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Happy New Year’s From The Law Office of M. Sean Cydrus

The Law Office of M. Sean Cydrus would like to wish everyone a safe and happy New Year’s. We hope that your day is filled with happiness and love. We would also like to give thanks to all of our current and past clients.

The Law Office of M. Sean Cydrus Cares About You and is Here For You Every Step Along the Way!

The Law Office of M. Sean Cydrus is not just here to file your bankruptcy. We are here to address all legal issues that there may be, file your bankruptcy, represent you in court, and to give you some tips and pointers after the bankruptcy to help you rebuild your credit and to lead you in the right direction for financial success. We are here for you every step along the way and still here for you after the bankruptcy is over. We never hesitate to act quickly and efficiently when time is of the essence.

Call Today To Schedule a Free Consultation With an Experienced Bankruptcy Attorney

If you are struggling financially and need to find a way to better your financial situation, we can help. We invite you to contact us for a free bankruptcy consultation. 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 just one phone call away! 614-934-1544

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Start the New Year Debt Free When Filing Bankruptcy in Ohio

Many Americans living in Ohio are filing bankruptcy to get a fresh start for the New Year.  Filing bankruptcy will eliminate most of your debts such as credit cards, medical bills, personal loans, utility bills, and items sent to third-party collections.  You can even eliminate evictions, attorney fees, repossessed vehicles, foreclosed properties, and reinstatement fees.  Filing bankruptcy can also help out if you are faced with a lawsuit, wage garnishment, foreclosure, sheriff sale, or utility disconnection.  Filing bankruptcy will give you protection under the Federal government and can be used as a tactic for rebuilding your credit when creditors are unwilling to work with you.

How Do I Know if I Should File Bankruptcy?

If you are thinking about filing bankruptcy, you should speak with an experienced Bankruptcy Attorney. Legal counsel will be able to determine your eligibility to file bankruptcy and can also explore alternative avenues that may be available to you. The Law Office of M. Sean Cydrus offers a free consultation. We never hesitate to take immediate action when time is of the essence. Call today for a free consultation. Help is just one phone call away! 614-934-1544

Will I lose My Car, House, or Retirement If I File Bankruptcy?

Just because you file bankruptcy doesn’t mean that you will lose your car, house, or retirement. Many times one may file bankruptcy solely for the purpose to get a house out of foreclosure or to get a vehicle back from repossession.  There are Ohio exemptions that can be used to protect your assets while eliminating most of your debts owed. You can tailor a bankruptcy around the unique needs and rhythms of your family. Filing bankruptcy can help you get caught up on payments for something you want to keep or eliminate the debt owed for something you want to give up. Your 401K and IRAs are protected. Scheduling a free consultation with an experienced Columbus Ohio Bankruptcy Attorney would be a good idea to see what all legal avenues are available to you to better your financial situation. Legal counsel will be able to ensure that your rights are protected and can take the necessary legal action when time is of the essence.

The Law Office of M. Sean Cydrus Cares About You and is Here For You Every Step Along the Way!

The Law Office of M. Sean Cydrus is not just here to file your bankruptcy. We are here to address all legal issues that there may be, file your bankruptcy, represent you in court, and to give you some tips and pointers after the bankruptcy to help you rebuild your credit and to lead you in the right direction for financial success. We are here for you every step along the way and still here for you after the bankruptcy is over. We never hesitate to act quickly and efficiently when time is of the essence. Call today for a free bankruptcy consultation! Help is just one phone call away! 614-934-1544

Call Today to Schedule a Free Bankruptcy Consultation!

The friendly Law Office of M. Sean Cydrus cares and 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 ensure that your rights are protected and never hesitate to take immediate action when time is of the essence. We can meet with you at our conveniently located offices in Columbus and Chillicothe. Call today for a free consultation! Help is just one phone call away! 614-934-1544

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Merry Christmas From The Law Office of M. Sean Cydrus

The Law Office of M. Sean Cydrus would like to wish everyone a safe and Merry Christmas. We hope that your day is filled with happiness and love. We would also like to give thanks to all of our current and past clients.

The Law Office of M. Sean Cydrus Cares and is Here For You Every Step Along the Way!

The Law Office of M. Sean Cydrus is not just here to file your bankruptcy. We are here to address all legal issues that there may be, file your bankruptcy, represent you in court, and to give you some tips and pointers after the bankruptcy to help you rebuild your credit and to lead you in the right direction for financial success. We are here for you every step along the way and still here for you after the bankruptcy is over. We never hesitate to act quickly and efficiently when time is of the essence.

If you are struggling financially and need to find a way to better your financial situation, we can help. We invite you to contact us for a free bankruptcy consultation. 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! 614-934-1544

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Bankruptcy Options When You Are Married in Ohio

If you are married, you have a choice to file bankruptcy by yourself or with your spouse.  If you want to file bankruptcy by yourself and leave your spouse out of it, you can file an individual bankruptcy petition. Filing an individual bankruptcy petition would be ideal if all the debt is in one spouse’s name.   If both you and your spouse want to file bankruptcy together, you can file a joint bankruptcy petition.  Filing a joint bankruptcy petition will eliminate the majority of both the husband and wife’s debts.

How Do I know If I Should File an Individual or Joint Bankruptcy Petition?

When making the decision to file bankruptcy, it is very important to explore both options between an individual and joint bankruptcy filing.  Both bankruptcy petitions have their own advantages a couple can take advantage of.  Scheduling a free bankruptcy consultation with an experienced bankruptcy attorney would be a good idea to get free legal advice as to the best course of action needed to be taken in order to reach the optimum results possible.

What Happens If I Am Separated From My Spouse and I Want to File Bankruptcy?

What happens when you are married, but separated from your spouse and want to file bankruptcy? If you are separated from your spouse and living in separate households, you can file by yourself and leave the other spouse out of it. Many times people get married and separate from their spouse without getting a finalized divorce, dissolution, or annulment. Years later one spouse or the other may need to file bankruptcy, but don’t want to get the other involved or even contact them at all.  You have every right to file the bankruptcy by yourself without getting the separated spouse involved.

Ways Bankruptcy Can Help You and Your Family

  • Get a Fresh Start by Eliminating Most Debts Owed
  • Cease or Stop All Creditor Collection Efforts Against You
  • Stop a Lawsuit From Beginning or Continuing
  • Stop a Wage Garnishment
  • Stop a Foreclosure / Sheriff Sale
  • Stop a Vehicle Repossession
  • Get a Vehicle Back From Repossession
  • Stop a Utility Disconnection
  • Get Driver’s License Back From Suspension
  • Rebuild Credit

The Law Office of M. Sean Cydrus Cares and is Here For You Every Step Along the Way!

The Law Office of M. Sean Cydrus is not just here to file your bankruptcy. We are here to address all legal issues that there may be, file your bankruptcy, represent you in court, and to give you some tips and pointers after the bankruptcy to help you rebuild your credit and to lead you in the right direction for financial success. We are here for you every step along the way and still here for you after the bankruptcy is over. We never hesitate to act quickly and efficiently when time is of the essence. Call today for a free bankruptcy consultation! Help is just one phone call away! 614-934-1544

Call Today to Schedule a Free Bankruptcy Consultation!

The friendly Law Office of M. Sean Cydrus cares and 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 ensure that your rights are protected and never hesitate to take immediate action when time is of the essence. We can meet with you at our conveniently located offices in Columbus and Chillicothe. Call today for a free consultation! Help is just one phone call away! 614-934-1544

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Filing Bankruptcy in Ohio to Get Fresh Start and Rebuild Credit

Filing bankruptcy will give you a fresh start and can help you rebuild your credit.  Filing bankruptcy will eliminate most of your debts and can also help you protect your assets if you are being threatened with a lawsuit, foreclosure, or vehicle repossession.  There are many benefits received by filing bankruptcy.  Filing bankruptcy will give you protection under the Federal government and can help you when creditors are unwilling to work with you.

Will Bankruptcy Hurt My Credit?

The truth of the matter is that just because you file bankruptcy doesn’t mean that you are going to ruin your credit.  Just because you file bankruptcy doesn’t mean that you won’t be able to get financed after the bankruptcy.  Many Americans living in Ohio file bankruptcy as a tactic to rebuild their credit and to find a way to get financed.  A lot of people who file bankruptcy do so because they can’t get financed for a car or open a personal line of credit to pay for unexpected expenses.  The truth is that after the bankruptcy creditors will be happy to lend to you.  The reason for this is because you will be debt free and can only file a Chapter 7 bankruptcy once every 8 years.  After the bankruptcy, buying a car shouldn’t be a problem and credit card offers will fill the mailbox.

Will I lose My Car, House, or Retirement If I File Bankruptcy?

There are Ohio exemptions that allow you to protect your assets while eliminating most of your debts.  Many times one may file bankruptcy solely for the purpose to get a house out of foreclosure or to get a vehicle back from repossession.  Bankruptcy can also help if keeping the house or car is not an option you would like to explore.  You can tailor a bankruptcy around the unique needs and rhythms of your family.  Filing bankruptcy can help you get caught up on payments for something you want to keep or eliminate the debt owed if you want to walk away free and clear with a fresh start.  Your 401K retirement and IRAs are protected.  Scheduling a free consultation with an experienced Columbus Ohio Bankruptcy Attorney would be a good idea to see what all legal avenues are available to you to better your financial situation.  Legal counsel will be able to ensure that your rights are protected and can take the necessary legal action when time is of the essence.

What Debts Can I Eliminate in Bankruptcy?

  • Credit Cards
  • Medical Bills
  • Personal Loans
  • Utility Bills
  • Items Sent to Third-Party Collections
  • Debt Owed From a Foreclosed Home
  • Debt Owed From Repossessed Vehicles
  • Evictions
  • Attorney Fees
  • Reinstatement Fees
  • Some Tax Debt

Reasons To File Bankruptcy

  • Get a Fresh Start by Eliminating Most Debts Owed
  • Cease or Stop All Creditor Collection Efforts Against You
  • Stop a Lawsuit From Beginning or Continuing
  • Stop a Wage Garnishment
  • Stop a Foreclosure / Sheriff Sale
  • Stop a Vehicle Repossession
  • Get a Vehicle Back From Repossession
  • Stop a Utility Disconnection
  • Get Driver’s License Back From Suspension
  • Rebuild Credit

How Do I Know if I Should File Bankruptcy?

If you are thinking about filing bankruptcy, you should speak with an experienced Bankruptcy Attorney. Legal counsel will be able to determine your eligibility to file bankruptcy and can explore alternative avenues that may be available to you. The Law Office of M. Sean Cydrus offers a free consultation. We never hesitate to take immediate action when time is of the essence. Call today for a free consultation. Help is just one phone call away! 614-934-1544

The Law Office of M. Sean Cydrus Cares and is Here For You Every Step Along the Way!

The Law Office of M. Sean Cydrus is not just here to file your bankruptcy. We are here to address all legal issues that there may be, file your bankruptcy, represent you in court, and to give you some tips and pointers after the bankruptcy to help you rebuild your credit and to lead you in the right direction for financial success. We are here for you every step along the way and still here for you after the bankruptcy is over. We never hesitate to act quickly and efficiently when time is of the essence. Call today for a free bankruptcy consultation! Help is just one phone call away! 614-934-1544

Call Today to Schedule a Free Bankruptcy Consultation!

The friendly Law Office of M. Sean Cydrus cares and 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 ensure that your rights are protected and never hesitate to take immediate action when time is of the essence. We can meet with you at our conveniently located offices in Columbus and Chillicothe. Call today for a free consultation! Help is just one phone call away! 614-934-1544

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Filing Bankruptcy in Ohio When Self-Employed

If you are self-employed and inquiring about bankruptcy, you may wonder how filing bankruptcy will influence your business.  There is no question that being able to keep the business running is a big concern so that one may have a source of income to draw from.  The truth of the matter is that just because you file bankruptcy doesn’t mean that you will lose the business.  Many times one may file bankruptcy as a way to keep the business running.

A couple bad months for the business can set you back financially for a long time.  If there is not enough revenue generated to pay for the business overhead, one may accumulate a substantial amount of personal debt to keep the doors open.  You may want to explore your options with bankruptcy if you are struggling to make minimum payments on your personal debts or unable to get financed for a personal line of credit.

How Bankruptcy Can Help You and Your Business

Filing bankruptcy can help you and your business.  Many self-employed business owners are having a difficult time with this struggling economy.  It is hard enough to generate enough revenue to pay for business overhead let alone taking home a pay check to pay for food, gas, rent, car payment, and other basic living expenses.  Filing bankruptcy can help you eliminate most of your debts and can also help you protect your assets if you are being threatened with a foreclosure or vehicle repossession.  Filing bankruptcy can also help you get financed for a personal line of credit if you are being declined because of an overwhelming accumulation of unsecured debt.

Other Benefits Received by Filing Bankruptcy in Ohio

Filing Chapter 7 or Chapter 13 bankruptcy will give you protection under the Federal government.  Filing bankruptcy will essentially stop or cease all creditor collection efforts against you.  Filing bankruptcy will stop a lawsuit from beginning or continuing.  Just by simply filing your bankruptcy petition with the court you will be able to stop a wage garnishment, foreclosure, sheriff sale, vehicle repossession, and utility disconnection.  One may also file bankruptcy as a tactic to get their driver’s license back from suspension.  There are many ways bankruptcy can help you and your business. Call today to schedule a free consultation with an experienced Columbus Ohio Bankruptcy Attorney!  Experience counts when you have a lot at stake! 614-934-1544

The Law Office of M. Sean Cydrus Cares and is Here For You Every Step Along the Way!

The Law Office of M. Sean Cydrus is not just here to file your bankruptcy. We are here to address all legal issues that there may be, file your bankruptcy, represent you in court, and to give you some tips and pointers after the bankruptcy to help you rebuild your credit and to lead you in the right direction for financial success. We are here for you every step along the way and still here for you after the bankruptcy is over.  We never hesitate to act quickly and efficiently when time is of the essence.  Call today for a free bankruptcy consultation!  Help is just one phone call away! 614-934-1544

Call Today to Schedule a Free Bankruptcy Consultation!

The friendly Law Office of M. Sean Cydrus cares and 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 ensure that your rights are protected and never hesitate to take immediate action when time is of the essence. We can meet with you at our conveniently located offices in Columbus and Chillicothe. Call today for a free consultation! Help is just one phone call away! 614-934-1544

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Creating a Budget After You File Bankruptcy in Ohio

Creating a budget is the first step to financial success after you file your bankruptcy.  It is very important to find out how much disposable income you have left over each month for investment and recreational purposes.  Knowing how much money you have left over at the end of the month after you pay your bills, fill up your gas tank, and put food in the refrigerator will give you the knowledge needed to make educated decisions about making purchases and how much money you are able to invest.

The First Step to Creating a Budget is to Write Down All of Your Bills

The first step to creating a budget for the month is to write down all of your bills.   The good thing is that after the bankruptcy is complete, most of your debts are eliminated so most of the bills you will write down are basic living expenses such as your rent / mortgage payment, utility bills, insurance, car payment, and ect.

The Second Step is to Write Down Everything You Spend Money on Each Month and the Average Dollar Amount Spent

After you write down all of your bills, write down everything you spend money on each month and the average dollar amount spent.  These things include food, gas, household items, prescription medications, clothing, and recreational expenses.  Try to be as realistic as possible without cutting yourself short.  This will have a strong impact on the amount of disposable income that will be left over at the end of the month.

The Third Step is To Add Up Your Bills for the Month and the Things You Spend Money On

Next, add up all of your bills for the month and the things you spend money on.  When you add these two expenses together, you will be able to find out how much money you spend on a monthly basis and to find out how much income is needed to keep things afloat each month.  This number will become your total expenses.

The Fourth Step is to Subtract Your Total Expenses From Your Take Home Pay

Last, subtract your total expenses from your take home pay and that is the amount of disposable income you have left over each month for investing, saving, and spending recreationally.  Finding out your disposable income is crucial when making educated decisions about how to spend and invest your money.

The Law Office of M. Sean Cydrus is Here to Help You Before and After the Bankruptcy

The Law Office of M. Sean Cydrus is not just here to file your bankruptcy.  We are here to address all legal issues that there may be, file your bankruptcy, represent you in court, and to give you some tips and pointers after the bankruptcy to help you rebuild your credit and lead you in the right direction for financial success.  We are here for you every step along the way and still here for you after the bankruptcy is over.

Call Today to Schedule a Free Bankruptcy Consultation With an Experienced Attorney Who Cares About You

The friendly Law Office of M. Sean Cydrus cares and 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 ensure that your rights are protected and never hesitate to take immediate action when time is of the essence.  We can meet with you at our conveniently located offices in Columbus and Chillicothe. Call today for a free consultation! Help is just one phone call away! 614-934-1544

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Stop Sheriff Sale Today by Filing Bankruptcy in Ohio

If your home is scheduled for sheriff sale, you must take action immediately before it is too late. If nothing is done before the sheriff sale date, your home will be lost and there will be nothing you can do.  The house will be transferred out of your name and you will be forced to leave the premises.  Filing bankruptcy will remove the sheriff sale date and will stop the foreclosure.  Bankruptcy is an option available under the Federal government. Bankruptcy will give you a legal avenue to get current on your mortgage payments if you would like to keep your home or a solution to walk away free and clear if keeping the home is not an option you would like to explore.  Both Chapter 7 and Chapter 13 bankruptcy offer solutions to stopping a sheriff sale and foreclosure.  You can tailor a bankruptcy around the unique needs and rhythms of your family.   Filing Chapter 7 or Chapter 13 bankruptcy will eliminate most of your other debts such as credit cards, medical bills, personal loans, utility bills, repossessed vehicles, attorney fees, reinstatement fees, evictions, and items sent to third-party collections.  Filing bankruptcy will not only resolve a sheriff sale and foreclosure, but will also help you get a fresh start with your bills while protecting your assets.

I Tried Working With The Bank, But The Bank Was Unwilling To Work With Me

Many times calls to banks go unreturned and loan modifications are often denied.  Federal bankruptcy laws are set in place to help you when creditors won’t.  Sometimes things are out of your control.  No one can help falling behind on mortgage payments because of unemployment, underemployment, medical problems, or having to pay for unexpected expenses.  Many times banks will tell folks to stop paying on their mortgage only to come to find out that there is a sheriff sale date or the loan modification was denied.  When this happens, bankruptcy may be the best and only option available to you.  In order to reach the optimum results possible, it is important to take immediate action once you find out that your home is in foreclosure or a sheriff sale date is scheduled.  Sheriff sale dates in Franklin County, Ohio can be found at the Franklin County Sheriff’s Office website.

Schedule a Free Consultation Today With an Experienced Attorney That Can Help With Foreclosure!

If you are facing foreclosure, there is no time to lose. Scheduling a free consultation with an experienced Columbus Ohio Bankruptcy Attorney will allow you to make educated decisions about the house in foreclosure and to see every legal avenue available to you under the applicable law. Legal counsel will ensure that your rights are protected and can take immediate action when time is of the essence. Call today to schedule a free consultation with an experienced Columbus Ohio Bankruptcy Attorney that can help!  Help is just one phone call away! 614-934-1544

The Law Office of M. Sean Cydrus Can Help!

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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Free Bankruptcy Consultation With Experienced Attorney in Columbus Ohio

Scheduling a free consultation with an experienced bankruptcy attorney would be a good idea to see what all legal avenues are available to you under the applicable law in order to resolve a time sensitive financial matter.  An experienced bankruptcy attorney can determine your eligibility to file bankruptcy and can explore other avenues that may be beneficial.  There are many benefits that bankruptcy offers.  Filing bankruptcy will give you protection under the Federal government and can resolve legal issues such as wage garnishment, foreclosure, eviction, vehicle repossession, utility disconnection, and driver’s license suspension.

You may consider filing bankruptcy if you are receiving harassing creditor phone calls and having a hard time paying on all debts owed.  If you are struggling to make minimum payments and come up a little short each month, bankruptcy may be the best option for you.  You may be unemployed or underemployed.  Perhaps there were some unexpected expenses that set you back financially.  Filing bankruptcy can help when creditors are unwilling to work with you.

Filing a Chapter 7 or Chapter 13 Bankruptcy

Filing a Chapter 7 or Chapter 13 bankruptcy will eliminate most of your debts such as credit cards, medical bills, personal loans, utility bills, and items sent to third-party collections. You can also eliminate other debts such as a foreclosed home, repossessed vehicles, evictions, attorney fees, and reinstatement fees.  The only debts you typically have to pay back are student loans, things you owe the government like back taxes, and domestic support such as child support or spousal support.

Benefits to Filing Bankruptcy in Ohio

There are many benefits to filing bankruptcy in Columbus, Ohio.  Just by simply filing your bankruptcy petition you can stop a wage garnishment, foreclosure, sheriff sale, vehicle repossession, and utility disconnection. Filing bankruptcy can also help you with an eviction or getting your driver’s license back from suspension.  Filing bankruptcy can help you protect your assets while getting a fresh start on your bills.  Call today for a free consultation with an experienced Columbus Ohio Bankruptcy Attorney to see how bankruptcy can help you and your family.

Schedule a Free Bankruptcy Consultation Today! Help is Just One Phone Call Away!

Speaking with an experienced Columbus Ohio Bankruptcy Attorney will give you an opportunity to explore every legal option available to you under the applicable law in order to resolve a time sensitive financial matter.  Legal counsel can help you get back to financial success and can take the necessary legal action to stop a wage garnishment, foreclosure, sheriff sale, vehicle repossession, and utility disconnection.  Filing bankruptcy can help you get debt free while protecting your investments.  Call today for a free consultation! Help is just one phone call away! 614-934-1544

The Law Office of M. Sean Cydrus Can Help!

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 Eliminated by Filing Bankruptcy in Franklin County Ohio

You may be one of many Americans living in Franklin County, Ohio who are struggling financially and looking for a solution to better your financial situation.   If you don’t have enough income to make payments on all of your debts or the total debt is an amount that would be nearly impossible to pay off, you may want to consider filing bankruptcy.  Filing bankruptcy will give you protection under the Federal government and can help you when creditors are unwilling to work with you.

Debts Eliminated by Filing Bankruptcy

  • Credit Cards
  • Medical Bills
  • Personal Loans
  • Utility Bills
  • Items Sent to Third-Party Collections
  • Debt Owed From a Foreclosed Home
  • Debt Owed From Repossessed Vehicles
  • Evictions
  • Attorney Fees
  • Reinstatement Fees

Debts That You May Have to Pay Back After You File Bankruptcy

  • Student loans
  • Taxes that are less than 3 years old
  • Domestic Support (Child Support & Spousal Support)

Ways Bankruptcy Can Help Your Financial Situation

There are many ways filing bankruptcy can help with your financial situation.  Filing bankruptcy will not only eliminate most of your debts, but will also stop a wage garnishment, foreclosure, sheriff sale, vehicle repossession, and utility disconnection by Federal law.  You can stop or stall an eviction and can even get your driver’s license back from suspension.  Filing bankruptcy will stop a lawsuit from beginning or continuing.  Essentially what filing bankruptcy does is that it stops or ceases all creditor collection efforts against you and eliminates most of your debts while protecting your assets such as a car, house, or retirement.

If I File Bankruptcy Will I Lose My Car, House, or Retirement?

Just because you file bankruptcy doesn’t mean that you will lose your car, house, or retirement.  Many Americans living in Ohio file bankruptcy to find a way to keep their car, house, or retirement.  There are Ohio exemptions that allow you to protect your assets.  Filing bankruptcy can help put matters in your hands when creditors are unwilling to work with you.  Filing bankruptcy can help if you are behind in your mortgage payments, vehicle payments, or if someone filed a lawsuit against you threatening to garnish your wages.  Filing bankruptcy will not only eliminate most of your debts, but can also help you protect your investments as well.

Schedule a Free Consultation With an Experienced Bankruptcy Attorney That Can Help!

Scheduling a free consultation with an experienced Columbus Ohio Bankruptcy Attorney will give you an opportunity to see what all legal avenues are available to you under the applicable law. Legal counsel will ensure that your rights are protected and that someone is looking out for your best interest.  An experienced bankruptcy attorney can step in and take action when creditors are unwilling to work with you.  Call today for a free bankruptcy consultation!  Help is just one phone call away! 614-934-1544

The Law Office of M. Sean Cydrus Can Help!

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 to Get Your Driver’s License Back From Suspension by Filing Bankruptcy in Ohio

Filing bankruptcy doesn’t only eliminate most of your debts, but can also help you get your driver’s license back from suspension.  Ohio law considers reinstatement fees as a debt that may be dischargeable or eliminated in 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 driver’s 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.

Will Filing Bankruptcy Get My Driver’s License Back From Suspension?

Yes, filing bankruptcy can help you get your driver’s license back from suspension as long as the offense was not drug or alcohol related.   There are many reasons why one may have their driver’s license suspended.  The top reasons are because of a car accident or driving without insurance.  Filing bankruptcy will not only eliminate the reinstatement fees, but will also eliminate the debt owed from a lawsuit and most of your other debts such as credit cards, medical bills, personal loans, utility bills, and items sent to third-party collections.  You can also eliminate debts owed from an eviction, repossessed vehicle, or a foreclosed home.

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 Eliminate Reinstatement Fees in My Bankruptcy to Get My Driver’s License Back?

Yes, you can eliminate or discharge reinstatement fees in a Chapter 7 or Chapter 13 bankruptcy to get your driver’s license back as long as the offense was not drug or alcohol related. Ohio law considers reinstatement fees as a debt that may be dischargeable in a bankruptcy under ORC 4510.10(G).

My Wages are Getting Garnished Because of a Lawsuit, Can Bankruptcy Help?

Yes, filing bankruptcy will not only help you get your driver’s license back, but will also stop a wage garnishment by Federal law.  As soon as your bankruptcy petition is filed, legal documentation will be sent to the necessary parties and the wage garnishment will stop immediately.

Ways Bankruptcy Can Help Your Financial Situation

  • Get Your Driver’s License Back From Suspension
  • Eliminate Most of Your Debts or Bills
  • Stop a Wage Garnishment
  • Stop a Foreclosure / Sheriff Sale
  • Stop a Vehicle Repossession
  • Stop a Utility Disconnection
  • Stop Creditor Harassment and Give You a Fresh Start
  • Stop or Stall an Eviction

Debts Eliminated by Filing a Chapter 7 or Chapter 13 Bankruptcy

  • Reinstatement Fees
  • Credit Cards
  • Medical Bills
  • Personal Loans
  • Utility Bills
  • Items Sent to Third-Party Collections
  • Debt Owed From a Foreclosed Home
  • Debt Owed From Repossessed Vehicles
  • Evictions
  • Attorney Fees

Schedule a Free Consultation With an Experienced Bankruptcy Attorney That Can Help!

Scheduling a free consultation with an experienced bankruptcy attorney will give you an opportunity to see what all legal avenues are available to you under the applicable law.  Legal counsel will ensure that your rights are protected and can help you get your driver’s license back from suspension. Call today for a free bankruptcy consultation.  Help is just one phone call away! 614-934-1544

The Law Office of M. Sean Cydrus Can Help!

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!