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Eliminating a Second Mortgage When Filing Bankruptcy in Ohio

There are many debts that you can be eliminated by filing a Chapter 7 or Chapter 13 bankruptcy in Ohio.  One of the debts that you can be eliminated in a bankruptcy filing is a second mortgage or a home equity line of credit.  In order to eliminate the second mortgage or home equity line of credit the first mortgage must be more than the fair market value of the house.  Essentially, if you are upside-down or underwater in your first mortgage then the second mortgage or line of credit will be eliminated through a Chapter 7 or Chapter 13 bankruptcy filing.  If you are struggling to make your mortgage(s) payments or threatened with a foreclosure or sheriff sale, bankruptcy may be the best option for you.  For more information as to how bankruptcy can help you and your family call 614-934-1544 to schedule a free consultation with an experienced bankruptcy attorney that cares about you that can help.  What you can expect from a free bankruptcy consultation with The Law Office of M. Sean Cydrus is compassion, understanding, and solid legal advice.  Help is just one phone call away! 614-934-1544

I Received a Complaint for Foreclosure in Franklin County Ohio.  How Can Filing Bankruptcy Help With a Foreclosure in Ohio?

You probably have 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 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 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 with a foreclosure or sheriff sale. Help is just one phone call away! 614-934-1544

I Received a Notice of Sheriff Sale to Auction My Property.  How Can Filing Bankruptcy Help With a Sheriff Sale in Ohio?

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

Benefits That Come Along With Filing a Chapter 7 or Chapter 13 Bankruptcy in Ohio 

The following is a list of benefits received from 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
  • Lower Interest Rate for Vehicle Loan
  • Lower Total Balance on Vehicle Loan to Fair Market Value
  • Stop a Utility Disconnection
  • Get Driver’s License Back From Suspension
  • Restore and Rebuild Credit
  • Help Get Financed For a Vehicle
  • Help Get Approved for an Apartment
  • Stall an Eviction

Debts Eliminated When Filing Bankruptcy in Ohio

The following is a list of debts that CAN BE ELIMINATED when filing a Chapter 7 or Chapter 13 bankruptcy in Ohio:

  • Credit Cards
  • Medical Bills
  • Personal Loans
  • Cash Advances or Payday Loans
  • Personal Loans
  • Overdraft Checking Accounts
  • Utility Bills
  • Bills Sent to Collection Companies
  • Debt Owed From a Foreclosed Home
  • Second Mortgage or Home Equity Line of Credit
  • Debt Owed From Repossessed Vehicles
  • Evictions
  • Attorney Fees
  • Reinstatement Fees
  • Some Tax Debt

What You Can Expect From a Free Consultation with The Law Office of M. Sean Cydrus

What you can expect from a free bankruptcy consultation with The Law Office of M. Sean Cydrus is compassion, understanding, and solid legal advice.  Scheduling a free bankruptcy consultation is a great idea to see what your options are rather it be bankruptcy or other avenues. At the consultation you will find out if bankruptcy is right for you and also see how your unique situation relates to both Chapter 7 and Chapter 13 bankruptcies.  Both types of bankruptcy have their own added benefits.  There will be an evaluation or full synopsis of your situation to determine your eligibility to file bankruptcy and a determination as to what course of action would be in your best interest in order to reach the optimum results possible.  The Law Office of M. Sean Cydrus cares about you and never hesitates to take immediate action when time is of the essence.  If you need help filing bankruptcy or just need some guidance as to how to better your 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.  Call 614-934-1544 to schedule a free bankruptcy consultation with an experienced bankruptcy attorney that cares about you that can help. 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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Get Rid of Most of Your Debt When Filing Bankruptcy in Ohio

You may be one of many Americans living in Ohio thinking about filing bankruptcy.  Filing bankruptcy can help if you are struggling to make minimum payments on your bills or have an abundant amount of debt that you know you won’t be able to pay off in a reasonable amount of time.  Filing bankruptcy can also help with a lawsuit, wage garnishment, foreclosure, sheriff sale, vehicle repossession, utility disconnection, and getting driver’s license reinstated because of a suspension.  Filing a Chapter 7 or Chapter 13 bankruptcy in Ohio will eliminate most of your debts and can help rebuild credit to help with financing options.  Many Americans living in Ohio file bankruptcy so they can get financed for a vehicle, get approved for an apartment, or so that they can open a checking account.  There are many ways bankruptcy can help.  An experienced Columbus Ohio Bankruptcy Attorney will be able to conduct of full synopsis of your financial situation and can tailor a bankruptcy around the unique wants and needs of you and your family.  Call 614-934-1544 to schedule a free bankruptcy consultation with an experienced bankruptcy attorney that cares about you that can help.  The Law Office of M. Sean Cydrus understands the stress of financial worry and is here to help you through this difficult time.  Help is just one call away! 614-934-1544

What Debts Can I Eliminate When Filing Bankruptcy in Ohio?

The following is a list of debts that you CAN ELIMINATE when filing a Chapter 7 or Chapter 13 bankruptcy in Ohio:

  • Credit Cards
  • Medical Bills
  • Personal Loans
  • Cash Advances or Payday Loans
  • Personal Loans
  • Overdraft Checking Accounts
  • Utility Bills
  • Bills Sent to Collection Companies
  • Debt Owed From a Foreclosed Home
  • Second Mortgage or Home Equity Line of Credit
  • Debt Owed From Repossessed Vehicles
  • Evictions
  • Attorney Fees
  • Reinstatement Fees
  • Some Tax Debt

What Debts are Not Eliminated in Bankruptcy?

The following is a list of debts that you CAN’T ELIMINATE when filing a Chapter 7 or Chapter 13 bankruptcy is Ohio:

  • Student Loans
  • Domestic Support (child & spousal support)
  • Court Tickets (speeding ticket, DUI, disorderly conduct, ect.)

Can I Keep my Car and House After I File My Bankruptcy?

YES, you CAN file a Chapter 7 or Chapter 13 bankruptcy in Ohio and still keep your house and car.  There are Ohio exemptions that will protect your assets such as a house and car and at the same time will eliminate most of your debts.  When you file bankruptcy, you can pick and choose what you want to keep or give up.  You have the option to walk away from a mortgage or vehicle loan or to maintain payments. Filing bankruptcy can help if you are behind in a mortgage or vehicle loan. Filing bankruptcy will stop a foreclosure, vehicle repossession, and sheriff sale by Federal law.  For more information about how bankruptcy can help or to schedule a free consultation call 614-934-1544.  Help is just one phone call away! 614-934-1544

What Happens to My Credit After Filing Bankruptcy?

Your credit is like the scales of justice.  On one side you have the bills or debts you are paying on.  On the other side are defaulted debts or bills that are paid late.  Whatever side is heavier, that is the direction your credit goes month after month.  Filing bankruptcy is like hitting the reset button.   Since after bankruptcy you will be debt free that means that anything you make payments on will bring up your credit score.  After bankruptcy your debt-to-income ratio will be better since you are debt free.  This helps tremendously because it shows the lender that you can afford the payments on whatever it is you are trying to get financed for rather it is a house or vehicle.  Most people who file bankruptcy in Ohio their credit score will increase by an average of 125 points after the bankruptcy simply just from eliminating the negative accounts shown on the Experian, Equifax, and TransUnion credit reports.  For more information or to schedule a free bankruptcy consultation call 614-934-1544.  The Law Office of M. Sean Cydrus understands the stress of financial worry and uses a personal approach to solving your financial challenges.  Through compassion and understanding we ensure that your rights are protected and never hesitate to take immediate action when time is of the essence.  Help is just one phone call away! 614-934-1544

What Benefits Does Chapter 7 and Chapter 13 Bankruptcy Offer?

The following is a list of benefits received from 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
  • Lower Interest Rate for Vehicle Loan
  • Lower Total Balance on Vehicle Loan to Fair Market Value
  • Stop a Utility Disconnection
  • Get Driver’s License Back From Suspension
  • Restore and Rebuild Credit
  • Help Get Financed For a Vehicle
  • Help 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

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Benefits to Hiring an Experienced Attorney to File Your Bankruptcy in Ohio

There are many benefits to hiring an experienced attorney to file your bankruptcy.  An experienced bankruptcy attorney will be able to ensure that your case gets filed correctly and will be able to make sure that the proper notices will be sent to the necessary parties.  Hiring an experienced bankruptcy attorney to file your bankruptcy will guarantee that someone will be looking out for your best interest.  In Ohio there are exemptions that will protect assets such as vehicles, real estate, and retirement accounts.  An experienced bankruptcy attorney will be able to take the necessary legal action to eliminate your debts and at the same time can file the proper legal documentation to allow you to keep something you want to keep and let go something you don’t want anymore.  Scheduling a free bankruptcy consultation with an experienced bankruptcy attorney in Columbus, Ohio would be a good idea if you are contemplating filing bankruptcy or actively trying to resolve a difficult financial situation.  An experienced Columbus Ohio Bankruptcy Attorney will be able to determine your eligibility to file bankruptcy and will also be able to explore other options that may be beneficial.  The Law Office of M. Sean Cydrus cares and will fight to ensure that your rights are protected.  To schedule a free bankruptcy consultation call 614-934-1544.  Help is just one phone call away! 614-934-1544

What to Expect at a Free Bankruptcy Consultation?

What you can expect from a free bankruptcy consultation with The Law Office of M. Sean Cydrus is compassion, understanding, and solid legal advice.  Scheduling a free bankruptcy consultation is a great idea to see what your options are rather it be bankruptcy or other avenues. At the consultation you will find out if bankruptcy is right for you and also see how your unique situation relates to both Chapter 7 and Chapter 13 bankruptcies.  Both types of bankruptcy have their own added benefits.  There will be an evaluation or full synopsis of your situation to determine your eligibility to file bankruptcy and a determination as to what course of action would be in your best interest in order to reach the optimum results possible.  The Law Office of M. Sean Cydrus cares about you and never hesitates to take immediate action when time is of the essence.  If you need help filing bankruptcy or just need some guidance as to how to better your 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.  Call 614-934-1544 to schedule a free bankruptcy consultation with an experienced bankruptcy attorney that cares about you that can help. Help is just one phone call away! 614-934-1544

Debts That Can Be 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

Benefits Received From 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
  • Lower Interest Rate for Vehicle Loan
  • Lower Total Balance on Vehicle Loan to Fair Market Value
  • Stop a Utility Disconnection
  • Get Driver’s License Back From Suspension
  • Restore and Rebuild Credit
  • Help Get Financed For a Vehicle
  • Help 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

You can now find us on Facebook!

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How Can Filing Chapter 7 Bankruptcy in Ohio Stop a Wage Garnishment?

Many Americans living in Ohio are looking at bankruptcy to prevent or stop a wage garnishment.  Filing bankruptcy in Ohio automatically stops a wage garnishment by Federal law.  Filing bankruptcy in Ohio will stop or cease all creditor collection efforts against you including stopping a lawsuit from beginning or continuing.  When you file bankruptcy, most of your debts are eliminated.  Once you file bankruptcy, the creditor can’t garnish your wages anymore because the debt the creditor sued over is eliminated.  Essentially, the creditor can’t collect on a debt that technically no longer exists after a bankruptcy filing.  If you have been sued and facing a wage garnishment, bankruptcy may be the best option for you.  Call 614-934-1544 to schedule a free consultation with an experienced bankruptcy attorney that cares about you that can help.  The Law Office of M. Sean Cydrus understands the stress of financial worry and never hesitates to take immediate action when time is of the essence ensuring that your rights are protected.  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

Will Filing Bankruptcy in Ohio Stop a Wage Garnishment?

YES, filing bankruptcy in Ohio will stop a wage garnishment by Federal law. As soon as your bankruptcy petition is filed, legal documentation will be sent to the necessary parties giving them notice that a bankruptcy has been filed and that the wage garnishment must be stopped immediately. Filing bankruptcy will stop a wage garnishment and will also eliminate most debts such as credit cards, medical bills, personal loans, utilities, and bills sent to third-party collections.  It is important that once you have received notification of a lawsuit, judgment, or wage garnishment that you take immediate action.  If you need help resolving a lawsuit and considering filing bankruptcy, we would like to invite you to contact us for a free consultation.  We take a personal approach to solving your financial challenges and never hesitate to take immediate action when time is of the essence.  Help is just one phone call away! 614-934-1544

I Received a Summons and Complaint in the Mail From Franklin County Municipal Court

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 then will also be able to take money out of your bank accounts or attach liens to your property.  Filing a Chapter 7 or Chapter 13 bankruptcy in Ohio will stop the lawsuit by Federal law and will prevent any further garnishment efforts against you.  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 and will ensure that your rights are protected.  Help is just one phone call away! 614-934-1544

I Received a Notice of Court Proceeding to Collect Debt Giving 15 Days to Avoid Garnishment

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.  The Law Office of M. Sean Cydrus will fight for your rights and won’t hesitate to act quickly and efficiently when time is of the essence.  We take a personal approach to solving your financial challenges and are here to help you through this difficult.  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 reinstated. You can even eliminate the reinstatement fees when you go to the BMV to get your driver’s license back after you file your 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

Debts That Can Be Eliminated When Filing Chapter 7 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

You can now find us on Facebook!

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Rebuilding Your Financial Future by Filing Bankruptcy in Ohio

Many Americans living in Ohio are filing bankruptcy to rebuild their financial future.  Bankruptcy doesn’t just eliminate most debts.  Bankruptcy can also increase your credit score.  Most people who file bankruptcy in Ohio their credit score will increase by an average of 125 points after the bankruptcy simply just from eliminating the negative accounts shown on the Experian, Equifax, and TransUnion credit reports.  There are also other ways bankruptcy can help you financially.  Bankruptcy can help with a lawsuit, wage garnishment, foreclosure, vehicle repossession, and utility disconnection. Filing a Chapter 7 or Chapter 13 bankruptcy in Ohio will give you protection under the Federal government and can help you rebuild your financial future.

Can I Buy a House or Car After Filing Bankruptcy?

YES, you CAN buy a house or car after filing bankruptcy.  Many Americans living in Ohio file bankruptcy to restore their credit so that they can get financed for a car, house, or a business loan.  Filing bankruptcy in Ohio can even help someone get approved for an apartment.  The reason for this is because when you file bankruptcy, you will then be debt free.  If you are debt free the lender sees that you can afford the payments on whatever it is you want to get financed for and the debt-to-income ratio looks a lot better.  They also know that once someone files bankruptcy, they can’t file again for a long time which guarantees that the lender will get paid rather it is from satisfying the loan amount or winning a judgment to garnish wages.  If you are considering filing bankruptcy or actively trying to resolve a difficult financial situation, we would like to 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.  Call 614-934-1544 to speak with an experienced bankruptcy attorney that can help! 614-934-1544

Benefits Received From 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
  • Lower Interest Rate for Vehicle Loan
  • Lower Total Balance on Vehicle Loan to Fair Market Value
  • Stop a Utility Disconnection
  • Get Driver’s License Back From Suspension
  • Restore and Rebuild Credit
  • Help Get Financed For a Vehicle
  • Help Get Approved for an Apartment
  • Stall an Eviction

Debts That Can Be 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 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

You can find us on Facebook!