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April 2017 Archives

How bankruptcy impacts a credit report

When Ohio consumers file for bankruptcy, it will go on their credit report. The bankruptcy may appear on a credit report after it was first filed even if the case was dismissed or a debtor chose to drop the case after filing. Those who file for Chapter 13 bankruptcy should expect to see it on their credit report for seven years after the filing date.

How to avoid spending traps after bankruptcy

While many of our posts focus on bankruptcy issues (i.e. discharging debts), we find it helpful to highlight some money saving tips that consumers can take advantage of so that they can avoid the need for bankruptcy protection. Indeed, there are a number of ways to save money that are popular (e.g. clipping coupons, taking shorter vacations), but arguably the most important way to save cash is to stop wasting money on retail items that can be purchased used.

Study finds seniors are falling deeper into credit card debt

Households in Ohio and around the country headed by individuals over the age of 50 now owe more money to credit card companies than younger households according to data compiled by a leading think tank and the AARP. Half of the older Americans surveyed by Demos and the AARP's Public Policy Institute said that they had used credit cards to pay medical bills, and one in three told the researchers that they regularly use their cards to pay for food and other basic needs.

Can I seek bankruptcy protection for my student loans?

Higher education is expensive, and you may be one of the hundreds of college students who graduated with a significant amount of student loan debt. At the time of signing your loan agreement, you may have given little thought to how you would pay it off in the future, and many people find themselves in similar situations. If you are drowning in student loan debt, even years after graduating, you may be looking for a way out.

Unemployment benefits and bankruptcy filings

When Ohio consumers file for Chapter 13 bankruptcy, they must submit a repayment plan that has to be approved by the court. The repayment plan takes between three and five years, and it is generally based on the income of the debtor. A March bankruptcy court ruling indicates that individuals who are filing for Chapter 13 may be required to count unemployment benefits as income.

The truth about bankruptcy

Many Ohio residents have a very tight budget, and it may take only a single financial emergency to send them on a path the bankruptcy. People who are considering filing for bankruptcy should be aware of the myths that surround the legal procedure.

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