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Getting a Credit Report When Deciding to File Bankruptcy in Ohio

The first step to rebuilding your credit is pulling your credit reports.  Getting a credit report will allow you to see what creditors or lenders see when you try to get financed.  Credit reports won’t include all of your debts, but will show credit cards, personal loans, judgments from lawsuits, and bills sent to third-party collections.  Bills such as medical and utilities usually will not show on the credit report unless there was an unpaid balance that was sold off to collections.  You may already have a complete list of your debts or bills, but it is still important to pull a credit report once a year just to make sure there aren’t any old debts lingering out there that you don’t know of bringing down your credit score month after month.  If you need help rebuilding your credit and considering bankruptcy, we invite you to contact us for a free consultation. We pride ourselves on the ability to provide our legal expertise with compassion and understanding.  We use a personal approach to solving your financial challenges and are here to help you through this difficult time.  Help is just one phone call away! 614-934-1544

How Do I Get a Free Credit Report in Ohio?

There are many ways you can get a credit report for free.  The easiest and fasted way to pull a credit report for free is by going to annualcreditreport.com.  All you have to do is enter your personal information including name, address, and social security number.  You then will be prompted to answer 4 security questions only you will know to prevent fraud and for privacy reasons.  The questions will ask if you ever lived at a certain address or had an account with a certain creditor.  As long as you get the questions right, you will then be prompt to a page where you can obtain all three credit reports.  You may obtain the Experian, Equifax, and Transunion.  You can also call them at 1-877-322-8228 and they will mail them to you within 15 days.

How Does Filing Bankruptcy in Ohio Increase Your Credit Score?

If you have negative accounts on your credit report that you are unable to pay, bankruptcy may be the best option for you to increase your credit score and better your financing options.  Your credit is like the scales of justices.  The bills you pay on increase your credit score.  Bills that are late, unpaid, or in collections bring your credit score down.  Whatever side is greater; your credit will go that direction month after month.  What bankruptcy does is eliminate all of the negative accounts on your credit.  After bankruptcy you will see your credit skyrocket because your debt-to-income ratio will be better and all negative accounts will be eliminated.  That means that bills you pay on a monthly basis will contribute positively to your credit reporting increasing your credit score month after month.

What Debts Can I Eliminate By 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
  • Tax Debt

Can You Keep a House or Car When Filing Bankruptcy in Ohio?

You CAN keep a car or house when filing a Chapter 7 or Chapter 13 bankruptcy in Ohio.  There are exemptions in Ohio that protect your assets such as vehicles, real estate, and retirement.  Bankruptcy can even help if are behind in mortgage or vehicle payments.   Filing bankruptcy will stop a foreclosure, sheriff sale, and vehicle repossession by Federal law.  Bankruptcy doesn’t only help you eliminate outstanding debts that you cannot afford to pay, but can also help you get current on payments for assets you want to keep and still pay on.  If you have questions about filing bankruptcy or actively trying to resolve a difficult financial situation, we invite you to contact us for a free 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

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How Can Filing Bankruptcy in Ohio Help You Financially?

There are many ways filing bankruptcy can help you financially.  Filing bankruptcy can help you restore your credit by eliminating most debts or bills owed and can even be used to resolve most difficult financial situations.  There are many ways filing a Chapter 7 or Chapter 13 bankruptcy can help you and your family financially.  Knowing what your rights are when dealing with creditors is essential so that you don’t get taken advantage of.  It is also important to take immediate action if you receive threatening letters from creditors or legal documentation from a court.  There are often deadlines in which you have to meet before creditors can garnish wages, take money out of bank accounts, or attach liens to property.  If you are thinking about filing bankruptcy or actively trying to resolve a difficult financial situation, call today for a free consultation.  We pride ourselves on the ability to provide our legal expertise with compassion and understanding.  We use a personal approach to solving your financial challenges and are here to help you through this difficult time.  Help is just one phone call away! 614-934-1544

Ways Bankruptcy Can Help You and Your Family Financially

•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

I Have a Sheriff Sale Scheduled on My Home, Can Bankruptcy Help?

Filing a Chapter 7 or Chapter 13 bankruptcy in Ohio will stop a foreclosure and sheriff sale by Federal law. Filing bankruptcy can help you gain back control of what could be taken away from you. At the end of a foreclosure process there will be a sheriff sale on the real estate.  If nothing is done before the sheriff sale date, the property will be lost and then there will be nothing you can do.  Filing a Chapter 13 bankruptcy can help you put an end to the foreclosure by helping you get current on your mortgage payments if you would like to keep your home. If you don’t want to keep the property, filing a Chapter 7 bankruptcy will eliminate the debt owed from a foreclosed home along with most of your other debts such as credit cards, medical bills, personal loans, utility bills, and items sent to third-party collections. There are many other ways bankruptcy can help. Call today for a free bankruptcy consultation! Help is just one phone call away! 614-934-1544

There was a Lawsuit Filed Against Me, Can Filing Bankruptcy Prevent My Wages From Becoming Garnished?

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 for a free bankruptcy consultation! Help is just one phone call away! 614-934-1544

A Lawsuit Was Filed Against Me Because of a Car Accident. Can Bankruptcy Stop the Wage Garnishment AND Get My Driver’s License Back from Suspension?

YES, filing bankruptcy will not only stop a wage garnishment, but can also help you get your driver’s license back from suspension. If you were involved in an auto accident and were uninsured or underinsured, the insurance company will usually file a lawsuit against you to recover the debt owed from the accident. The insurance company will attempt to garnish your wages and can even suspend your driver’s license until the debt is paid in full. Filing bankruptcy will eliminate the debt owed from the auto accident and will also stop a wage garnishment and get your driver’s license back. You can even eliminate the reinstatement fees when you go to the BMV to get your driver’s license back after you file bankruptcy. For more information about how bankruptcy can help you, contact us for a free consultation. Help is just one phone call away! 614-934-1544

Can Bankruptcy Help If I Am Behind in My Car Payments?

Yes, 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 may be the best option for you if you are behind in your vehicle payments and you want to keep the vehicle. Filing a Chapter 13 bankruptcy can help if your vehicle has already been repossessed and you want to get the vehicle back from repossession. 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 owed. Call today for a free bankruptcy consultation! Help is just one phone call way! 614-934-1544

How Can Bankruptcy Help With Utility Disconnection?

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 most of your other debts. After a utility bill gets so high, the utility company will send you a notice to shut off 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 if the utilities have already been turned off. Call today for a free bankruptcy 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

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Speaking With an Experienced Bankruptcy Attorney in Columbus Ohio

If you are contemplating filing bankruptcy or actively trying to resolve a difficult financial situation, an experienced Columbus Ohio Bankruptcy Attorney can help.  An experienced bankruptcy attorney is not only a financial advisor, but also a legal professional that can take the necessary legal action to reach the optimum results possible.  An experienced bankruptcy attorney will be able to conduct a full synopsis of your situation and lay out every legal option available to you under the applicable law.  An experienced bankruptcy attorney will not only be able to help you file bankruptcy, but can also help you explore other avenues that may be beneficial.  If you are struggling to make minimum payments on your bills or actively trying to resolve a difficult financial situation, we invite you to contact us for a free consultation.  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.  Help is just one phone call away! 614-934-1544

Benefits Received by 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

What Debts Can I Eliminate by Filing a Chapter 7 or Chapter 13 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
  • Tax Debt

How Do I Know if I Should File Bankruptcy?

After speaking with an experienced Columbus Ohio Bankruptcy Attorney at a free consultation, you will have all the information needed to make an educated decision about filing bankruptcy.  An experienced bankruptcy attorney will be able to determine your eligibility to file bankruptcy and can also help you with alternatives that may be beneficial.  A bankruptcy attorney can help you with financial planning and credit restoration.  If you are struggling financially, call today to schedule a free consultation with a compassionate attorney who cares about you that can help. 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

You can now find us on Facebook!