggressive, to the point that the Better Business Bureau Serving Greater Cleveland has received dozens of complaints regarding the collection tactics of LRS Litigation Services.

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