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December 2014 Archives

Nonprofit hospitals suing for medical debt

Many people in Ohio are forced to seek medical care when they are unable to afford it. Sometimes, people are uninsured while at other times, the insurance they have does not cover all of the care that is received. Some people are forced to utilize the services of a nonprofit hospital as the only source of care that they may have available. Although nonprofit hospitals do not have to pay taxes on their profits and receive numerous other breaks in exchange for their provision of care to the poor, these hospitals many times turn around and sue the people who are most in need when the people are unable to pay their medical bills.

Basic information about Chapter 13 bankruptcy

In large part, bankruptcy laws are in place to help financially troubled individuals and businesses seek debt relief when they have exhausted all other options. Chapter 13 is a bankruptcy option for self-employed individuals, wage earners and sole proprietors. People in Ohio who are drowning financially may want to consider whether they qualify for Chapter 13 bankrupcy.

Unsecured debt and home ownership in Ohio

Collection methods differ from secured debt to unsecured debt. A secured debt creditor can seize the asset that is collateral for securing the debt. An unsecured creditor does not have that option unless they take a debtor to court, which involves a debt collection lawsuit. Before the case can go to court, the creditor must have their summons and complaint served on the creditor to notify them of the court date.

Removing a mortgage lien through bankruptcy

One of the most important issues for many Ohio debtors considering bankruptcy is protecting their homes from possible foreclosure. In some cases, a person's residence may be encumbered by both a first and second mortgage. While the person may be able to afford paying the first mortgage, if they are unable to pay the second mortgage the secondary lender may be able to us a lien to initiate foreclosure proceedings.

Avoiding debt scams in Ohio

Roughly a million Americans file for bankruptcy each year, and others are struggling with high levels of debt. This has created a demand for credit repair and credit counseling services. Those who need help may find that some service providers are scams that attempt to take a person's money. However, there are a few ways that consumers may be able to protect themselves against such plots.

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