Law Offices of M. Sean Cydrus, LLC

Differences Between Chapter 7 and Chapter 13 Bankruptcy in Ohio

Elizabeth — Fri, 18 May 2012 16:34:45 +0000

There are many benefits to filing bankruptcy. Both Chapter 7 and Chapter 13 bankruptcies have their own benefits. Filing Chapter 7 bankruptcy is what most people envision of when they think about bankruptcy. It is when most of your debts are discharged such as medical bills, credit cards, personal loans, utility bills, and items sent to third-party collections. You can also discharge other debts such as a foreclosed home, repossessed vehicles, and evictions. There are only a couple things that you may have to pay back such as student loans, back taxes, and domestic support.

Filing Chapter 13 bankruptcy is what most people envision of as a debt consolidation through the Federal government. The benefits of filing a Chapter 13 bankruptcy are that you may keep a house if you are behind in your mortgage payments, get a car back from repossession, and could pay pennies on the dollar on your other bills with a payment you can afford each month with the amount of income you are making. Filing a Chapter 7 or Chapter 13 bankruptcy will automatically stop a wage garnishment, foreclosure, sheriff sale, vehicle repossession, and utility disconnection. Filing bankruptcy can help you protect your assets while getting a fresh start on your bills.

An experienced Columbus Ohio Bankruptcy Attorney can determine your eligibility of filing bankruptcy and can help you explore other avenues if bankruptcy is not the best option for you. Legal counsel will ensure that your rights are protected and that someone is looking out for your best interest. 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!

Filing Bankruptcy to Stop Wage Garnishment in Ohio

Elizabeth — Fri, 18 May 2012 15:43:56 +0000

Finding out that your wages are going to get garnished can be a frightening prospect. Trying to find enough money left over each month to buy food & gas is hard enough. Times can become even more difficult when your wages are getting garnished. 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. It is important that once you receive notice of a lawsuit or garnishment that you take immediate action.

Filing a Chapter 7 or Chapter 13 bankruptcy will discharge most of your debts such as medical bills, credit cards, personal loans, utility bills, and items sent to third-party collections. One benefit of filing bankruptcy is that by simply filing your case you can stop a wage garnishment, foreclosure, sheriff sale, vehicle repossession, and utility disconnection. Filing bankruptcy can help you protect your assets while getting a fresh start on your bills.

Filing Chapter 13 Bankruptcy to Stop Foreclosure in Ohio

Elizabeth — Fri, 18 May 2012 15:00:45 +0000

Home foreclosure is a prominent issue that worries many homeowners. The thought of losing one’s most valuable asset can be terrifying. Calls to banks often go unreturned and loan modifications are often denied. What is one to do when the banks are not willing to work with you? Many homeowners are filing a Chapter 13 bankruptcy to save their home from foreclosure.

Filing a Chapter 13 bankruptcy is what most people envision of as a debt consolidation through the Federal government. Some of the benefits of filing a Chapter 13 bankruptcy is that you may be able to keep your house out of foreclosure, get a car back from repossession, and could pay pennies on the dollar on your unsecured debts with a payment you can afford. Filing a Chapter 13 bankruptcy gets you protection under the Federal government unlike the debt consolidation programs you hear about on television or the radio.

Filing a Chapter 7 or Chapter 13 personal bankruptcy will discharge most of your debts such as medical bills, credit cards, personal loans, utility bills, and items sent to third-party collections. One benefit of filing bankruptcy is that by simply filing your case you can stop a wage garnishment, foreclosure, sheriff sale, vehicle repossession, and utility disconnection. Filing bankruptcy can help you protect your assets while getting a fresh start on your bills.

Filing Bankruptcy Because of a Foreclosure in Ohio

Elizabeth — Thu, 17 May 2012 01:07:09 +0000

Getting served a foreclosure notice in the mail can be terrifying. There is no question that your home is one of your most valuable assets. It is hard to believe that something you worked so hard for can be taken from you. It is important to understand that you have rights that you can act upon to prevent the home from being sold at sheriff sale. Filing a Chapter 13 bankruptcy would be ideal if you are behind in your mortgage payments and you would like to keep the house. Filing a Chapter 7 bankruptcy would be ideal if you are current in your mortgage payments and would like to discharge other debts such as credit cards, medical bills, personal loans, utility bills, and items sent to third-party collections.

Filing a Chapter 7 or Chapter 13 personal bankruptcy will discharge most of your debts such as medical bills, credit cards, personal loans, utility bills, and items sent to third-party collections. You can also discharge other debts such as a foreclosed home, repossessed vehicles, and evictions. One benefit of filing bankruptcy is that by simply filing your case you can stop a wage garnishment, foreclosure, sheriff sale, vehicle repossession, and utility disconnection. Filing bankruptcy can help you protect your assets while getting a fresh start on your bills.

Filing Bankruptcy Because of Credit Cards in Ohio

Elizabeth — Thu, 17 May 2012 00:31:05 +0000

Paying off credit cards can be difficult with high interest rates from credit card companies. Minimum payments send you in the wrong direction only increasing your total debt instead of decreasing the total amount owed. Times can become even more difficult when you are struggling to make minimum payments. Chances are you probably have paid off what you have borrowed, but still trying to pay off interest and late fees that accrue daily. If you cannot see yourself ever being able to pay off your total debt with the amount of income you make each month, bankruptcy may be the best option for you. Bankruptcy is an option available under the Federal government that would allow you to get a fresh start on your bills.

Filing a Chapter 7 or Chapter 13 bankruptcy will discharge most of your debts such as credit cards, medical bills, personal loans, utility bills, and items sent to third-party collections. You can also discharge other debts such as a foreclosed home, repossessed vehicles, and evictions. One benefit of filing bankruptcy is that by simply filing your case you can stop a wage garnishment, foreclosure, sheriff sale, vehicle repossession, and utility disconnection. Filing bankruptcy can help you protect your assets while getting a fresh start on your bills.

An experienced Ohio Bankruptcy Attorney can determine your eligibility of filing bankruptcy and can help you explore other avenues if bankruptcy is not the best option for you. Legal counsel will ensure that your rights are protected and that someone is looking out for your best interest. 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!

Filing Bankruptcy Because of Medical Bills in Ohio

Elizabeth — Thu, 17 May 2012 00:01:52 +0000

Many Americans living in Ohio are filing bankruptcy because of medical bills. Health insurance companies are always raising the cost of benefits and the coverage seems to be getting worse year after year. You cannot put a price tag on life. The sad reality is that after taking the necessary treatments to survive cancer, a heart attack, or other major health problems, it is common that one may be left paying $20,000 or more in medical bills. It seems as if it takes no time at all before your bills get sent to third-party collections and creditors are harassing you over the phone. Many times the accumulation of medical debt would be nearly impossible to pay back in one’s lifetime. Bankruptcy is an option available under the Federal government that will give you a fresh start on your bills.

Filing a Chapter 7 or Chapter 13 personal bankruptcy will discharge most of your debts such as medical bills, credit cards, personal loans, utility bills, and items sent to third-party collections. You can also discharge other debts such as a foreclosed home, repossessed vehicles, and evictions. One benefit of filing bankruptcy is that by simply filing your case you can stop a wage garnishment, foreclosure, sheriff sale, vehicle repossession, and utility disconnection. Filing bankruptcy can help you protect your assets while getting a fresh start on your bills.

Filing Bankruptcy and Want to Keep House in Ohio

Elizabeth — Wed, 16 May 2012 22:55:32 +0000

There is no question that your home is one of your most valuable assets. Filing a bankruptcy is an option available under the Federal government. There are exemptions that will allow you to keep your home. Filing a Chapter 13 bankruptcy would be ideal if you are behind in your mortgage payments and you would like to keep the house. Filing a Chapter 7 bankruptcy would be ideal if you are current in your mortgage payments and would like to discharge other debts such as credit cards, medical bills, personal loans, utility bills, and items sent to third-party collections.

Filing a bankruptcy will automatically stop a wage garnishment, foreclosure, sheriff sale, vehicle repossession, and utility disconnection. You can even get your license back from suspension. You may consider filing bankruptcy if you are receiving harassing creditor phone calls and having a difficult time making minimum payments on your bills.

Filing Bankruptcy Because of a Divorce in Ohio

Elizabeth — Wed, 16 May 2012 03:25:01 +0000

Going through a divorce can be devastating not only emotionally, but financially. Many times a divorce will leave both spouses with an empty bank account and an accumulation of debt. Many times after a divorce is finalized, one is stuck with an amount of debt they would never be able to pay back. Many Americans living in Ohio are filing bankruptcy to get a fresh start on their new life in Ohio.

Filing a bankruptcy before the divorce would be ideal. Filing a bankruptcy before the divorce will give both spouses a fresh start and eliminate any allocation of debts to be debated at court. This will also save you money in legal fees for the divorce. Filing dissolution of marriage would be best if you and your spouse can agree to the terms of the separation such as child support, child custody, and allocation of property.

Filing a bankruptcy will give you protection under the Federal government. Filing a bankruptcy will automatically stop a wage garnishment, foreclosure, sheriff sale, vehicle repossession, and utility disconnection. You can even get your license back from suspension. Filing bankruptcy will discharge most of your debts such as credit cards, medical bills, personal loans, utility bills, evictions, foreclosed home, repossessed vehicles, and items sent to third-party collections.

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!

Stopping a Wage Garnishment or Foreclosure in Ohio

Elizabeth — Sun, 13 May 2012 21:54:30 +0000

Getting served legal paperwork stating that your home is going into foreclosure or up for sheriff sale can be a freighting prospect. 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. Bankruptcy will give you a legal avenue to get current on your mortgage payments if you would like to keep your home or a solution to walk away free and clear if keeping the home is not an option you would like to explore.

Receiving a wage garnishment notice in the mail can make you sick to your stomach. It is hard enough to get by each month. Times can become even more difficult when you are getting your wages garnished 25%. It is very important that you take immediate action when you are served legal paper work that a lawsuit is filed against you. Filing a Chapter 7 or Chapter 13 bankruptcy will automatically stop a wage garnishment, foreclosure, sheriff sale, vehicle repossession, and utility disconnection.

Happy Mother’s Day From The Law Office of M. Sean Cydrus

Elizabeth — Sun, 13 May 2012 15:27:24 +0000

The Law Office of M. Sean Cydrus would like to wish all the mothers a happy Mother’s Day. We hope that your day is filled with happiness and love. We would also like to give thanks to all the mothers we have helped over the years and invite those who need help. We pride ourselves on the ability to provide our legal expertise with compassion and understanding.

Filing bankruptcy doesn’t have to be difficult. It can be rather easy working with a professional that specializes in bankruptcy. 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 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!

Filing a Bankruptcy in Chillicothe Ohio

Elizabeth — Sun, 13 May 2012 15:19:35 +0000

Filing bankruptcy doesn’t have to be difficult. It can be rather easy working with a professional that specializes in bankruptcy. The Bankruptcy District you file your bankruptcy petition in is going to depend on which county you reside at in Ohio. If you reside in Ross County you would want to file your bankruptcy in the Southern District of Ohio Bankruptcy Court Division. The bankruptcy court you would have to attend after filing your bankruptcy is located in downtown Columbus on High St.

There are many benefits to filing bankruptcy. Filing a bankruptcy will automatically stop a wage garnishment, foreclosure, sheriff sale, vehicle repossession, and utility disconnection. Filing a Chapter 7 or Chapter 13 bankruptcy will discharge most of your debts such as credit cards, medical bills, personal loans, utility bills, evictions, foreclosed home, repossessed vehicles, and items sent to third-party collections. Bills you may have to pay back are student loans, back taxes, and domestic support. Filing bankruptcy is an option available under the Federal government. Filing bankruptcy will allow you to protect your assets while getting a fresh start on your bills.

Filing a Bankruptcy in Columbus Ohio

Elizabeth — Sat, 12 May 2012 14:00:44 +0000

Filing bankruptcy doesn’t have to be difficult. It can be rather easy working with a professional that specializes in bankruptcy. The Bankruptcy District you file your bankruptcy petition in is going to depend on which county you reside at in Ohio. If you reside in Franklin County you would want to file your bankruptcy in the Southern District of Ohio Bankruptcy Court Division. There is a Bankruptcy Court located in downtown Columbus on High St. An experienced Ohio Bankruptcy Attorney will ensure that your bankruptcy is filed correctly and in the proper jurisdiction.

There are many benefits to filing bankruptcy. Filing a bankruptcy will automatically stop a wage garnishment, foreclosure, sheriff sale, vehicle repossession, and utility disconnection. Filing a Chapter 7 or Chapter 13 bankruptcy will discharge most of your debts such as credit cards, medical bills, personal loans, utility bills, evictions, foreclosed home, repossessed vehicles, and items sent to third-party collections. Filing bankruptcy is an option available under the Federal government. Filing bankruptcy will allow you to protect your assets while getting a fresh start on your bills.

Where Do I Go to Court When Filing Bankruptcy in Ohio?

Elizabeth — Sat, 12 May 2012 13:25:26 +0000

When filing bankruptcy, the court you appear at and the Bankruptcy District you file your bankruptcy petition in is going to depend on which county you reside at in Ohio. There are two Bankruptcy Districts. There is the Northern District of Ohio Bankruptcy Court Division and the Southern District of Ohio Bankruptcy Court Division. The Southern District of Ohio Bankruptcy Court Division has courts in Columbus, Zanesville, Dayton, Cincinnati, and St. Clairsville. The Northern District of Ohio Bankruptcy Court Division has courts in Cleveland, Canton, Akron , Toledo, and Youngstown.

When you file bankruptcy, there is a court hearing that you must attend to. It is called the 341 Meeting of Creditors. At the 341 Meeting of Creditors, you will be required to swear or affirm that the information that you have provided in your bankruptcy petition is correct and true. The U.S. Bankruptcy Trustee will ask you questions about your bankruptcy petition. Your bankruptcy attorney will ensure that all legal issues are addressed ahead of time and that you won’t have any surprises at court. All you should have to do is answer a series of yes or no questions. You must bring your driver’s license and social security card to get into the court building.

Exploring Your Options With Bankruptcy in Ohio

Elizabeth — Sat, 12 May 2012 00:47:14 +0000

There are many options that may be available to you under the U.S. Bankruptcy Code. There are many benefits to filing bankruptcy. Some of the benefits to filing bankruptcy are that you can stop a wage garnishment, foreclosure, sheriff sale, vehicle repossession, and utility disconnection. You could even get your driver’s license back from suspension as long as the offense was not drug or alcohol related. Filing bankruptcy will allow you to protect your assets while getting a fresh start on your bills.

Chapter 7 bankruptcy is what most people envision of when they think about bankruptcy. It is when most of your debts are discharged such as credit cards, medical bills, personal loans, utility bills, evictions, foreclosed home, repossessed vehicles, and items sent to third-party collections. There are only a couple things that you may have to pay back such as student loans, back taxes, and domestic support. Chapter 13 bankruptcy is what most people envision of as a debt consolidation through the Federal government. Filing a Chapter 13 bankruptcy could allow you to pay pennies on the dollar on your bills with a payment you can afford each month with the amount of income you are making.

Filing Bankruptcy When You Are On a Fixed Income in Ohio

Elizabeth — Sat, 12 May 2012 00:13:11 +0000

Living off a fixed income can be difficult. It is hard to pay for unexpected expenses when there is no other way to make more money. No one can anticipate car problems, defective appliances, or medical bills. When you are left with little to no money left over each month after paying for basic living expenses, it can be easy to fall behind on your bills. Times can be even more difficult if you are threatened with a lawsuit, foreclosure, vehicle repossession, or utility disconnection. It is important to understand that you have rights that you can act upon to prevent bad things from happening.

Filing bankruptcy will give you protection under the Federal government. There are two kinds of bankruptcy. Chapter 7 bankruptcy is what most people envision of when they think about bankruptcy. It is when most of your debts are discharged such as credit cards, medical bills, personal loans, utility bills, evictions, foreclosed home, repossessed vehicles, and items sent to third-party collections. There are only a couple things that you may have to pay back such as student loans, back taxes, and domestic support. Chapter 13 bankruptcy is what most people envision of as a debt consolidation through the Federal government. Filing a Chapter 13 bankruptcy could allow you to pay pennies on the dollar on your bills with a payment you can afford each month with the amount of income you are making.

Appearing at The 341 Meeting of Creditors in Ohio

Elizabeth — Fri, 11 May 2012 23:27:07 +0000

Filing a bankruptcy will automatically stop a wage garnishment, foreclosure, sheriff sale, vehicle repossession, and utility disconnection. Some of the debts that can be discharged in a bankruptcy are credit cards, medical bills, personal loans, utility bills, evictions, repossessed vehicles, a foreclosed home, and items sent to third-party collections. Some of the things you may have to pay back are student loans, back taxes, and domestic support. Filing a bankruptcy will give you protection under the Federal government.

Bankruptcy Attorney Can Stop a Foreclosure in Ohio

Elizabeth — Fri, 11 May 2012 22:50:31 +0000

Receiving a foreclosure notice in the mail can make you sick to your stomach. It is hard to believe that something you worked so hard for can be taken from you. It is important to understand that you have rights that you can act upon to prevent the home from being sold at sheriff sale or solutions to give up the home so you don’t get stuck with a hefty bill. It is important to take immediate action before it is too late.

Filing a Chapter 7 or Chapter 13 bankruptcy will give you protection under the Federal government. Filing a Chapter 13 bankruptcy will allow you to get current on your mortgage payments if you would like to keep the house. Filing a Chapter 7 bankruptcy will allow you to walk away from the house free and clear. Filing a Chapter 7 or Chapter 13 bankruptcy will discharge most of your debts such as credit cards, medical bills, personal loans, utility bills, evictions, repossessed vehicles, and items sent to third-party collections. Filing a bankruptcy will allow you to protect your assets while getting a fresh start on your bills.

Automatic Stay of Protection When Filing Bankruptcy in Ohio

Elizabeth — Fri, 11 May 2012 00:07:21 +0000

Bankruptcy is an option that gives protection under the Federal government. There are many benefits to filing bankruptcy. Upon filing your bankruptcy petition, an automatic stay is set in place. The automatic stay stops all creditor collection efforts against you. The automatic stay will stop the creditor from bringing or continuing a lawsuit. The creditor can’t garnish your wages or repossess your vehicle. The creditor must also stop any efforts to foreclose on your home. Notice will be given to each one of your creditors upon the filing of your bankruptcy petition.

Filing a Chapter 7 or Chapter 13 bankruptcy will discharge most of your debts. Some of the debts that can be discharged in a bankruptcy are credit cards, medical bills, personal loans, utility bills, evictions, repossessed vehicles, and a foreclosed home. Some of the things you may have to pay back are student loans, back taxes, and domestic support.

Bankruptcy Attorney Can Stop a Wage Garnishment in Ohio

Elizabeth — Thu, 10 May 2012 23:25:03 +0000

Getting your wages garnished can make everyday living even more difficult. In Ohio, your wages can be garnished up to 25%. When your wages are getting garnished 25%, you are left with practically nothing to pay your bills let alone food and gas. It is very important that once you are served legal paperwork stating that a lawsuit has been filed against you or that your wages are about to get garnished that you take action immediately. Filing a bankruptcy will automatically stop a wage garnishment. Filing a bankruptcy will also stop a foreclosure, vehicle repossession, and utility disconnection.

Bankruptcy Attorney Can Stop Creditor Phone Calls in Ohio

Elizabeth — Thu, 10 May 2012 02:39:16 +0000

There is nothing more annoying than getting creditor phone calls early in the morning on your day off or late at night when you are trying to sleep. It seems as if it takes hardly any time at all before unpaid debts are sent to third-party collections. The next thing you know you are getting collection calls for a bill that you planned on paying, but simply did not have the money at the time the debt was incurred. Hiring a Bankruptcy Attorney will stop most of your creditor phone calls. Letting the creditor know the name and phone number to your attorney will likely stop the creditor phone calls. All communication with the creditor will go through your attorney. This can help you sleep easier at night knowing that someone is looking out for your best interest and ensuring that your rights are protected.

Filing a bankruptcy will stop the creditors’ collection efforts against you. Filing a bankruptcy will automatically stop a wage garnishment, foreclosure, sheriff sale, vehicle repossession, and utility disconnection. You could even get your driver’s license back if they are suspended by simply filing your bankruptcy petition. Filing bankruptcy will give you protection under the Federal government. Filing bankruptcy will allow you to protect your assets while getting a fresh start on your bills.

An experienced Ohio Bankruptcy Attorney can give you legal advice as to how to better your financial situation. 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!