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We have posted on our blog about some of the ways that creditors, and even individuals seeking to pose as creditors, have attempted to intimidate or otherwise unfairly communicate with individuals in connection with debt collections. However, there are strict laws in place that dictate what practices are allowed and prohibited in the practice of seeking to collect debt. Ohio…
For most people, contemplating bankruptcy is something that they never thought they would ever end up doing. But an axiom of life is that it is not always fair, and sometimes bad things can happen to good people. A sudden job loss, or a catastrophic illness or injury and consequent hospital bills, do not always telegraph their approach. Once your…
There were a series of television commercials a few years ago that centered on the theme, “Life comes at you fast.” And when it comes to personal finances, this can certainly be true. An unexpected serious injury or illness, or a divorce, or the unexpected loss of employment can quickly capsize one’s ability to stay within a budget or even…
Assuming that you are an individual and are contemplating bankruptcy as an option for debt relief, you may have wondered about the differences between Chapter 7 and Chapter 13 bankruptcies. There are multiple differences between them to carefully consider, assuming that you have already carefully considered bankruptcy in lieu of other options. Some, but not all of the distinctions between…