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Options with Your Car and House When Filing Bankruptcy in Columbus Ohio

When you file bankruptcy in Ohio, you have options.  When it comes to a house or car, there are exemptions in Ohio that will protect your assets.  Many Americans living in Ohio file bankruptcy because they are behind in mortgage or vehicle payments.  You can file bankruptcy in Ohio as a legal strategy to stop a foreclosure or vehicle repossession.  Just because you file bankruptcy to eliminate outstanding debts to restore your credit doesn’t mean that you will lose a house or car.  The truth of the matter is that you can file bankruptcy to eliminate your debts and still keep what you want.  You can pick or choose what you want to do with your assets rather you want to keep them or let them go.

Options with Your House When Filing Bankruptcy in Ohio

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 your bankruptcy so that you can pick and choose what you want to keep and what you want to let go.  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

Options with Your Vehicle When Filing Bankruptcy in Ohio

Filing bankruptcy CAN help with a vehicle repossession and WILL STOP the creditor from selling your vehicle if it has already been repossessed.  Once you file bankruptcy, legally the creditor will not be able to repossess your vehicle or sell it at auction according to Federal law.  There are many options available to you when you file a Chapter 7 or Chapter 13 bankruptcy in Ohio.  You can file bankruptcy to eliminate your debts to restore your credit and still keep your vehicle.  Bankruptcy can help you if you are behind in your vehicle payments and you want to keep your vehicle.  Filing bankruptcy can get a vehicle back from repossession or keep it from getting repossessed.  Filing bankruptcy will eliminate the debt owed from a repo if you want to get rid of the vehicle or if it has already been auction off.  An experienced Columbus Ohio Bankruptcy Attorney will be able to look out for your best interest and take immediate action when time is of the essence.  We invite you to contact our office for a free consultation to discuss your options with your vehicle 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

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Filing Bankruptcy to Stop a Sheriff Sale in Franklin County Ohio

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 home 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. Call 614-934-1544 to schedule a free consultation with an experienced bankruptcy attorney in Columbus, Ohio.  The friendly Law Office of M. Sean Cydrus cares and will fight for your rights to ensure that you reach the optimum results possible.  

My House is Scheduled for Sheriff Sale in Franklin County Ohio, 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. 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 

My House is in Foreclosure in Franklin County Ohio 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 in one lump sum payment and won’t settle for less. 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 a sheriff sale by Federal law. Filing Chapter 13 bankruptcy will also eliminate most of your 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. Help is just one phone call away! 614-934-1544 

My House is in Foreclosure in Franklin County Ohio and I Don’t Want to Keep the House

Filing Chapter 7 bankruptcy would be a good idea if keeping the house is not an option you would like to explore. Sometimes it is best to file a Chapter 7 bankruptcy to eliminate the debt owed from a foreclosed property along with other debts such as credit cards, medical bills, utility bills, personal loans, and items sent to third-party collections. Filing Chapter 7 bankruptcy would be a worth looking at if your property is worth less than what you owe on the loan or if the property needs an amount of work that you simply do not have the funds or resources for. If your property becomes more of a money pit than an investment, filing Chapter 7 bankruptcy may be the best option for you.  Call 614-934-1544 to schedule a free consultation with an experienced attorney to explore your options with your home.  Help is just one phone call away! 614-934-1544

What Debts Can I Eliminate by Filing 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
• Some Tax Debt 

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 

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Need to Stop a Wage Garnishment 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 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 bankruptcy consultation in Columbus, Ohio. Call 614-934-1544 to schedule a free consultation with an experienced Columbus Ohio Bankruptcy Attorney who cares that will fight for your rights to ensure that you are protected! Help is just one phone call away! 614-934-1544

How Do I Know if My Wages are Going to Be Garnished in Franklin County?

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.

A Lawsuit Was Filed Against Me in Franklin County Ohio Because of a Car Accident. Can Bankruptcy Stop the Wage Garnishment AND Get My Driver’s License Reinstated in Ohio? 

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

What Debts Can I 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

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

As your legal representation we will immediately take all creditor calls, respond to lawsuits and wage garnishments, promptly return your calls and emails, and treat you with the respect, dignity and sensitivity you deserve! Help is just one phone call away! 614-934-1544

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Filing Bankruptcy in Columbus Ohio to Get Driver’s License Reinstated in Franklin County

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.

I was Involved in a Car Accident. Can Filing Bankruptcy Get My Driver’s License Back from Suspension and Stop a Wage Garnishment from a Lawsuit Filed Against Me?

YES, bankruptcy can help!  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. Sometimes the car insurance policy does not cover the entire bill and you can be left with a payment amount that would be next to impossible to pay. The situation can become even worse if there is no insurance on the vehicle at the time of the accident. If the person responsible for the auto accident is unable to pay the debt owed from the accident, 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 lawsuit, stop a wage garnishment, and allow you to get your driver’s license back from suspension.  Call today to schedule a free bankruptcy consultation with an experienced bankruptcy attorney that cares! 614-934-1544

How Does Bankruptcy Stop a Wage Garnishment in Franklin County Ohio?

Filing bankruptcy will automatically stop a wage garnishment.  As soon as your bankruptcy petition is filed, legal documentation will be sent to the necessary parties and the wage garnishment will stop immediately by Federal law.  Filing bankruptcy will stop a lawsuit from beginning and continuing.  Filing bankruptcy will stop or cease all creditor collection efforts against you.  When you file bankruptcy, most of your debts will be eliminated.  Essentially, the creditor will not be able to collect on a debt that is no longer there.  For more information about filing bankruptcy or how to stop a wage garnishment call 614-934-1544!  Help is just one phone call away!

Debts Eliminated 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

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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Why You May Have Better Financing Options after Filing Bankruptcy in Ohio

Many Americans living in Ohio file a Chapter 7 or Chapter 13 bankruptcy as a way to restore their credit.  If you are struggling to make minimum payments on your bills or have an abundant amount of debt you know you won’t be able to pay off, bankruptcy may be the best option for you.  If you are not able to get financed now, you could file bankruptcy as a strategic business decision so you can get approved for a loan.  Bankruptcy can also help you get approved for an apartment.  The reason why someone would be denied for a loan or an apartment is because of past due debts that are not getting paid that are lingering on a credit report.  What bankruptcy would do is eliminate the past due debts that bring down someone’s credit score and bankruptcy would create the ability to get financed or approved for an apartment.  The reason why you would have better financing options after bankruptcy is because you will be debt free, your debt-to-income ratio will be better, and you will have more disposable income available at the end of the month.  Lenders will beg to have your business after bankruptcy because you will be debt free and assured that a bankruptcy won’t be filed in the near future for a Chapter 7 bankruptcy can only be filed once every 8 years.

How Do I Learn More About Filing Bankruptcy in Ohio?

You can learn more about filing bankruptcy by speaking with an experienced bankruptcy attorney at a free consultation.  Scheduling a free bankruptcy consultation with an experienced bankruptcy attorney would be a good idea to see what legal options are available to you and also to see how bankruptcy would help your unique situation.  An experienced bankruptcy attorney can tailor a bankruptcy around the unique wants and needs of you and your family in order to reach the optimum results possible.  The great thing about a free consultation is that it is free.  If you are thinking about filing bankruptcy or actively trying to resolve a difficult financial situation, we invite you to contact us for a free consultation.  We understand the stress of financial worry and are here to help you through this difficult time.  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

You can now find us on Facebook!