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Hiring a bankruptcy lawyer can help consumers understand their rights and options, avoid filing errors and know what to expect as the case progresses. In a typical year, thousands of Cincinnati residents will navigate the complex and life-changing process of filing for bankruptcy. Just during the first quarter of 2016, over 2,800 people in Hamilton County filed for bankruptcy, according…
Being properly educated about bankruptcy is important before deciding whether or not it can help you. Over the past few years, reports have indicated that the nation’s economy is improving. While that may be true that does not mean that every individual’s financial situation has improved. Many consumers in Cincinnati continue to struggle to make ends meet and to keep…
If your debts have been piling up without hope of repayment, you may have already heard about how Chapter 7 bankruptcy can help you. However, you may not be as familiar with Chapter 13, as it is filed less often by individuals. Although Chapter 7 may offer the relief that you are looking for, if certain things are true about…
If you fall behind on your bills, one of the tools that your creditors have to compel you to pay is wage garnishment. Wage garnishment is an order from the court directing your employer to set aside a percentage of your wages for the benefit of the creditors you owe. What are your wage garnishment rights and options? Here is…
A serious medical diagnosis, such as cancer, can leave people with extremely high out-of-pocket medical costs. A divorce can reduce household income to a barely manageable level. A job loss can immediately inhibit a person’s ability to stay up on debts previously handled well. In addition to these situations, many companies can experience changes that negatively impact their ability to…
The Attorneys General for 39 states entered into a settlement agreement with Navient (formerly known as Sallie Mae), a large national student loan servicer, “to resolve allegations of widespread unfair and deceptive student loan servicing practices and abuses in originating predatory student loans.” The settlement was released on January 13, 2022. The release can be found at www.navientagsettlement.com. The big…
Debt can be a dangerous thing to have. It can quietly grow into a massive problem over months or years or happen overnight because of a medical emergency. No matter the cause of your debt, it is important to know what you can do to combat it. The average debt for an American is more than $90,000, which means it is…
Individuals who face financial peril are no strangers to the collection efforts employed by various agencies. Creditors take significant steps to ensure repayment and often blur the lines between harassment and the regulations they must follow. A new tactic, however, is to rely on a debtor’s daily use of social media sites to bolster communications. For years, debt collectors have…
According to the United States Consumer Financial Protection Bureau (CFPB), Mr. Cooper – also known as Nationstar – may have made “unauthorized withdrawals” from your bank account for your mortgage. The CFPB release issued on April 27, 2021, states that “Unauthorized duplicate-payment drafts by Mr. Cooper appear to have resulted in hundreds of thousands of consumers’ bank accounts being debited…
If you are facing foreclosure on your home in 2021, you aren’t alone. The economic downturn of 2020 has led many homeowners to get behind on their mortgage payments. You now may be considering your options, hoping for a way to avoid foreclosure. Seeking bankruptcy is one option you should consider. Avoiding home foreclosure through bankruptcy A Chapter 7 bankruptcy…