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Received a Summons and Complaint in Franklin County Ohio

If you have received a Summons and Complaint in the mail, immediate action is necessary.   Once you have received a Summons and Complaint from a lawsuit, it is a matter of time before the court reaches a judgment.  You will usually receive a letter stating that you must respond within 28 days.  This can be devastating.  The end result of a lawsuit if a judgment is rendered against you is a wage garnishment.  The creditor will also be able to take money out of bank accounts or attach liens to property once a judgment is rendered.  Filing a Chapter 7 or Chapter 13 personal bankruptcy will stop a lawsuit from beginning or continuing.  Filing bankruptcy will also prevent or stop a wage garnishment.  If you have a lawsuit on your hands and need help, feel free to contact us for a free consultation.  The Law Office of M. Sean Cydrus never hesitates to take immediate action when time is of the essence.  Help is just one phone call away! 614-934-1544

Received Notice of Court Proceeding to Collect Debt in Franklin County Ohio

If you have received a Notice of Court Proceeding to Collect Debt in Franklin County, Ohio it is a matter of time before your wages become garnished.  This notice means that there has been a lawsuit filed against you and a judgment has been rendered in favor of the other party.  This notice will give you 15 days to settle the account before the legal documentation will be sent to your employer’s payroll in which they can take up to 25% of your take home pay before your paycheck is issued or direct deposited in your bank account.  Filing bankruptcy can eliminate the debt owed from a lawsuit and will stop a wage garnishment by Federal law.  If you are threatened with a wage garnishment and actively seeking to resolve the matter, feel free to contact us for a free consultation with an experienced Attorney who cares about you and will fight for you! Help is just one phone call away! 614-934-1544

I Do Not Have the Payment to Avoid Garnishment, What Can I Do?

When you are about to get garnished from a lawsuit, you will receive a letter captioned “Notice of Court Proceeding to Collect Debt”.  This letter will give you 15 days to send in the payment to avoid garnishment.  Chances are you do not have the full payment because if you did, the bill would have been paid in the first place.  Bankruptcy can be used as a legal solution to stop a wage garnishment before or after it happens.  Bankruptcy can also help restore credit by eliminating any unsolved debts that may be lingering on your credit report.  To schedule a free consultation with an experienced attorney who can help call 614-934-1544.

How Can Bankruptcy Help?

  • 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

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
  • Tax Debt

Call Today to Schedule a Free 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

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How Filing Bankruptcy Can Restore Your Credit in Ohio

Many Americans living in Ohio file bankruptcy as a way to restore their credit.  Just because you file bankruptcy doesn’t mean that your credit will be negatively affected.  Many times, bankruptcy can help you increase your credit score and can help you get financed.

How Can Bankruptcy Increase My Credit Score?

Your credit is like the scales of justice.  On one side you have the bills that you pay on time that are in good standing.  On the other side you have bills that report negatively such as ones that are late, in default, or sent to third-party collections.  If the negative accounts outweigh the positive accounts eventually it creates the inability to get financed.  What bankruptcy does is eliminate all of the negative accounts that bring down your credit score.  After bankruptcy, you have no negative outstanding debt which means that everything you pay on increases your credit score.  Filing bankruptcy will truly give you a fresh start and can not only protect you against creditors, but will restore your credit as well.

How Can Filing Bankruptcy Get Me Financed For a Car?

Getting turned down for a car loan can be devastating, especially when there are children involved.  If you are in dire need of a vehicle and not able to get financed, bankruptcy can help.  In most situations, the reason why an application was denied was because of outstanding debts rather it be a repossessed vehicle or a mixture of other negative debts that may be lingering around on the credit report.  What bankruptcy does is eliminate the outstanding negative accounts that bring down your credit score.  After bankruptcy, the creditors or lenders know that the person is debt free and see that there is enough disposable income needed to pay on the loan trying to get financed.  If you are actively looking for a solution to resolve a difficult financial situation, we can help!  Call today to schedule a free consultation with an experienced Columbus Ohio Bankruptcy Attorney.  Help is just one phone call away! 614-934-1544

Benefits Received From Filing 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 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 Lawsuit, Foreclosure, Vehicle Repossession, and Utility Disconnection by Filing Bankruptcy in Ohio

There are many benefits to filing bankruptcy.  Bankruptcy doesn’t just eliminate your debts, but can also help you protect your assets that may be in jeopardy from relentless creditors. As soon as you file your bankruptcy petition with the court, you will receive protection under the Federal government.  The Federal protection you will receive is called an “Automatic Stay of Protection”.  The Automatic Stay of Protection is what will stop a lawsuit, wage garnishment, foreclosure, sheriff sale, vehicle repossession, and utility disconnection.  The automatic stay of protection will stop all creditor collection efforts against you and will keep your assets safe and restrain creditors from taking your money.

Filing Bankruptcy to Resolve Lawsuit and Stop Wage Garnishment in Ohio

Getting served a Summons and Complaint in the mail can be a frightening experience.  The end result of a lawsuit after a judgment is rendered against you usually results in 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.  Filing bankruptcy will restrain all creditors from garnishing your wages. If you are getting garnished now, bankruptcy will prevent any further deductions from your payroll.  If you have a lawsuit on your hands or threatened with a wage garnishment, you invite you to contact us for a free consultation.  Help is just one phone call away! 614-934-1544

Filing Bankruptcy to Stop a Foreclosure or Sheriff Sale on Real Estate in Ohio

Getting served a Complaint for Foreclosure or Notice of Sheriff Sale can be a difficult financial situation to resolve on your own especially if the bank is unwilling to work with you. You may be behind in your mortgage payments because of unemployment, underemployment, or added unexpected expenses. Many times calls to banks go unreturned and loan modifications are often denied. Bankruptcy is an option available under the Federal government that will give you Federal protection. Bankruptcy can help you when creditors and banks are unwilling to work something out. Bankruptcy will give you a legal avenue to get current on your mortgage payments if you would like to keep your home or can be used as a legal solution to walk away free and clear if you simply want the house off your hands. Sheriff sale dates on real estate can be found at your county sheriff’s office website.  A house scheduled for sheriff sale in Franklin County could be found at the Franklin County Sheriff’s Office Real Estate Division website.  An experienced Columbus Ohio Bankruptcy Attorney can tailor a bankruptcy around your unique situation. There are many options available under both Chapter 7 and Chapter 13 bankruptcy.  It is very important that once you are served paperwork from a foreclosure or sheriff sale that you take action immediately before your home is taken from you. Call today for a free consultation! Help is just one phone call away! 614-934-1544

Filing Bankruptcy to Stop Vehicle Repossession in Ohio

Filing a Chapter 7 or Chapter 13 bankruptcy will stop a vehicle repossession by Federal law.  Filing bankruptcy can help you if you are behind in your vehicle payments. If your vehicle is repossessed and action isn’t taken quickly, the vehicle will be lost and there will be nothing you can do. Filing a Chapter 13 bankruptcy will get a vehicle back from repossession or keep the vehicle from getting repossessed if you are behind in payments.  Chapter 13 will cure the arrearages and allow you to get caught up on your vehicle payments. Filing Chapter 7 is an option available if you don’t want to keep the vehicle. Filing a Chapter 7 bankruptcy will eliminate the debt owed from a repossessed vehicle along with most other debts or bills such as credit cards, medical bills, personal loans, and utility bills. If you need to get a vehicle back from repossession, time is of the essence and action must be taken immediately.  Call today for a free consultation.  We never hesitate to act quickly and efficiently when time is of the essence. Help is just one phone call way! 614-934-1544

Filing Bankruptcy to Stop a Utility Disconnection in Ohio

Filing bankruptcy will stop a utility disconnection by Federal law. Filing a Chapter 7 or Chapter 13 bankruptcy will eliminate the debt owed from a utility bill along with other debts. After a utility bill gets so high, the utility company will send you a notice to shut off or disconnect your utilities. This can create a disaster not having the ability to use a refrigerator, stove, hot water, and other major appliances. In many situations, the money the utility company asks for you simply do not have. Filing a Chapter 7 or Chapter 13 bankruptcy will not only stop the utility company from turning off your utilities, but can also get your utilities turned back on in the event that the utilities have already been turned off. Some of the most common utility companies in Ohio are AEP, Columbia Gas, and City of Columbus Power & Water.  If you are threatened by a utility disconnection notice and struggling to make minimum payments on your monthly bills, we invite you to contact us for a free consultation.  Help is just one phone call away!

Call Today to Schedule a Free 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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Stopping a Lawsuit and Wage Garnishment When Filing Bankruptcy in Ohio

Filing a Chapter 7 or Chapter 13 personal bankruptcy will eliminate most debts and will also stop a wage garnishment.  Filing bankruptcy will stop a wage garnishment from beginning or continuing.  Once you file bankruptcy, you will receive protection under the Federal government.  Once you file bankruptcy, creditors will not be able to garnish wages, take money out of bank accounts, or attach liens to property.  Filing bankruptcy stops or ceases all creditor collection efforts against you.  Filing bankruptcy will protect your assets such as a house or car while eliminating most debts such as credit cards, medical bills, personal loans, and items sent to third-party collections.  If you are threatened with a lawsuit or wage garnishment it is important to take action immediately.  If nothing is done within a certain time period, the creditor will get a judgment rendered against you and that is when they can legally take money from you rather it is from wages or bank accounts.  To schedule a free consultation with an experienced bankruptcy attorney who will fight for you call 614-934-1544!  Help is just one phone call away! 614-934-1544

What Happens When There 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 Does Bankruptcy Prevent a Wage Garnishment?

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 when you file bankruptcy there is what is called an “automatic stay” set in place that stops creditors from coming after you.  The “automatic stay” is the protection you receive from the Federal government.

Call Today to Schedule a Free 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

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Received Complaint for Foreclosure from Franklin County Clerk of Courts

Getting served a Complaint for Foreclosure or Notice of Sheriff of Sale can be a difficult financial situation to resolve on your own especially if the bank is unwilling to work with you. You may be behind in your mortgage payments because of unemployment, underemployment, or added unexpected expenses. Many times calls to banks go unreturned and loan modifications are often denied. Bankruptcy is an option available under the Federal government that will give you Federal protection. Bankruptcy can help you when creditors are unwilling. Bankruptcy will give you a legal avenue to get current on your mortgage payments if you would like to keep your home or can be used as a legal solution to walk away free and clear if keeping the house is not an option you would like to explore. You can tailor a bankruptcy around your unique situation. There are many options available between both Chapter 7 and Chapter 13 bankruptcy.

My House is in Foreclosure and I Want to Keep My Home

You have probably tried working with the bank, but the bank wasn’t willing to work with you. Many times the bank will demand the whole balance of what you are behind in one lump sum and won’t settle for payments. This creates a problem because if you had the money you wouldn’t be behind in the first place. Filing Chapter 13 bankruptcy can help 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 Chapter 13 bankruptcy will stop a foreclosure and sheriff sale by Federal law. Filing Chapter 13 bankruptcy will also eliminate most other debts such as credit cards, medical bills, personal loans, utility bills, and items sent to third-party collections. Federal bankruptcy laws are set in place to help you when creditors won’t. Call today to schedule a free consultation to learn more about how bankruptcy can help with a foreclosure. Help is just one phone call away! 614-934-1544

My House is Scheduled for Sheriff Sale, What Can I Do?

If your house 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 there won’t be anything else you can do. Filing bankruptcy will stop the foreclosure by Federal law and will take your home off of the sheriff sale listing. Listings of properties scheduled for sheriff sale in Franklin County can be found at the Franklin County Sheriff’s website.  If your house is scheduled for sheriff sale and you are actively looking for a solution, we invite you to contact us for a free consultation to explore your options. Help is just one phone call away! 614-934-1544

I Tried Working With the Bank, but the Bank Wouldn’t Work With Me

Many times calls to banks go unreturned and loan modifications are often denied.  If the bank is not willing to work with you, bankruptcy may be the best option for you.  When you file bankruptcy, you receive protection under the Federal government where the bank has to work with you.  The bank has no choice.  Bankruptcy can be used as a solution to get current on mortgages payments if you want to keep the house or a way to walk away free and clear if you simply want the house off your hands.  An added benefit to filing bankruptcy to resolve a foreclosure is that most outstanding debts will be eliminated in the process while protecting your assets that you are trying to keep.  Scheduling a free consultation with The Law Office of M. Sean Cydrus would give you an opportunity to speak with an experienced attorney that can evaluate your unique situation and lay out every legal option available to you under the applicable law. Help is just one phone call away! 614-934-1544

Call Today to Schedule a Free 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

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Eliminating Tax Debt When Filing Bankruptcy in Ohio

For some people, tax season can bring a significant financial hardship rather than a sign of relief.  Having to pay taxes at the end of the year can make everyday living even more difficult.  If the tax debt is a dollar amount you cannot afford to pay back anytime soon, bankruptcy may be the best option for you.  Filing bankruptcy can help you eliminate the total amount of tax debt or can get you on a payment plan that you can afford.  Taxes are the grey area in bankruptcy where some taxes you do not have to pay back and some taxes you do have to pay back.  There are many factors that determine one’s eligibility to file bankruptcy to eliminate taxes.  There are many options to choose from between the different types of bankruptcies.  An experienced bankruptcy attorney will be able to conduct a full synopsis of your situation, explain what legal avenues are available to you, and ultimately let you make the decision from there.  To schedule a free consultation with an experienced attorney who cares about you that can help call 614-934-1544!  Help is just one phone call away! 614-934-1544

Filing Chapter 7 Bankruptcy to Eliminate Tax Debt

Chapter 7 bankruptcy is what most people think of when they think about bankruptcy.  Chapter 7 bankruptcy is the total elimination of debts.  Most debts are eliminated including tax debts.  In order for the tax debts to be eliminated by filing a Chapter 7 bankruptcy the tax debt must be older than 3 years and the taxes must have been filed on time.  If the taxes are more than 3 years old and the taxes have been filed on time, filing a Chapter 7 bankruptcy will eliminate your tax debt.  If the taxes are less than 3 years old or you have been late filing your taxes, filing a Chapter 13 bankruptcy may be your best alternative. An experienced bankruptcy will be able to determine your eligibility to file a Chapter 7 bankruptcy and will also be able to let you know if your tax debt will be dischargable in a Chapter 7 bankruptcy filing.  Call 614-934-1544 to schedule a free consultation! Help is just one phone call away! 614-934-1544

Filing Chapter 13 Bankruptcy to Eliminate Tax Debt

Chapter 13 bankruptcy is the type of bankruptcy where you have to pay back a portion of your total debt.  Chapter 13 bankruptcy is often referred to as the “pennies on the dollar deal” because in most situations you pay back a fraction of the total debt owed.  A Chapter 13 repayment plan can help you reduce or eliminate ongoing late fees and interest incurred on back taxes.  Filing a Chapter 13 bankruptcy can also help you eliminate other debts such as credit cards, medical bills, personal loans, and items sent to third-party collections.  The court takes into consideration your income and basic living expenses.  Your Chapter 13 payment proposed by your attorney should save you money at the end of the month and give you the protection you need to eliminate your debts and protect your assets.  If you are thinking about filing bankruptcy or need help resolving a difficult financial situation, seeking guidance from a legal professional is the first step to resolving the problem.  To schedule a free consultation with an experienced attorney who cares about you that can help call 614-934-1544! Help is just one phone call away! 614-934-1544

Call Today to Schedule a Free 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

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What are the Benefits of Filing Bankruptcy in Ohio?

There are many ways that bankruptcy can help financially.  Bankruptcy can restore credit and can also resolve difficult financial situations such as a lawsuit, foreclosure, vehicle repossession, and utility disconnection.  There are two types of personal bankruptcies.  The two types of personal bankruptcies are Chapter 7 and Chapter 13.  Both bankruptcies have their own unique benefits and qualification depends on several factors.   An experienced bankruptcy attorney will be able to tailor a bankruptcy around your unique situation and can take immediate legal action if time is of the essence.

What Are Some of The Reasons To File Bankruptcy?

  • Restore credit
  • Create the ability to get financed
  • Help get approved for an apartment
  • Get driver’s license reinstated because of an auto accident with no insurance
  • Stop a foreclosure or sheriff sale
  • Stop a wage garnishment from beginning or continuing
  • Restrain creditors from taking money out of your bank account
  • Restrain creditors from attaching liens on vehicles, real estate, or other personal property
  • Eliminate debts or bills
  • Consolidate debts or bills
  • Stop an eviction
  • Stop a vehicle from getting repossessed or get a vehicle back from repossession
  • Get a fresh start and protect assets that are threatened by harassing creditors

As you can see, there are many reasons why one may need to file bankruptcy.  Bankruptcy is an option available through the Federal government that can help you restore your credit by eliminating most of your debts.   Many times calls to banks go unreturned and creditors often will not work with you.  Bankruptcy can help you when creditors are unwilling.  Bankruptcy will keep your assets safe and put control back into your hands.  To learn more about bankruptcy call today to schedule a free bankruptcy consultation!  Help is just one phone call away! 614-934-1544

Call Today to Schedule a Free 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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Debt Consolidation Through Federal Government With Chapter 13 Bankruptcy

If you are struggling to make minimum payments on your bills, you have probably thought about consolidating your debt so that you can make one payment each month that you can afford.  The only true debt consolidation is getting a personal loan from the bank to pay off all of your bills or by filing a Chapter 13 bankruptcy.  Filing a Chapter 13 bankruptcy will enable you to make a payment you can afford each month that is disbursed to your creditors to pay off your debt. Filing a Chapter 13 bankruptcy will give you protection under the Federal government unlike debt consolidation companies you hear about on television or the radio.  By filing a Chapter 13 bankruptcy, you may also pay pennies on the dollar on your debts.  That means that you may not have to pay back the total amount of debt owed and there is no interest.  If you are struggling to make minimum payments on your debts or trying to resolve a difficult financial matter, we invite you to contact us for a free consultation! Help is just one phone call away! 614-934-1544

Filing Chapter 13 Bankruptcy Can Help If You Are Behind in Mortgage or Vehicle Payments

Another added benefit to filing a Chapter 13 bankruptcy is that a Chapter 13 bankruptcy can help you get caught up on your mortgage or vehicle payments if you are behind.  If you had the money to get caught up on payments, you wouldn’t be behind in the first place.  What a Chapter 13 would do is allow you to pay a small fraction of the arrears over the proposed length of plan.  If you are threatened with a foreclosure, sheriff sale, or vehicle repossession bankruptcy may be the best remedy.  Filing a Chapter 13 bankruptcy will help you when creditors are unwilling.  Filing a Chapter 13 bankruptcy will put your assets back in your possession and will stop or cease all creditor collection efforts against you.  If you are behind in payments and threaten with a lawsuit, foreclosure, or vehicle repossession it is important to take immediate action before it is too late.  The Law Office of M. Sean Cydrus never hesitates to act quickly and efficiently when time is of the essence.  We invite you to contact us for a free consultation! Help is just one phone call away! 614-934-1544

What Debts Can I Eliminate When Filing a Chapter 13 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
  • Tax Debt

Call Today to Schedule a Free 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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How Can Bankruptcy Resolve a Lawsuit From a Car Accident With No Insurance?

A car accident can be a traumatic experience to encounter.  It is something that happens when you least expect it and something you cannot foresee. Recovering from damages incurred in a car accident can be difficult. If the car insurance payment is one day late, the car insurance policy will not cover the damages from the accident and you could be left with a payment amount that would be next to impossible to pay. If the person responsible for the accident is unable to pay for the damages out of pocket, the driver could lose their license and get their wages garnished until the amount is satisfied.  Filing bankruptcy will eliminate the debt owed from the auto accident.  If your driver’s license is suspended because of the accident, when you file bankruptcy you can take your bankruptcy petition to the BMV to get your driver’s license reinstated and the reinstatement fees will be included in the bankruptcy.  If you have been involved in an auto accident and creditors are harassing you, we invite you to contact us for a free consultation.  Help is just one phone call away! 614-934-1544

How Can Filing Bankruptcy Get My Driver’s License Reinstated?

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 to get your driver’s license back from suspension, but will also eliminate the debt owed from a lawsuit along with most of your other debts or bills.  Call today to schedule a free bankruptcy consultation to see how bankruptcy can help you get your driver’s license back from suspension!  Help is just one phone call away! 614-934-1544

How Can Filing Bankruptcy Stop a Wage Garnishment?

Filing bankruptcy will stop a wage garnishment and will also stop a lawsuit from beginning or continuing. After filing your bankruptcy petition, you will receive an automatic stay of protection that will stop all creditor collection efforts 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. Filing bankruptcy will prevent your wages from becoming garnished and can stop a wage garnishment if your wages are already garnished. 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. Call today to schedule a free bankruptcy consultation with an experienced bankruptcy attorney! Help is just one phone call away! 614-934-1544

What Are The Benefits of Filing 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
  • Get Financed For a Vehicle
  • Get Approved For an Apartment
  • Stall an Eviction

Call Today to Schedule a Free 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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Can I File Bankruptcy and Still Keep My House?

When you file bankruptcy, you have options.  An experienced bankruptcy attorney can tailor a bankruptcy around your unique situation.  There are exemptions in Ohio that will allow the protection of certain assets such a house, car, or a retirement account.  You CAN file bankruptcy and still keep the house.  There are many people that file bankruptcy for the sole reason to stop a foreclosure or sheriff sale.  Bankruptcy can be used as a legal remedy to simply eliminate outstanding debts to restore credit or can be used as a tactic to save a house from foreclosure.

I Received a Foreclosure Notice in the Mail, Can Bankruptcy Help?

Getting served a Complaint for Foreclosure can be a difficult financial situation to resolve on your own especially if the bank is unwilling to work with you. You may be behind in your mortgage payments because of unemployment, underemployment, or added unexpected expenses. Many times calls to banks go unreturned and loan modifications are often denied. Bankruptcy is an option available under the Federal government that will give you Federal protection. Bankruptcy can help you when creditors are unwilling. Bankruptcy will give you a legal avenue to get current on your mortgage payments if you would like to keep your home or can be used as a legal solution to walk away free and clear if keeping the home is not an option you would like to explore. There are many options available between both Chapter 7 and Chapter 13 bankruptcy rather you want to keep your home or give it up.  Call today to schedule a free consultation to explore your options.  Help is just one phone call away! 614-934-1544

Can Filing Bankruptcy Stop a Sheriff Sale on My Home?

If your house 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 there won’t be anything else you can do. Filing bankruptcy will STOP THE FORECLOSURE by Federal law and will take your home off of the sheriff sale listing. If your house is scheduled for sheriff sale and you are actively looking for a solution, we invite you to contact us for a free consultation to explore your options. Help is just one phone call away! 614-934-1544

Call Today to Schedule a Free 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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What Debts Can I Eliminate When Filing For Bankruptcy?

You may be one of many Americans living in Ohio thinking about filing for bankruptcy.  There are many ways that bankruptcy can help with difficult financial situations.  Some examples include stopping a lawsuit, wage garnishment, foreclosure, vehicle repossession, or utility disconnection.   Filing a Chapter 7 or Chapter 13 personal bankruptcy can even help someone get their driver’s license back from suspension.  With all of the benefits that go along with filing bankruptcy, restoring credit by eliminating most debts is the most common reason why one may have to file bankruptcy.  Filing bankruptcy will often restore one’s credit by eliminating any negative accounts that may be dragging down their credit score month after month.  So what debts can you eliminate when filing for bankruptcy in Ohio?

Debts Eliminated When Filing For Bankruptcy in Ohio

  • 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

As you can see, filing for bankruptcy will eliminate most debts.  The only debts you cannot eliminate are student loans, debts owed to the government (back taxes less than 3 years old), and domestic support (child support or spousal support).  If the debt does not fall within those three categories, the debt can be eliminated.  Taking time to speak with an experienced bankruptcy attorney for a free consultation is highly recommended so that you may gain the information needed to make an educated decision about filing for bankruptcy and to see what you qualify for.  Bankruptcy may or may not be in your best interest.  Call today to schedule a free consultation to find out your options.  We can help! 614-934-1544

Other Ways an Experienced Bankruptcy Attorney Can Help You Other Than Filing Bankruptcy

There are many ways an experienced bankruptcy attorney can help you other than filing bankruptcy.  An experienced bankruptcy attorney is not only a legal professional, but also a financial specialist.  The following are ways an experienced bankruptcy attorney can help you other than filing bankruptcy:

  • Financial Planning
  • Credit Restoration
  • Debt Settlement
  • Foreclosure / Sheriff Sale
  • Lawsuit / Wage Garnishment
  • Vehicle Repossession
  • Utility Disconnection
  • Eviction
  • Stop Creditor Harassment

There are many ways an experienced bankruptcy attorney can help you rather it be filing a bankruptcy for you or giving you solid guidance as to how to resolve a difficult financial situation.  The friendly Law Office of M. Sean Cydrus would like to invite you to contact us for a free consultation to explore your options with bankruptcy and other avenues that may be beneficial. Help is just one phone call away! 614-934-1544

Call Today to Schedule a Free 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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Can I File Chapter 7 Bankruptcy in Ohio If I Am On a Fixed Income?

There are many factors that determine your eligibility to file for bankruptcy.  Some of the factors that determine your eligibility to file for bankruptcy include household income, equity in assets, and prior bankruptcy filings.  Most Americans in Ohio living off a fixed income such as social security, disability, or a pension typically do not have a problem filing for Chapter 7 bankruptcy.  Scheduling a free consultation with an experienced bankruptcy attorney is highly recommended so that you can find out how bankruptcy relates to your unique situation and to see if you qualify.

Benefits Received From Filing Bankruptcy in Ohio

What Debts Can I Eliminate When Filing For 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

If you are on a fixed income and struggling to make minimum payments or have an overabundance of debt, bankruptcy may be the best option for you.  Bankruptcy can help you get a fresh start and often will better your credit by eliminating negative accounts.  An experienced bankruptcy attorney can help you file your bankruptcy and can also give you solid advice as to how to increase your credit score before and after bankruptcy.

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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Happy 4th of July From The Law Office of M. Sean Cydrus!

The Law Office of M. Sean Cydrus would like to wish everyone a happy and safe 4th of July weekend. We hope that your day is filled with happiness and love. We would also like to give thanks to all of the current and past veterans that have served our country.  We appreciate the dedication and sacrifice made to give us the freedoms we have today!

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 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

Click here to submit a question or to request a free bankruptcy consultation! 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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Getting a Divorce and Need to File Bankruptcy in Columbus, Ohio. Should I File a Bankruptcy Before or After Divorce?

There are times when a married couple needs to file bankruptcy and also seeking a divorce, dissolution, legal separation, or an annulment.   If you and your spouse want to get a divorce and file bankruptcy, the first step is to find out if it would be better to file the bankruptcy before or after the divorce.  Getting the bankruptcy out of the way first will help you when filing the divorce paperwork.  When you file for a divorce there is the allocation of debts section that outlines who is responsible to pay what.  If you file the bankruptcy before the divorce, the debts will be eliminated already through the bankruptcy and that portion of the divorce will already be resolved saving you time and money.  Filing bankruptcy before the divorce will also make sure that you or your spouse won’t get stuck paying on debts down the road that would be typically discharged or eliminated in bankruptcy.  Speaking with an Experienced Columbus Ohio Bankruptcy Attorney would be a good idea so that you may find out if you qualify for bankruptcy and to also find out how bankruptcy relates to your unique situation.  We invite you to contact us for a free consultation. Help is just one phone call away! 614-934-1544

Debts That You Can Eliminate When Filing Bankruptcy in Ohio

  • 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 Bankruptcy Can Help You and Your Family!

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