http://ohiobankruptcysource.com Cleveland Area Bankruptcy Attorney Who Gets People Out Of Debt Fri, 03 Feb 2012 23:51:42 +0000 en hourly 1 http://wordpress.org/?v=3.3.1 http://ohiobankruptcysource.com/p-phone-call/ http://ohiobankruptcysource.com/p-phone-call/#comments Tue, 31 Jan 2012 19:47:17 +0000 Bill Balena http://ohiobankruptcysource.com/?p=2457 #leftcontainerBox { float:left; position: absolute; top: 60%; left: 70px; } #leftcontainerBox .buttons { float:left; clear:both; margin:4px 4px 4px 4px; padding-bottom:2px; } #bottomcontainerBox { height: 30px; width:50%; padding-top:1px; } #bottomcontainerBox .buttons { float:left; height: 30px; margin:4px 4px 4px 4px; } Return a phone call to your client. What a novel concept. I have had two situations over the past few years where frustrated people had chapter 13 lawyers who would not return their calls. One of them posted a testimonial on my home page. Each of these poor people had different lawyers. I refer to... Related posts:

1. 5 More Reasons To Call Another Bankruptcy Lawyer

]]> http://ohiobankruptcysource.com/p-phone-call/feed/ 2 http://ohiobankruptcysource.com/o-for-old/ http://ohiobankruptcysource.com/o-for-old/#comments Sun, 29 Jan 2012 22:47:07 +0000 Bill Balena http://ohiobankruptcysource.com/?p=2440 #leftcontainerBox { float:left; position: absolute; top: 60%; left: 70px; } #leftcontainerBox .buttons { float:left; clear:both; margin:4px 4px 4px 4px; padding-bottom:2px; } #bottomcontainerBox { height: 30px; width:50%; padding-top:1px; } #bottomcontainerBox .buttons { float:left; height: 30px; margin:4px 4px 4px 4px; } Eight years between Chapter 7 bankruptcy cases.  Many who come to me really don’t pay attention to what was taken away from them by government in bankruptcy reform.  Few understand the years required between their old and their new bankruptcy cases.  These break into four classes: Eight between filing chapter 7 bankruptcy cases. Six between chapter... Related posts:

1. I is for Involuntary Bankruptcy
2. N is for Never
3. C is for Cosigner

]]> http://ohiobankruptcysource.com/o-for-old/feed/ 2 http://ohiobankruptcysource.com/n-for-never/ http://ohiobankruptcysource.com/n-for-never/#comments Fri, 27 Jan 2012 17:39:59 +0000 Bill Balena http://ohiobankruptcysource.com/?p=2418 #leftcontainerBox { float:left; position: absolute; top: 60%; left: 70px; } #leftcontainerBox .buttons { float:left; clear:both; margin:4px 4px 4px 4px; padding-bottom:2px; } #bottomcontainerBox { height: 30px; width:50%; padding-top:1px; } #bottomcontainerBox .buttons { float:left; height: 30px; margin:4px 4px 4px 4px; } You finally decide to file bankruptcy. I do not expect you to be a lawyer, or to even know the law. There are two things you should never ever do financially, especially in the lead up to bankruptcy.  Each basically involves debt consolidation instead of bankruptcy. When should you do them? NEVER! The things you... Related posts:

1. Bankruptcy Lets You Keep 401k
2. I is for Involuntary Bankruptcy
3. M is for Mistakes

]]> http://ohiobankruptcysource.com/n-for-never/feed/ 1 http://ohiobankruptcysource.com/k-for-know/ http://ohiobankruptcysource.com/k-for-know/#comments Wed, 18 Jan 2012 18:31:11 +0000 Bill Balena http://ohiobankruptcysource.com/?p=2350 #leftcontainerBox { float:left; position: absolute; top: 60%; left: 70px; } #leftcontainerBox .buttons { float:left; clear:both; margin:4px 4px 4px 4px; padding-bottom:2px; } #bottomcontainerBox { height: 30px; width:50%; padding-top:1px; } #bottomcontainerBox .buttons { float:left; height: 30px; margin:4px 4px 4px 4px; } Debt Settlement company ads are something that I pay attention to on television.  I listen to the noise of these companies because I witness first hand the harm they do to people in desperation.  This one was hard to miss because of the messages.  They know all the buzzwords to light up anyone in debt.... Related posts:

1. C is for Cosigner
2. N is for Never
3. I is for Involuntary Bankruptcy

]]> http://ohiobankruptcysource.com/k-for-know/feed/ 3 http://ohiobankruptcysource.com/i-for-involuntary-bankruptcy-2/ http://ohiobankruptcysource.com/i-for-involuntary-bankruptcy-2/#comments Wed, 28 Dec 2011 20:29:48 +0000 Bill Balena http://ohiobankruptcysource.com/?p=2304 #leftcontainerBox { float:left; position: absolute; top: 60%; left: 70px; } #leftcontainerBox .buttons { float:left; clear:both; margin:4px 4px 4px 4px; padding-bottom:2px; } #bottomcontainerBox { height: 30px; width:50%; padding-top:1px; } #bottomcontainerBox .buttons { float:left; height: 30px; margin:4px 4px 4px 4px; } Involuntary chapter 7 bankruptcy happens when a creditor files against you in bankruptcy court to force the sale of your non-exempt assets to satisfy a debt. Not just any creditor can file such a proceeding against you: You cannot have more than 12 unsecured creditors. The filing creditor must have a non-contingent, undisputed unsecured claim... Related posts:

1. N is for Never
2. C is for Cosigner
3. Left a Bill Off Your Bankruptcy?

]]> http://ohiobankruptcysource.com/i-for-involuntary-bankruptcy-2/feed/ 4 http://ohiobankruptcysource.com/d-for-dui-dwi-ovi/ http://ohiobankruptcysource.com/d-for-dui-dwi-ovi/#comments Fri, 02 Dec 2011 22:25:02 +0000 Bill Balena http://ohiobankruptcysource.com/?p=2195 #leftcontainerBox { float:left; position: absolute; top: 60%; left: 70px; } #leftcontainerBox .buttons { float:left; clear:both; margin:4px 4px 4px 4px; padding-bottom:2px; } #bottomcontainerBox { height: 30px; width:50%; padding-top:1px; } #bottomcontainerBox .buttons { float:left; height: 30px; margin:4px 4px 4px 4px; } If you had a DUI, DWI, or OVI in your past the bankruptcy code has something for you. Come on, you couldn’t expect that the political hacks in Washington, DC, could ignore the fattest, slowest moving political target. Drunk drivers are the people every politician loves to hate. They included you in the bankruptcy law.... Related posts:

1. Property Damage Accident, Drunk Driving? Discharge In Bankruptcy!
2. Bankruptcy Eliminates BMV Reinstatement Fees

]]> http://ohiobankruptcysource.com/d-for-dui-dwi-ovi/feed/ 8 http://ohiobankruptcysource.com/c-for-cosigner/ http://ohiobankruptcysource.com/c-for-cosigner/#comments Thu, 01 Dec 2011 23:00:08 +0000 Bill Balena http://ohiobankruptcysource.com/?p=2172 #leftcontainerBox { float:left; position: absolute; top: 60%; left: 70px; } #leftcontainerBox .buttons { float:left; clear:both; margin:4px 4px 4px 4px; padding-bottom:2px; } #bottomcontainerBox { height: 30px; width:50%; padding-top:1px; } #bottomcontainerBox .buttons { float:left; height: 30px; margin:4px 4px 4px 4px; } Your cosigner has some big problems if you file bankruptcy. First of all let’s talk about who a cosigner is. Remember when you couldn’t get that loan unless someone signed the loan for you? Most typically this involves car loans, or if you had been arrested, a bail bond. When someone signs with or for... Related posts:

1. Will Co-Debtor Stay Protect Your Cosigner?
2. Bankruptcy and your Cosigner
3. N is for Never

]]> http://ohiobankruptcysource.com/c-for-cosigner/feed/ 11 http://ohiobankruptcysource.com/chapter-7-bankruptcy-automatic-stay-lasts/ http://ohiobankruptcysource.com/chapter-7-bankruptcy-automatic-stay-lasts/#comments Tue, 20 Sep 2011 11:00:17 +0000 Jay Fleischman http://ohiobankruptcysource.com/?p=2066 #leftcontainerBox { float:left; position: absolute; top: 60%; left: 70px; } #leftcontainerBox .buttons { float:left; clear:both; margin:4px 4px 4px 4px; padding-bottom:2px; } #bottomcontainerBox { height: 30px; width:50%; padding-top:1px; } #bottomcontainerBox .buttons { float:left; height: 30px; margin:4px 4px 4px 4px; } You file for Chapter 7 bankruptcy to get a discharge of your debts. You’re worried about how long it’s going to take for the case to go through the court system because you want to be rid of the problems as quickly as possible. The good news is that, in most cases, filing the case... Related posts:

1. How Long Can I Stay In My House During Foreclosure?
2. How long does a Bankruptcy Case take?
3. Will Co-Debtor Stay Protect Your Cosigner?

]]> http://ohiobankruptcysource.com/chapter-7-bankruptcy-automatic-stay-lasts/feed/ 0 http://ohiobankruptcysource.com/borrow-401k-file-bankruptcy/ http://ohiobankruptcysource.com/borrow-401k-file-bankruptcy/#comments Sat, 27 Aug 2011 03:23:27 +0000 Bill Balena http://ohiobankruptcysource.com/?p=2007 #leftcontainerBox { float:left; position: absolute; top: 60%; left: 70px; } #leftcontainerBox .buttons { float:left; clear:both; margin:4px 4px 4px 4px; padding-bottom:2px; } #bottomcontainerBox { height: 30px; width:50%; padding-top:1px; } #bottomcontainerBox .buttons { float:left; height: 30px; margin:4px 4px 4px 4px; } What happens if you borrow too much money from your 401k to file bankruptcy? A client recently created this problem. She desperately needed to file a chapter 7 as the result of a very large garnishment.  With the garnishment, she was unable to come up with the money to file bankruptcy to stop the garnishment. ... Related posts:

1. Bankruptcy Lets You Keep 401k
2. Keep Your 401k and File Bankruptcy
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]]> http://ohiobankruptcysource.com/borrow-401k-file-bankruptcy/feed/ 0 http://ohiobankruptcysource.com/foreclosure-sale-date-and-your-house-does-not-sellle/ http://ohiobankruptcysource.com/foreclosure-sale-date-and-your-house-does-not-sellle/#comments Mon, 22 Aug 2011 12:30:46 +0000 Bill Balena http://ohiobankruptcysource.com/?p=1974 #leftcontainerBox { float:left; position: absolute; top: 60%; left: 70px; } #leftcontainerBox .buttons { float:left; clear:both; margin:4px 4px 4px 4px; padding-bottom:2px; } #bottomcontainerBox { height: 30px; width:50%; padding-top:1px; } #bottomcontainerBox .buttons { float:left; height: 30px; margin:4px 4px 4px 4px; } Foreclosure sale date has passed, and your house does not sell. How can that happen?  Is it even possible?  Not only is it possible, but it is becoming more and more common in Northeast Ohio.  It is no shock that home values in this area have dropped continuously since 2008.  The rest of the country... Related posts:

1. How Long Can I Stay In My House During Foreclosure?
2. Foreclosure After the Sheriff Sale
3. Renter Rights in Foreclosure

]]> http://ohiobankruptcysource.com/foreclosure-sale-date-and-your-house-does-not-sellle/feed/ 1