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Reinstatement Fees Removed By Filing Bankruptcy in Ohio

Filing a Chapter 7 or Chapter 13 bankruptcy can help you get your driver’s license back. Ohio law considers reinstatement fees as a debt that may be dischargeable in a bankruptcy under ORC 4510.10(G). As soon as your bankruptcy petition is filed, you can take your bankruptcy petition to the Bureau of Motor Vehicles (BMV) to get your license reinstated. The Bureau of Motor Vehicles (BMV) will review the documentation and remove the fees from your record that were included in the bankruptcy petition. Bankruptcy documentation may be filed in person at any Reinstatement Center location or may be mailed to the Ohio Bureau of Motor Vehicles, Attn: Compliance Unit, P.O. Box 16583, Columbus, Ohio 43216-6583.

Reasons Why One May Have Their Driver’s License Suspended

  • 12 Points
  • Administrative License Suspension (ALS) – Positive Test
  • Administrative License Suspension (ALS) – Test Refusal
  • Child Support Suspension
  • Court Suspensions
  • Failure to File Crash Report
  • First Offense OVI (DUI)
  • Habitual Use of Alcohol/Drugs
  • High School Suspension
  • In-State Drug Related
  • Judgments
  • Juvenile Suspension
  • License/Bond Forfeiture
  • Liquor Law (Violations)
  • Medical (Restricted or Suspension)
  • National Driver Registry (NDR) – Indefinite
  • Non-Compliance (Crash Report/Accident/Traffic Ticket)
  • Non-Resident Violator Compact
  • Out-of-State Alcohol or Drug-Related Offenses
  • Operating a Vehicle After Under Age Consumption (OVUAC)
  • Physical Control of a Vehicle While Intoxicated
  • Probationary License Suspension/OVI (DUI)
  • Probationary License Suspension/OVUAC
  • Probationary Revocations (2 Violations)
  • Probationary Revocations (3 Violations)
  • Random Selection
  • Second Offense OVI (DUI)
  • Security Suspension
  • Tobacco Violation
  • Violation of Restriction Suspension
  • Weapon on School Property

Where Do I Go to Get My Driver’s License Back After I File My Bankruptcy?

Bankruptcy documentation may be filed in person at any Reinstatement Center location or may be mailed to the Ohio Bureau of Motor Vehicles, Attn: Compliance Unit, P.O. Box 16583, Columbus, Ohio 43216-6583.  Additional contact information can be found at www.bmv.ohio.gov/.

Can I Discharge Reinstatement Fees in My Bankruptcy to Get My Driver’s License Back?

Yes, you can discharge reinstatement fees in a bankruptcy to get your driver’s license back.  Ohio law considers reinstatement fees as a debt that may be dischargeable in a bankruptcy under ORC 4510.10(G).

An Experienced Columbus Ohio Bankruptcy Attorney Can Help!

An experienced Columbus Ohio Bankruptcy Attorney will be able to help you get your driver’s license back from suspension. Legal counsel will ensure that your rights are protected and that someone is looking out for your best interest. The friendly Law Office of M. Sean Cydrus can help you craft a plan to rebuild your financial future. We understand the stress of financial worry. We use a personal approach to solving your financial challenges and are here to help you through this difficult time. We pride ourselves on the ability to provide our legal expertise with compassion and understanding. We can meet with you at our conveniently located offices in Columbus and Chillicothe. Call today for a free consultation. Help is one phone call away!

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General Information About Filing Bankruptcy

You should consider filing bankruptcy if any or all of the following apply to you OR if you think any or all of these may apply to you in the near future:

– You are receiving harassing telephone calls from creditors and/or collection agencies
– You have been sued and are facing a wage garnishment
– Your car has been repossessed or sold by your lender
– Your home is in foreclosure or has been foreclosed
– You have a utility disconnection notice
– You are struggling to make minimum payments to creditors

Filing Chapter 7 Bankruptcy

Filing a Chapter 7 bankruptcy is what most people envision of when they think about bankruptcy. Filing Chapter 7 bankruptcy will discharge most of your debts such as credit cards, medical bills, personal loans, utility bills, and items sent to third-party collections. You can also discharge other debts such as a foreclosed home, repossessed vehicles, and evictions. There are a few things you typically have to pay back such as student loans, back taxes, and domestic support. Filing bankruptcy would be crucial if your home is in foreclosure or if you have lawsuits filed against you. Once a judgment is rendered against you from a lawsuit the creditor can garnish your wages, seize funds from bank accounts, and attach liens to property. Filing bankruptcy will prevent a creditor from beginning or continuing a lawsuit against you.  Filing a bankruptcy will stop a foreclosure and will take your home off of the sheriff sale listing.  The bankruptcy will stop all creditor collection efforts against you by Federal law and will allow you to get a fresh start.

Filing Chapter 13 Bankruptcy

Filing a Chapter 13 bankruptcy is what most people envision of as a debt consolidation through the Federal government. A Chapter 13 bankruptcy may allow you to pay pennies on the dollar on your unsecured debts. Filing a Chapter 13 bankruptcy can help you if you are behind in your mortgage or vehicle payments.  Filing a Chapter 13 bankruptcy can help you preserve your assets while consolidating your debt with a payment you can afford.

What Debts Can You Discharge by Filing Bankruptcy?

There are many debts that are discharged in a bankruptcy. Filing a Chapter 7 or Chapter 13 bankruptcy will discharge most of your debts such as credit cards, medical bills, personal loans, utility bills, and items sent to third-party collections. You can also discharge other debts such as a foreclosed home, repossessed vehicles, and evictions. There are only a few things you typically have to pay back after the bankruptcy is discharged. Those items include student loans, back taxes, and domestic support.

Benefits of Filing Bankruptcy

There are many benefits to filing bankruptcy.  Filing a bankruptcy will automatically stop a wage garnishment, foreclosure, sheriff sale, vehicle repossession, and utility disconnection. You can even get your driver’s license back from suspension. Filing bankruptcy can help you protect your assets while getting a fresh start on your bills.  When filing your bankruptcy petition, you will receive an automatic stay of protection that will stop all creditors’ collection efforts against you. Filing bankruptcy will prohibit creditors from beginning or continuing a lawsuit against you.

Going to Court When Filing Bankruptcy

When filing bankruptcy, the court you appear at and the Bankruptcy District you file your bankruptcy petition in is going to depend on which county you reside at in Ohio. There are two Bankruptcy Districts in Ohio. There is the Northern District of Ohio Bankruptcy Court Division and the Southern District of Ohio Bankruptcy Court Division. The Southern District of Ohio Bankruptcy Court Division has courts in Columbus, Zanesville, Dayton, Cincinnati, and St. Clairsville. The Northern District of Ohio Bankruptcy Court Division has courts in Cleveland, Canton, Akron, Toledo, and Youngstown.

When you file bankruptcy, there is a court hearing that you must attend to. It is called the 341 Meeting of Creditors. At the 341 Meeting of Creditors, you will be required to swear or affirm that the information that you have provided in your bankruptcy petition is correct and true. The U.S. Bankruptcy Trustee will ask you questions about your bankruptcy petition. Your bankruptcy attorney will ensure that all legal issues are addressed ahead of time and that you won’t have any surprises at court. You must bring your driver’s license and social security card to get into the court building.

Experienced Bankruptcy Attorney Can Help!

An experienced Bankruptcy Attorney will be able to assist you with crafting a plan to tailor a bankruptcy around the unique needs and rhythms of your family. A legal professional can determine your eligibility for filing bankruptcy and can help you explore other avenues if bankruptcy is not the best option for you. Legal counsel will ensure that your rights are protected and that someone is looking out for your best interest. The friendly Law Office of M. Sean Cydrus can help you craft a plan to rebuild your financial future. We understand the stress of financial worry. We use a personal approach to solving your financial challenges and are here to help you through this difficult time. We pride ourselves on the ability to provide our legal expertise with compassion and understanding. We can meet with you at our conveniently located offices in Columbus and Chillicothe. Call today for a free consultation. Help is one phone call away!

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How Bankruptcy Can Help With Financial Problems

Can Filing Bankruptcy Stop a Foreclosure?

Filing a Chapter 7 or Chapter 13 bankruptcy will stop a foreclosure and a sheriff sale by Federal law. Filing a Chapter 13 bankruptcy would be ideal if you are behind in your mortgage payments and you would like to keep your home. Filing a Chapter 13 bankruptcy will cure the arrearages and allow you to get current on your mortgage payments.  Sometimes keeping the house is not an option you would like to explore. You may be upside down in your loan or perhaps the house has many defects. Filing a Chapter 7 bankruptcy would be ideal if you don’t want to keep the house.  Filing a Chapter 7 bankruptcy will allow you to discharge the debt owed from a foreclosed home along with many of your other debts.

Can Filing Bankruptcy Stop a Wage Garnishment?

Filing a bankruptcy will automatically stop a wage garnishment and prevent additional funds from being taken out of your pay.  A wage garnishment usually happens after a judgment is rendered against you from a lawsuit that was filed. The wage garnishment is sent directly to your payroll. Your wages can be garnished up to 25% of your paycheck in Ohio. The money is taken out of your wages automatically before your paycheck is issued or funds deposited into your bank account. It is very important that once you are served legal paperwork from a lawsuit or wage garnishment that you take immediate action before your money is taken from you.

Can Filing Bankruptcy Stop Vehicle Repossession? 

Once you fall behind in your vehicle payments, it is a matter of time before your car gets repossessed. If your car is repossessed and action isn’t taken quickly, the car will be lost and you will be stuck with a bill. The difference between what you owe on the vehicle and what it is sold for is what you get stuck with. The bill you get stuck with is called a deficiency judgment. If you would like to get the car back from repossession or keep it from becoming repossessed if you are behind in your vehicle payments, filing a Chapter 13 bankruptcy may be the best option for you. Filing a Chapter 13 bankruptcy will cure the arrearages and allow you to get caught up on your vehicle payments.  Filing a Chapter 7 bankruptcy would be a good idea if keeping the vehicle is not an option you would like to explore. You may be upside down in your loan or perhaps the vehicle has mechanical problems.  Filing a Chapter 7 bankruptcy will discharge the debt owed from a repossessed vehicle and will also discharge most of your other debts.

Can Bankruptcy Stop a Utility Disconnection?

Filing a bankruptcy will stop a utility disconnection and will enable you to get a fresh start on your utilities.  After a utility bill gets so high, the utility company will send you a notice to shut off your utilities.  This can become a disaster creating the inability to use a refrigerator, stove, hot water, and major appliances.  In many situations, the money the utility company asks for you simply do not have.

What Debts are Discharged in a Bankruptcy?

There are many debts that are discharged by filing bankruptcy. Filing a Chapter 7 or Chapter 13 bankruptcy will discharge most of your debts such as credit cards, medical bills, personal loans, utility bills, and items sent to third-party collections. You can also discharge other debts such as a foreclosed home, repossessed vehicles, and evictions.  There are only a few things you typically have to pay back after the bankruptcy is discharged. Those items include student loans, back taxes, and domestic support.

Benefits of Filing a Chapter 7 or Chapter 13 Bankruptcy

The benefits of filing bankruptcy is that by simply filing your case you can stop a wage garnishment, foreclosure, sheriff sale, vehicle repossession, and utility disconnection. You can even get your driver’s license back from suspension. Filing bankruptcy can help you protect your assets while getting a fresh start on your bills.  When filing your bankruptcy petition, you will receive an automatic stay of protection that will stop all creditors’ collection efforts against you. Filing bankruptcy will prohibit creditors from beginning or continuing a lawsuit against you.

An Experienced Ohio Bankruptcy Attorney Can Help!

An experienced Columbus Ohio Bankruptcy Attorney will be able to assist you with crafting a plan to tailor a bankruptcy around the unique needs and rhythms of your family. A legal professional can determine your eligibility for filing bankruptcy and can help you explore other avenues if bankruptcy is not the best option for you. Legal counsel will ensure that your rights are protected and that someone is looking out for your best interest. The friendly Law Office of M. Sean Cydrus can help you craft a plan to rebuild your financial future. We understand the stress of financial worry. We use a personal approach to solving your financial challenges and are here to help you through this difficult time. We pride ourselves on the ability to provide our legal expertise with compassion and understanding. We can meet with you at our conveniently located offices in Columbus and Chillicothe. Call today for a free consultation. Help is one phone call away!

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Received Lawsuit with Summons and Complaint in Ohio

What is a Complaint?

A Complaint is the initial pleading of a plaintiff in a civil action that identifies the court’s jurisdiction, the alleged facts of the case, and relief sought.  In short, the Complaint is served when there is a lawsuit filed against you stating why you are being sued and what relief is requested.

What is a Summons?

The Summons is a document that comes from the court along with a copy of the Complaint. The Summons lists the names and addresses of the court and the parties, and it includes the date that the defendant must respond to the Complaint or be in default.

What is an Answer?

An Answer is the defendant’s response to the Summons and Complaint.  If you receive a Summons and Complaint, you must file an Answer within 28 days after you receive the Summons and Complaint.

What is a Default Judgment?

A Default Judgment occurs when you do not file an Answer with the court in the required amount of time after you receive the Summons and Complaint.  Not responding to the Summons and Complaint will give the plaintiff exactly what they asked for.

What is a Wage Garnishment?

If there is a judgment rendered against you that you are unable to pay, the plaintiff can try to collect on the debt by garnishing your wages.  The wage garnishment is sent to your employer and comes directly out of your payroll. This means the money is already taken out of your pay before your pay check is issued or direct deposited into your bank account. If a judgment is rendered against you from a lawsuit the creditor can garnish wages, seize funds out of bank accounts, and attach liens to property.

How Much Money Can They Garnish Out of My Paycheck?

In Ohio, your wages can be garnished up to 25%

Will Filing Bankruptcy Stop the Wage Garnishment?

Yes, filing bankruptcy will stop the wage garnishment.  As soon as you file your bankruptcy petition, an “automatic stay” will be set in place.  The “automatic stay” will stop the creditors’ collection efforts against you.  Filing a bankruptcy will automatically stop a wage garnishment, foreclosure, sheriff sale, vehicle repossession, and utility disconnection by Federal law.

An experienced Columbus Ohio Bankruptcy Attorney will be able to assist you with crafting a plan to tailor a bankruptcy around the unique needs and rhythms of your family. A legal professional can determine your eligibility for filing bankruptcy and can help you explore other avenues if bankruptcy is not the best option for you. Legal counsel will ensure that your rights are protected and that someone is looking out for your best interest. The friendly Law Office of M. Sean Cydrus can help you craft a plan to rebuild your financial future. We understand the stress of financial worry. We use a personal approach to solving your financial challenges and are here to help you through this difficult time. We pride ourselves on the ability to provide our legal expertise with compassion and understanding. We can meet with you at our conveniently located offices in Columbus and Chillicothe. Call today for a free consultation. Help is one phone call away!

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What is the Difference Between Filing Chapter 7 & Chapter 13 Bankruptcy

What is Chapter 7?

If you are claiming bankruptcy in Columbus, Chapter 7 and Chapter 13 are your two options. Chapter 7 is the method for eliminating the majority of your unsecured debt.  Filing a Chapter 7 bankruptcy is what most people envision of when they think about bankruptcy. Filing Chapter 7 bankruptcy will discharge most of your debts such as credit cards, medical bills, personal loans, utility bills, and items sent to third-party collections. You can also discharge other debts such as a foreclosed home, repossessed vehicles, and evictions.

What is Chapter 13?

There are many options for Columbus debt relief, including Chapter 13 bankruptcy. Sometimes called “reorganization,” Chapter 13 is the more complex of your two types of bankruptcy. Filing Chapter 13 bankruptcy is what most people envision of as a debt consolidation through the Federal government. The benefits of filing a Chapter 13 bankruptcy are that you may keep a house if you are behind in your mortgage payments, get a car back from repossession, and could pay pennies on the dollar on your other bills with a payment you can afford each month with the amount of income you are making.

How do I know if Chapter 7 is right for me?

If you are looking at bankruptcy in Columbus, consider this type of filing if any of the following are true:

  • You typically live paycheck to paycheck.
  • You don’t maintain significant assets (home, car, investments, etc.)
  • Most or all of your earnings go to pay for day-to-day necessities.

One of our Ohio bankruptcy attorneys can look at your individual situation and advise you on whether this is your best choice.

How do I know if Chapter 13 is right for me?

This form of Columbus debt relief is most appropriate for individuals:

  • Who earn more than the IRS Standards for Chapter 7.
  • Who are behind in payments on a house or car and want to keep these items.
  • Who have assets above and beyond those allowable in Chapter 7.
  • Have filed Chapter 7 within the last eight years.

Your attorney can help you evaluate if Chapter 13 is the best fit for you for Columbus debt relief.

How do I qualify for Chapter 7?

Most middle- or lower-class individuals qualify for Chapter 7 bankruptcy. Your attorney can help you evaluate your eligibility for bankruptcy in Columbus and advise you on the process and likely outcomes. Contact your expert bankruptcy attorney today for a free consultation to get answers to your questions on how to file bankruptcy in Columbus.

How do I qualify for Chapter 13?

Your petition for Columbus debt relief must demonstrate that you meet a number of criteria, including that you receive regular income that covers your living expenses, that your secured and unsecured debt do not exceed established caps, and that you’ve met all requirements for credit counseling and education necessary to qualify for bankruptcy. Your Ohio bankruptcy attorney will look at your personal situation and establish whether Chapter 13 is your best option and what you can expect from the process.

Contact your expert bankruptcy attorney today for a free consultation to get answers to your questions on how to start the process of Columbus debt relief.

What help can filing provide immediately?

As soon as you file your petition for bankruptcy in Columbus, you are protected under the “automatic stay.” This protection immediately stops your creditors from trying to collect what you owe them. During this time, creditors cannot legally garnish your wages, empty your bank account, repossess your car, or cut off your utility services. Many people find the automatic stay of immense benefit in helping them stabilize their financial situation.

What happens after I file my Chapter 7 bankruptcy petition?

Petitions for Chapter 7 bankruptcy in Columbus are typically processed fairly quickly on the way to eliminating your unsecured debt. Until your bankruptcy case is complete, your finances are placed in the hands of the bankruptcy court through a court-appointed person called a “trustee.” The court assumes legal control of the property that you own (except exempt property, which is yours to keep) as well as the debts you owe as of the date you file. None of your property can be sold and no debts can be paid without the court’s consent. However, you retain some control over income and property that you acquire after you file your petition.

The trustee’s role is to evaluate the property you own and what property you claim as exempt. At a short hearing called the “creditor’s meeting,” the trustee examines your petition and asks you questions to clarify the information that you present. Your Columbus bankruptcy attorney will accompany you to this meeting, which will not likely last more than a few minutes. Creditors may attend this meeting, but rarely do.

After this meeting, the trustee collects the property that can be taken from you (the property that you cannot claim as exempt) to be sold to pay your creditors. However, very few people actually lose property after bankruptcy in Columbus. If you do have non-exempt property, you have the option to surrender it to the trustee, to pay the trustee its fair market value, or even swap some exempt property of equal value for nonexempt property if the trustee agrees. Sometimes, the property in question isn’t worth very much or would be hard to sell, and the trustee will “abandon” the property, which means that you get to keep it.

At the end of the process, most of your debts are discharged by the court. You no longer legally owe your creditors.

What happens after I file my Chapter 13 bankruptcy petition?

Processing a petition for Chapter 13 Columbus debt relief takes longer than Chapter 7 and is more complex. When your petition is approved, you will be responsible for paying some or all of what you owe your creditors over a 3 to 5 year time period.

How much you are required to pay is based on several factors. Your attorney can review with you what you can expect through the Columbus debt relief process and what your likely outcome is. Some clients are on a 1% payment plan, which requires them to pay one cent for every dollar that they currently owe. Others pay a higher percentage of their outstanding debt. One of the benefits of partnering with an experienced attorney is that we can help you secure the lowest percentage plan possible, potentially saving you thousands of dollars in repayments.

What if I’ve filed before? What if I ever need to file again?

After filing for Chapter 7 bankruptcy in Columbus, you cannot file again for eight years after the date of your filing. After that, your eligibility resets and you can once again take advantage of the legal protections if you meet the other eligibility criteria. However, you may still be eligible for Chapter 13. Your attorney can advise you of your rights.

If you need to pursue Columbus debt relief again, you may be eligible for Chapter 13 bankruptcy if it’s been more than four years since you filed for Chapter 7, or more than two years since you’ve filed for a previous Chapter 13. Your attorney can help you determine whether you’re eligible to file currently based on this and other factors.

An experienced Columbus Ohio Bankruptcy Attorney can determine your eligibility for filing bankruptcy and can help you explore other avenues if bankruptcy is not the best option for you. Legal counsel will ensure that your rights are protected and that someone is looking out for your best interest. The friendly Law Office of M. Sean Cydrus can help you craft a plan to rebuild your financial future. We understand the stress of financial worry. We use a personal approach to solving your financial challenges and are here to help you through this difficult time. We pride ourselves on the ability to provide our legal expertise with compassion and understanding. We can meet with you at our conveniently located offices in Columbus and Chillicothe. Call today for a free consultation. Help is one phone call away!

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Bankruptcy Will Stop Foreclosure and Sheriff Sale

If you have received a notice that your mortgage lender is initiating foreclosure proceedings, you will likely do anything to put the brakes on that process. Avoiding foreclosure is a major reason that people come to us to talk about filing bankruptcy. They are looking for a solution to save their house. Based on your situation, bankruptcy may help you avoid foreclosure. In order to get the best outcome, it is important to understand what protections are available against foreclosure.

How Do I Stop the Sheriff Sale on My Home?

If your home is scheduled for sheriff sale, it is important to take action immediately.  If nothing is done before the sheriff sale date, your home will be lost and chances are you will be stuck with a bill that you will never be able to pay off.  The bill you could get stuck with is called a mortgage deficiency judgment.  Chances are you have probably tried to work with the mortgage company, but they were unwilling to work with you.  Calls to banks often go unreturned and loan modifications are often denied.  Filing bankruptcy may be the best option for you.  Filing bankruptcy will stop the foreclosure and will take your home off of the sheriff sale listing.

How Can Chapter 7 Bankruptcy Help With Foreclosure?

Chapter 7 bankruptcy typically offers a full discharge of your outstanding debts without need for repayment. When you file for Chapter 7, you fall under the “automatic stay” provision, which mandates that all creditors stop collection actions until your case is discharged (complete). This automatic stay can delay a foreclosure, but may not allow you to completely avoid it. Filing Chapter 7 bankruptcy would be a good idea if keeping the house is not an option you would like to explore.  You may owe more than what your house is worth or perhaps the home has problems that you cannot afford to fix.  Filing Chapter 7 bankruptcy would also be a good idea if you are current in your mortgage payments and you would like to discharge other debts such as credit cards, personal loans, medical bills, and items sent to third-party collections.

How Can Chapter 13 Bankruptcy Help With Foreclosure?

The other kind of bankruptcy is Chapter 13, which requires repayment of some portion of your outstanding debt. Chapter 13 can be a good choice for avoiding foreclosure. The process for Chapter 13 requires establishment of a payment plan with your creditors. In other words, you’re working with your creditors to find a more workable solution. Filing a Chapter 13 bankruptcy would be ideal if you are behind in your mortgage payments and you would like to keep your home.  Filing a Chapter 13 bankruptcy will cure the arrearages and can help you get current on your mortgage payments.  Filing a Chapter 13 bankruptcy will stop the foreclosure and will take your home off of the sheriff sale listing.

Filing Chapter 13 may also allow you to pay pennies on the dollar on your other debts such as credit cards, medical bills, personal loans, and items sent to third-party collections.  Chapter 13 is what most people envision of as a debt consolidation through the Federal government.

Experienced Bankruptcy Attorney Can Help You Avoid Foreclosure!

If you’re facing foreclosure, there’s no time to lose. An in-depth discussion with an attorney will allow you to make educated decisions about bankruptcy as a tactic to postpone or avoid losing your home. An experienced Columbus Ohio Bankruptcy Attorney will be able to assist you with crafting a plan to tailor a bankruptcy around the unique needs and rhythms of your family. A legal professional can determine your eligibility for filing bankruptcy and can help you explore other avenues if bankruptcy is not the best option for you. Legal counsel will ensure that your rights are protected and that someone is looking out for your best interest. The friendly Law Office of M. Sean Cydrus can help you craft a plan to rebuild your financial future. We understand the stress of financial worry. We use a personal approach to solving your financial challenges and are here to help you through this difficult time. We pride ourselves on the ability to provide our legal expertise with compassion and understanding. We can meet with you at our conveniently located offices in Columbus and Chillicothe. Call today for a free consultation. Help is one phone call away!

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Experienced Columbus Ohio Bankruptcy Attorney Can Help

It is very important that when you are faced with a wage garnishment, foreclosure, or vehicle repossession that you take action immediately.  There is a window of time that you have to resolve the matter in which you have to respond.  Speaking with an attorney for a free consultation would be a great way to see how to resolve the situation and to find out what legal action needs to be taken.

Filing a bankruptcy may be the best option for you if you are struggling to make minimum payments or simply don’t have enough money to get caught up on your payments.  Filing a bankruptcy will automatically stop a wage garnishment, foreclosure, sheriff sale, vehicle repossession, and utility disconnection by Federal law.  Filing a Chapter 7 or Chapter 13 personal bankruptcy will discharge most of your debts such as credit cards, medical bills, personal loans, utility bills, and items sent to third-party collections.  There are only a few things you typically have to pay back after the bankruptcy is discharged. Those items include student loans, back taxes, and domestic support.

An experienced Columbus Ohio Bankruptcy Attorney will be able to assist you with crafting a plan to tailor a bankruptcy around the unique needs and rhythms of your family. A legal professional can determine your eligibility for filing bankruptcy and can help you explore other avenues if bankruptcy is not the best option for you. Legal counsel will ensure that your rights are protected and that someone is looking out for your best interest. The friendly Law Office of M. Sean Cydrus can help you craft a plan to rebuild your financial future. We understand the stress of financial worry. We use a personal approach to solving your financial challenges and are here to help you through this difficult time. We pride ourselves on the ability to provide our legal expertise with compassion and understanding. We can meet with you at our conveniently located offices in Columbus and Chillicothe. Call today for a free consultation. Help is one phone call away!

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Filing Bankruptcy Will Stop Lawsuit in Ohio

When filing your bankruptcy petition, you will receive an automatic stay of protection that will stop all creditor collection efforts against you. Filing bankruptcy will prohibit creditors from beginning or continuing a lawsuit against you.  In Ohio, your wages can become garnished up to 25% of each paycheck. The wage garnishment is sent to your employer and comes directly out of your payroll. This means the money is already taken out of your pay before your pay check is issued or direct deposited into your bank account. If a judgment is rendered against you from a lawsuit the creditor can garnish wages, seize funds out of bank accounts, and attach liens to property. It is very important that once you are served paperwork from a lawsuit that you take immediate action before your money is taken from you.

Filing bankruptcy will stop a wage garnishment, foreclosure, sheriff sale, vehicle repossession, and utility disconnection by Federal law. You can even get your driver’s license back from suspension.  There are many debts that are discharged by filing bankruptcy. Filing a Chapter 7 or Chapter 13 bankruptcy will discharge most of your debts such as credit cards, medical bills, personal loans, utility bills, and items sent to third-party collections. You can also discharge other debts such as a foreclosed home, repossessed vehicles, and evictions. There are only a few things you typically have to pay back after the bankruptcy is discharged. Those items include student loans, back taxes, and domestic support. Filing bankruptcy can help you protect your assets while getting a fresh start on your bills.

An experienced Columbus Ohio Bankruptcy Attorney will be able to assist you with crafting a plan to tailor a bankruptcy around the unique needs and rhythms of your family. A legal professional can determine your eligibility for filing bankruptcy and can help you explore other avenues if bankruptcy is not the best option for you. Legal counsel will ensure that your rights are protected and that someone is looking out for your best interest. The friendly Law Office of M. Sean Cydrus can help you craft a plan to rebuild your financial future. We understand the stress of financial worry. We use a personal approach to solving your financial challenges and are here to help you through this difficult time. We pride ourselves on the ability to provide our legal expertise with compassion and understanding. We can meet with you at our conveniently located offices in Columbus and Chillicothe. Call today for a free consultation. Help is one phone call away!

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Filing a Chapter 13 Bankruptcy in Chillicothe Ohio

Filing Chapter 13 bankruptcy is what most people envision of as a debt consolidation through the Federal government. A Chapter 13 bankruptcy may allow you to pay pennies on the dollar on your unsecured debt with a payment you can afford. Filing Chapter 13 bankruptcy will stop a wage garnishment, foreclosure, sheriff sale, vehicle repossession, and utility disconnection by Federal law. You can even get your driver’s license back from suspension. Filing a Chapter 13 bankruptcy will discharge most of your debts such as credit cards, medical bills, personal loans, utility bills, and items sent to third-party collections.

An experienced Columbus Ohio Bankruptcy Attorney will be able to assist you with crafting a plan to tailor a bankruptcy around the unique needs and rhythms of your family. A legal professional can determine your eligibility for filing bankruptcy and can help you explore other avenues if bankruptcy is not the best option for you. Legal counsel will ensure that your rights are protected and that someone is looking out for your best interest. The friendly Law Office of M. Sean Cydrus can help you craft a plan to rebuild your financial future. We understand the stress of financial worry. We use a personal approach to solving your financial challenges and are here to help you through this difficult time. We pride ourselves on the ability to provide our legal expertise with compassion and understanding. We can meet with you at our conveniently located offices in Columbus and Chillicothe. Call today for a free consultation. Help is one phone call away!

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Deciding to File Chapter 7 Bankruptcy in Columbus Ohio

You may be one of many Americans living in Ohio who have made the decision to file bankruptcy.  Sometimes things are out of your control.  No one can help or foresee losing a job, going through medical problems, or paying for unexpected expenses.  It is important to understand that there are others out there in your same situation if not worse.  Bankruptcy is an option available under the Federal government that will stop a wage garnishment, foreclosure, sheriff sale, vehicle repossession, and utility disconnection.  You can even get your driver’s license back from suspension.

An experienced Columbus Ohio Bankruptcy Attorney will be able to assist you with crafting a plan to tailor a bankruptcy around the unique needs and rhythms of your family. A legal professional can determine your eligibility for filing bankruptcy and can help you explore other avenues if bankruptcy is not the best option for you. Legal counsel will ensure that your rights are protected and that someone is looking out for your best interest. The friendly Law Office of M. Sean Cydrus can help you craft a plan to rebuild your financial future. We understand the stress of financial worry. We use a personal approach to solving your financial challenges and are here to help you through this difficult time. We pride ourselves on the ability to provide our legal expertise with compassion and understanding. We can meet with you at our conveniently located offices in Columbus and Chillicothe. Call today for a free consultation. Help is one phone call away!

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Statistics Showing Top Causes For Filing Bankruptcy

National bankruptcy statistics show that each year, more than one million Americans file for protection under Federal Bankruptcy Laws. Statistics indicate:

  • the average age is 38
  • 44 percent are couples filing jointly
  • 30 percent are women filing alone; 26 percent are men filing alone
  • most are slightly better educated than the general population
  • Two out of three have lost a job
  • Half have experienced a serious health problem
  • The vast majority (91 percent ) have suffered a job loss, medical event or divorce
  • 90 percent have two car payments, a house payment, and an average of $2500 in credit card debt
  • 10 percent were delinquent only five to 29 days before bankruptcy

(Source: The Fragile Middle Class: Americans in Debt, Sullivan, Warren, Westbrook.)

In addition, filing for bankruptcy is typically not a newsworthy event (unless you happen to be a celebrity or other prominent figure). In most cases, the only people who will know that you have filed will be your creditors.

Bankruptcy shouldn’t be entered into lightly. But, at the same time, be sure you’re not misguided by rumors or half-truths. Educate yourself on the facts, so you can accurately assess your financial affairs and chart a course that best meets your needs. To get answers to your questions or if you think it’s time to consider bankruptcy, call 614-934-1544 or contact us today to schedule a free consultation.

An experienced Columbus Ohio Bankruptcy Attorney will be able to assist you with crafting a plan to tailor a bankruptcy around the unique needs and rhythms of your family. A legal professional can determine your eligibility for filing bankruptcy and can help you explore other avenues if bankruptcy is not the best option for you. Legal counsel will ensure that your rights are protected and that someone is looking out for your best interest. The friendly Law Office of M. Sean Cydrus can help you craft a plan to rebuild your financial future. We understand the stress of financial worry. We use a personal approach to solving your financial challenges and are here to help you through this difficult time. We pride ourselves on the ability to provide our legal expertise with compassion and understanding. We can meet with you at our conveniently located offices in Columbus and Chillicothe. Call today for a free consultation. Help is one phone call away!

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Debts that are Discharged by Filing Bankruptcy in Ohio

There are many debts that are discharged by filing bankruptcy.  Filing a Chapter 7 or Chapter 13 bankruptcy will discharge most of your debts such as credit cards, medical bills, personal loans, utility bills, and items sent to third-party collections. You can also discharge other debts such as a foreclosed home, repossessed vehicles, and evictions. One benefit of filing bankruptcy is that by simply filing your case you can stop a wage garnishment, foreclosure, sheriff sale, vehicle repossession, and utility disconnection. You can even get your driver’s license back from suspension.  Filing bankruptcy can help you protect your assets while getting a fresh start on your bills.

When filing your bankruptcy petition, you will receive an automatic stay of protection that will stop all creditors’ collection efforts against you.  Filing bankruptcy will prohibit creditors from beginning or continuing a lawsuit against you.  There are only a few things you typically have to pay back after the bankruptcy is discharged.  Those items include student loans, back taxes, and domestic support.  Filing bankruptcy will give you protection under the Federal government unlike the debt consolidation companies you hear about on television.

An experienced Columbus Ohio Bankruptcy Attorney will be able to assist you with crafting a plan to tailor a bankruptcy around the unique needs and rhythms of your family. A legal professional can determine your eligibility for filing bankruptcy and can help you explore other avenues if bankruptcy is not the best option for you. Legal counsel will ensure that your rights are protected and that someone is looking out for your best interest. The friendly Law Office of M. Sean Cydrus can help you craft a plan to rebuild your financial future. We understand the stress of financial worry. We use a personal approach to solving your financial challenges and are here to help you through this difficult time. We pride ourselves on the ability to provide our legal expertise with compassion and understanding. We can meet with you at our conveniently located offices in Columbus and Chillicothe. Call today for a free consultation. Help is one phone call away!

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List of Documents Needed to File Your Bankruptcy in Ohio

Filing bankruptcy doesn’t have to be difficult. It can be rather easy working with a legal professional. In order to file bankruptcy, there are certain documents that are required by the Federal government.  An experienced Columbus Ohio Bankruptcy Attorney can help you get the proper documentation needed to file your bankruptcy petition.

The following is a list of documents needed to file your bankruptcy petition:

  • Social Security Card & Driver’s License
  • Seven months’ worth of pay stubs from each job you worked in the last seven months from the date of your filing appointment, including your spouse’s pay stubs, even if your spouse is not filing bankruptcy. If you are self-employed, you will need to create a Profit & Loss for the last 12 (Twelve) Months.
  • Statements from other sources of income, such as:  social security, child support, and pension payments, over the last seven months from the date of filing.
  • Titles/memorandum of titles, leases for all cars, boats, motorcycles and mobile homes. Also proof of insurance for all vehicles, and copies of contracts on vehicles you still owe money on.
  • Federal and State Tax Returns and W-2s for the last two years.
  • Recorded Deeds & Mortgages for each piece of real estate that is in your name or has been in your name during the last five years.
  • Recent mortgage statement and copy of homeowner’s insurance policy.
  • Life insurance policies other than policies through your employer. This should include evidence of cash surrender value.
  • Documentation concerning IRS, 401k, all retirement plans, mutual funds, stocks, CDs, and all other investment accounts.
  • Copies of any recent lawsuits, garnishments or repossession information. If you are currently being garnished we will need your payroll fax number.
  • Certificate of completion from an approved Credit Counseling agency.

If filing a Chapter 13 bankruptcy and you still owe money on a vehicle, you will need a copy of the loan or lease agreement you signed when purchasing the vehicle.

An experienced Columbus Ohio Bankruptcy Attorney will be able to assist you with crafting a plan to tailor a bankruptcy around the unique needs and rhythms of your family. A legal professional can determine your eligibility for filing bankruptcy and can help you explore other avenues if bankruptcy is not the best option for you. Legal counsel will ensure that your rights are protected and that someone is looking out for your best interest. The friendly Law Office of M. Sean Cydrus can help you craft a plan to rebuild your financial future. We understand the stress of financial worry. We use a personal approach to solving your financial challenges and are here to help you through this difficult time. We pride ourselves on the ability to provide our legal expertise with compassion and understanding. We can meet with you at our conveniently located offices in Columbus and Chillicothe. Call today for a free consultation. Help is one phone call away!

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Notice of Complaint for Foreclosure in Columbus Ohio

Receiving a notice of Complaint for Foreclosure can make you sick to your stomach. Calls to banks often go unreturned and loan modifications are often denied. If action isn’t taken quickly, your home could be lost at sheriff sale.  Chances are you have probably tried to work with the mortgage company, but they were unwilling to work with you. Filing bankruptcy will stop the foreclosure and will take your home off of the sheriff sale listing. Filing bankruptcy will give you protection under the Federal government and an “automatic stay” of protection will be set in place.

When filing your bankruptcy petition, you will receive an automatic stay of protection that will stop all creditors’ collection efforts against you.  Filing bankruptcy will automatically stop a foreclosure, sheriff sale, vehicle repossession, and utility disconnection.  You can even get your driver’s license back from suspension.  Filing bankruptcy will prohibit creditors from beginning or continuing a lawsuit against you. Filing a Chapter 7 or Chapter 13 bankruptcy will also discharge most of your debts such as credit cards, medical bills, personal loans, utility bills, and items sent to third-party collections. You can also discharge other debts such as a foreclosed home, repossessed vehicles, and evictions. Filing bankruptcy can help you protect your assets while getting a fresh start on your bills.

An experienced Columbus Ohio Bankruptcy Attorney will be able to assist you with crafting a plan to tailor a bankruptcy around the unique needs and rhythms of your family. A legal professional can determine your eligibility for filing bankruptcy and can help you explore other avenues if bankruptcy is not the best option for you. Legal counsel will ensure that your rights are protected and that someone is looking out for your best interest. The friendly Law Office of M. Sean Cydrus can help you craft a plan to rebuild your financial future. We understand the stress of financial worry. We use a personal approach to solving your financial challenges and are here to help you through this difficult time. We pride ourselves on the ability to provide our legal expertise with compassion and understanding. We can meet with you at our conveniently located offices in Columbus and Chillicothe. Call today for a free consultation. Help is one phone call away!

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Notice of Court Proceeding to Collect Debt in Ohio

Receiving a letter in the mail stating that you have 15 days to avoid garnishment can be devastating.  It is hard enough to get by in this economy.  Getting your wages garnished 25% can make it next to impossible to pay your bills let alone trying to find extra money for food & gas.  They want you to either pay the debt owed or give them the information they need to finalize the wage garnishment. Many Americans living in Ohio are filing bankruptcy to stop the wage garnishment to avoid their money from being taken from them.  Filing bankruptcy will give you protection under the Federal government and an “automatic stay” will be set in place as soon as the bankruptcy is filed.

The automatic stay will automatically stop a wage garnishment, foreclosure, sheriff sale, vehicle repossession, and utility disconnection.  The automatic stay prohibits creditors from beginning or continuing a lawsuit against you.  The automatic stay also prohibits credit collection phone calls.  The automatic stay remains in effect until the bankruptcy is discharged unless a judge lifts the stay at the request of a creditor.

An experienced Columbus Ohio Bankruptcy Attorney will be able to assist you with crafting a plan to tailor a bankruptcy around the unique needs and rhythms of your family. A legal professional can determine your eligibility for filing bankruptcy and can help you explore other avenues if bankruptcy is not the best option for you. Legal counsel will ensure that your rights are protected and that someone is looking out for your best interest. The friendly Law Office of M. Sean Cydrus can help you craft a plan to rebuild your financial future. We understand the stress of financial worry. We use a personal approach to solving your financial challenges and are here to help you through this difficult time. We pride ourselves on the ability to provide our legal expertise with compassion and understanding. We can meet with you at our conveniently located offices in Columbus and Chillicothe. Call today for a free consultation. Help is one phone call away!

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My Home is Scheduled For Sheriff Sale in Ohio

If your home is scheduled for sheriff sale, it is important to take action immediately.  If nothing is done before the sheriff sale date, your home will be lost and chances are you will be stuck with a bill that you will never be able to pay off.  The bill you will get stuck with is called a mortgage deficiency judgment.  Chances are you have probably tried to work with the mortgage company, but they were unwilling to work with you.  Calls to banks often go unreturned and loan modifications are often denied.  Filing bankruptcy may be the best option for you.  Filing bankruptcy will stop the foreclosure and take your home off of the sheriff sale listing.

Filing a Chapter 13 bankruptcy would be ideal if you are behind in your mortgage payments and you would like to keep your home.  Filing a Chapter 13 bankruptcy will cure the arrearages and will stop the foreclosure. Filing a Chapter 13 bankruptcy will allow you to get current on your payments. Sometimes keeping the house is not an option you would like to explore.  You may be upside down in your loan or perhaps the house has many defects.  Filing a Chapter 7 bankruptcy would be ideal if you don’t want to keep the house.  Filing a Chapter 7 or Chapter 13 bankruptcy will discharge most of your debts such as credit cards, medical bills, personal loans, utility bills, and items sent to third-party collections. You can also discharge other debts such as a foreclosed home, repossessed vehicles, and evictions. Filing bankruptcy can help you protect your assets while getting a fresh start on your bills.

An experienced Columbus Ohio Bankruptcy Attorney will be able to assist you with crafting a plan to tailor a bankruptcy around the unique needs and rhythms of your family. A legal professional can determine your eligibility for filing bankruptcy and can help you explore other avenues if bankruptcy is not the best option for you. Legal counsel will ensure that your rights are protected and that someone is looking out for your best interest. The friendly Law Office of M. Sean Cydrus can help you craft a plan to rebuild your financial future. We understand the stress of financial worry. We use a personal approach to solving your financial challenges and are here to help you through this difficult time. We pride ourselves on the ability to provide our legal expertise with compassion and understanding. We can meet with you at our conveniently located offices in Columbus and Chillicothe. Call today for a free consultation. Help is one phone call away!

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Bankruptcy Will Stop Wage Garnishment and Foreclosure in Ohio

Filing bankruptcy has benefits that you may not be aware of.  Filing bankruptcy will automatically stop a wage garnishment, foreclosure, sheriff sale, vehicle repossession, and utility disconnection. You can even get your driver’s license back from suspension. Filing a Chapter 7 or Chapter 13 bankruptcy will discharge most of your debts such as credit cards, medical bills, personal loans, utility bills, and items sent to third-party collections. You can also discharge other debts such as a foreclosed home, repossessed vehicles, and evictions. Filing bankruptcy can help you protect your assets while getting a fresh start on your bills.

Many times calls to banks go unturned and creditors are unwilling to work with you.  Filing bankruptcy will give you protection under the Federal government unlike the debt consolidation companies you here about on television.  Speaking with a legal professional would be a good idea to see what all legal avenues are available to you to better your financial situation.

An experienced Columbus Ohio Bankruptcy Attorney will be able to assist you with crafting a plan to tailor a bankruptcy around the unique needs and rhythms of your family.  A legal professional can determine your eligibility for filing bankruptcy and can help you explore other avenues if bankruptcy is not the best option for you. Legal counsel will ensure that your rights are protected and that someone is looking out for your best interest. The friendly Law Office of M. Sean Cydrus can help you craft a plan to rebuild your financial future. We understand the stress of financial worry. We use a personal approach to solving your financial challenges and are here to help you through this difficult time. We pride ourselves on the ability to provide our legal expertise with compassion and understanding. We can meet with you at our conveniently located offices in Columbus and Chillicothe. Call today for a free consultation. Help is one phone call away!

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How Does Filing Bankruptcy Affect a Joint Account Holder in Ohio?

Many married and engaged couples have credit cards that are joint accounts.  It is important to understand that if there is a joint account that each person listed on the account is responsible for the debt.  That means that if the account is defaulted on or if one of the parties files bankruptcy, the other will be responsible to pay the debt.  If you are married and much of your debts are joint accounts, it may be in your best interest to file a joint bankruptcy petition.  A joint bankruptcy petition will discharge both spouses’ debts.  When filing bankruptcy when you are married, you have an option to file an individual or joint bankruptcy petition.

An individual bankruptcy filing means that one spouse is filing bankruptcy and leaving the other spouse out of it.  This would be best if all the debt is in one spouse’s name.  A joint bankruptcy filing means that both spouses are filing together and both spouses’ debts will be eliminated.  Filing bankruptcy will give you protection under the Federal government and would be a good idea if you cannot ever see yourself paying off your total debt.

Filing a Chapter 7 or Chapter 13 bankruptcy will discharge most of your debts such as credit cards, medical bills, personal loans, utility bills, and items sent to third-party collections. You can also discharge other debts such as a foreclosed home, repossessed vehicles, and evictions. Filing bankruptcy will automatically stop a wage garnishment, foreclosure, sheriff sale, vehicle repossession, and utility disconnection. You can even get your driver’s license back from suspension. Filing bankruptcy can help you protect your assets while getting a fresh start on your bills.

An experienced Columbus Ohio Bankruptcy Lawyer will be able to assist you with crafting a plan to tailor a bankruptcy around the unique needs and rhythms of your family.  Legal counsel will ensure that your rights are protected and that someone is looking out for your best interest. The friendly Law Office of M. Sean Cydrus can help you craft a plan to rebuild your financial future. We understand the stress of financial worry. We use a personal approach to solving your financial challenges and are here to help you through this difficult time. We pride ourselves on the ability to provide our legal expertise with compassion and understanding. We can meet with you at our conveniently located offices in Columbus and Chillicothe. Call today for a free consultation. Help is one phone call away!

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How Does Filing Bankruptcy Affect an Authorized User in Ohio?

Authorized users are typically not responsible for the debt incurred on a credit card.  Authorized users are simply authorized to use the card, but are not held accountable if the debt goes into default or if discharged in a bankruptcy. It is not unusual for a creditor to contact an authorized user when the owner of the account does not pay their bill in hope that the authorized user will make a payment. Filing a bankruptcy will stop all creditors’ collection efforts against you.  One added benefit of hiring an attorney to file your bankruptcy is that by simply retaining an attorney as your legal representation will help you stop the creditor phone calls.  The Fair Debt Collection Practices Act (FDCPA) gives you protection under the Federal government.

Filing a Chapter 7 or Chapter 13 bankruptcy will discharge most of your debts such as credit cards, medical bills, personal loans, utility bills, and items sent to third-party collections. You can also discharge other debts such as a foreclosed home, repossessed vehicles, and evictions. Filing bankruptcy will automatically stop a wage garnishment, foreclosure, sheriff sale, vehicle repossession, and utility disconnection. Filing bankruptcy can help you protect your assets while getting a fresh start on your bills.

An experienced Columbus Ohio Bankruptcy Lawyer will be able to assist you with crafting a plan to tailor a bankruptcy around the unique needs and rhythms of your family.  Legal counsel will ensure that your rights are protected and that someone is looking out for your best interest. The friendly Law Office of M. Sean Cydrus can help you craft a plan to rebuild your financial future. We understand the stress of financial worry. We use a personal approach to solving your financial challenges and are here to help you through this difficult time. We pride ourselves on the ability to provide our legal expertise with compassion and understanding. We can meet with you at our conveniently located offices in Columbus and Chillicothe. Call today for a free consultation. Help is one phone call away!

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My Car Was Repossessed in Ohio

Once you fall behind in your vehicle payments, it is a matter of time before your car gets repossessed.  If your car is repossessed and action isn’t taken quickly, the car will be lost and you will be stuck with a bill.  The difference between what you owe on the vehicle and what it is sold for is what you get stuck with.  The bill you get stuck with is called a deficiency judgment.  If you would like to get the car back from repossession or keep it from becoming repossessed if you are behind in your vehicle payments, filing a Chapter 13 bankruptcy may be the best option for you.  Filing a Chapter 13 bankruptcy will cure the arrearages and allow you to get caught up on your vehicle payments.

Filing a Chapter 7 bankruptcy would be a good idea if keeping the vehicle is not an option you would like to explore.  You may be upside down in your loan or perhaps the vehicle has mechanical problems.  Filing a Chapter 7 or Chapter 13 bankruptcy will discharge most of your debts such as credit cards, medical bills, personal loans, utility bills, and items sent to third-party collections. You can also discharge other debts such as a foreclosed home, repossessed vehicles, and evictions. One benefit of filing bankruptcy is that by simply filing your case you can stop a wage garnishment, foreclosure, sheriff sale, vehicle repossession, and utility disconnection. Filing bankruptcy can help you protect your assets while getting a fresh start on your bills.

An experienced Columbus Ohio Bankruptcy Attorney can determine your eligibility for filing bankruptcy and can help you explore other avenues if bankruptcy is not the best option for you. Legal counsel will ensure that your rights are protected and that someone is looking out for your best interest. The friendly Law Office of M. Sean Cydrus can help you craft a plan to rebuild your financial future. We understand the stress of financial worry. We use a personal approach to solving your financial challenges and are here to help you through this difficult time. We pride ourselves on the ability to provide our legal expertise with compassion and understanding. We can meet with you at our conveniently located offices in Columbus and Chillicothe. Call today for a free consultation. Help is one phone call away!