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How Can Filing Bankruptcy in Ohio Restore Your Credit?

Many Americans living in Ohio file bankruptcy as a way to restore their credit.  If you have an amount of debt that would be next to impossible to pay off with the amount of income you are receiving, you may want to explore your options with bankruptcy.  You may also want to file bankruptcy if you are struggling to make minimum payments on your bills or if you are threatened with a lawsuit, wage garnishment, foreclosure, vehicle repossession, or utility disconnection.  Filing bankruptcy will allow you to get a fresh start by eliminating most debts owed and can also help protect your assets such as a house or car if you are behind in payments.

How Does Filing Bankruptcy Restore Your Credit and Help You Get Financed?

 

Filing bankruptcy can help you increase your credit score and can help you get financed.  If there are outstanding debts that are in default or in collections, those accounts drag down your credit score month after month.  After so much time elapses, this can create the inability to get financed.  Filing bankruptcy is like hitting the reset button.  All the debts that drag down your credit score month after month are eliminated.  That means that after you file bankruptcy you will see your credit score start to skyrocket.  All the weights that were bringing your credit score down will be lifted and all of the bills you pay on after bankruptcy will increase your credit score.  The reason why you can get financed after filing bankruptcy is because you are debt free and creditors know you can only file a Chapter 7 bankruptcy once every 8 years in Ohio.  By having no debt and the assurance that there won’t be a bankruptcy filed anytime soon, lenders will finance you.  We invite you to contact us for a free bankruptcy consultation to explore your options with bankruptcy and to learn more about how bankruptcy can help you restore your credit and help you get financed.  Help is just one phone call away! 614-934-1544

What Debts Can I Eliminate When 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
  • Some Tax Debt

Ways Filing Bankruptcy in Ohio Can Help You and Your Family Financially

Call Today to Schedule a Free Bankruptcy Consultation With an Experienced Attorney Who Cares About YOU that CAN Help!

The 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

Click here to submit a question or to request a free bankruptcy consultation! What difficult financial situations are you trying to resolve? We will be happy to help! We pride ourselves on the ability to provide our legal expertise with compassion and understanding. Help is just one click or phone call away! 614-934-1544

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Eliminating Credit Cards and Medical Bills by Filing Bankruptcy in Ohio

Filing a Chapter 7 or Chapter 13 bankruptcy will eliminate most of your debts including credit cards and medical bills.  Many times after going through the necessary medical treatments to recover from a severe injury or illness, one will be stuck with an accumulation of medical debt that would be next to impossible to pay off.  Even after health insurance, you may not have the amount of income needed to pay the total debt off or even make minimum payments on all of the bills.  Paying off credit cards can be difficult with high interest rates from credit card companies.  If you are receiving creditor phone calls, struggling to make minimum payments, or cannot see yourself being able to pay off your total debt owed in a reasonable amount of time, bankruptcy may be the best option for you.  We invite you to contact us for a free bankruptcy consultation to discuss your options.  Help is just one phone call away! 614-934-1544

How Can Bankruptcy Help My Credit?

Many times bankruptcy can help you increase your credit score and can help you get financed.  If there are outstanding debts that are in default or in collections, those accounts drag down your credit score month after month.  After so much time elapses, this can create the inability to get financed.  Filing bankruptcy is like hitting the reset button.  All the debts that drag down your credit score month after month are eliminated.  That means that after you file bankruptcy you will see your credit score start to skyrocket because all the weights that were bringing your credit score down have been lifted and all the bills you pay on after bankruptcy start increasing your credit score.

How Can I Get Financed After Bankruptcy?

Filing a Chapter 7 or Chapter 13 bankruptcy can help you get financed or approved for an apartment.  If you are not able to get financed now or approved for an apartment, bankruptcy can help.  The reason why you can get financed after a bankruptcy is because creditors know that you have no debt and can only file a Chapter 7 bankruptcy once every 8 years in Ohio.  By having no debt and the assurance that there won’t be a bankruptcy filed anytime soon, they will finance you.

What are the Benefits of Filing a Chapter 7 or Chapter 13 Bankruptcy in Ohio?

  • 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
  • Get Financed For a Vehicle
  • Get Approved For an Apartment
  • Stall an Eviction

Call Today to Schedule a Free Bankruptcy Consultation With an Experienced Attorney Who Cares About YOU that CAN Help!

The 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

Click here to submit a question or to request a free bankruptcy consultation! What difficult financial situations are you trying to resolve? We will be happy to help! We pride ourselves on the ability to provide our legal expertise with compassion and understanding. Help is just one click or phone call away! 614-934-1544

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Filing Bankruptcy in Ohio While Keeping the House and Car

When you file a Chapter 7 or Chapter 13 bankruptcy in Ohio, you have options.  When you file bankruptcy, you can pick and choose what you want to keep or give up.  Just because you file bankruptcy doesn’t mean that you will lose your house or vehicle.  You can file bankruptcy, eliminate most of your debts, and still keep the house and car.  Filing bankruptcy can actually help you protect these assets if you are behind in payments.  Filing bankruptcy will stop a lawsuit, foreclosure, and vehicle repossession by Federal law.  This means that once you file bankruptcy, creditors will have to work with you no matter what according to Federal law.  If you don’t want to keep a house or vehicle, you can simply eliminate the debt owed from a foreclosure or vehicle repossession along with most other debts such as credit cards, medical bills, person loans, utility bills, and items sent to third-party collections.

Can Filing Bankruptcy Help With Vehicle Repossession?

Yes, filing bankruptcy can help with vehicle repossession.  Once you file bankruptcy, legally the creditor will not be able to repossess your vehicle according to Federal law.  Filing bankruptcy can help you if you are behind in your vehicle payments and you would like to keep your vehicle.  Filing bankruptcy can help you get a vehicle back from repossession if your vehicle has already been taken from you.  You also have an option to walk away free and clear from a vehicle if you like.  There are many options that may be available to you.  Call today to schedule a free bankruptcy consultation to explore your options with your vehicle or filing bankruptcy.  Help is just one phone call away! 614-934-1544

Can Filing Bankruptcy Help With Foreclosure?  Can Filing Bankruptcy Stop a Sheriff Sale on Real Estate?

Filing bankruptcy CAN help with foreclosure and WILL STOP a sheriff sale on real estate.  Filing bankruptcy will help you when creditors are unwilling.  Many times calls to banks go unreturned and loan modifications are often denied.  Filing bankruptcy can help you keep your home safe and will keep your home in your possession.  Bankruptcy can help you get current on your mortgage payments if you are behind.  If you are looking for a legal solution to get a house off your hands, filing bankruptcy will allow you to walk away free and clear and can also eliminate most other debts such as credit cards, medical bills, and personal loans.  An experienced Columbus Ohio Bankruptcy Attorney can tailor a bankruptcy around the unique wants and needs of your family.  We invite you to contact our office for a free consultation to discuss your options with your home or filing bankruptcy.  Help is just one phone call away! 614-934-1544

Call Today to Schedule a Free Bankruptcy Consultation With an Experienced Attorney Who Cares About YOU that CAN Help!

The 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

Click here to submit a question or to request a free bankruptcy consultation! What difficult financial situations are you trying to resolve? We will be happy to help! We pride ourselves on the ability to provide our legal expertise with compassion and understanding. Help is just one click or phone call away! 614-934-1544

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Stop a Wage Garnishment Immediately by Filing Bankruptcy in Ohio

You may consider filing bankruptcy if you have been sued and facing a wage garnishment.  In Ohio, creditors can garnish your wages up to 25% once a judgment has been rendered against you from a lawsuit that was filed.  Losing out on ¼ of your income can be devastating and can create the inability to pay for rent, utilities, food, gas, and other basic living expenses.  Filing a Chapter 7 or Chapter 13 bankruptcy will immediately stop a wage garnishment by Federal law.  Filing bankruptcy will stop the wage garnishment immediately once your bankruptcy petition is filed and can also stop a wage garnishment before it happens if the wage garnishment is in the process of being sent to your employer.

What is a Wage Garnishment?

A wage garnishment is an automatic withdraw of money from your payroll to pay off a debt owed from a lawsuit that was filed against you. As soon as a judgment is rendered against you, the creditor can garnish your wages by law. The creditor can garnish your wages up to 25% in Ohio.  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. Filing a Chapter 7 or Chapter 13 bankruptcy will immediately stop a lawsuit or wage garnishment by Federal law and will also eliminate most debts such as credit cards, medical bills, personal loans, and bills sent to third-party collections.

How Can Filing Bankruptcy Stop a Wage Garnishment in Ohio?

When you file bankruptcy, most of your debts are eliminated including the debt owed from a lawsuit.  Once the bankruptcy is filed, the creditor CANNOT garnish wages, take money out of bank accounts, or attach liens to your property.  The reason for this is because after you file bankruptcy, essentially the debt no longer exists.  The creditor cannot take money from you if there is no debt owed and the account is satisfied through a bankruptcy filing.  Filing bankruptcy will stop or cease all creditor collection efforts against you.  Speaking with an experienced bankruptcy attorney would be a good idea to see what legal options are available to you in order to resolve a lawsuit and stop a wage garnishment.  We invite you to schedule a free bankruptcy consultation with our office so that you may receive the valuable information needed so that you can make an educated decision as to filing bankruptcy and how to stop a wage garnishment.  Help is just one phone call away! 614-934-1544

Call Today to Schedule a Free Bankruptcy Consultation With an Experienced Attorney Who Cares About YOU that CAN Help!

The 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

Click here to submit a question or to request a free bankruptcy consultation! What difficult financial situations are you trying to resolve? We will be happy to help! We pride ourselves on the ability to provide our legal expertise with compassion and understanding. Help is just one click or phone call away! 614-934-1544