http://ohiobankruptcysource.com Cleveland Area Bankruptcy Attorney Who Gets People Out Of Debt Thu, 17 May 2012 11:00:54 +0000 en hourly 1 http://wordpress.org/?v=3.3.2 http://ohiobankruptcysource.com/employer-not-deducting-enough-for-my-pay-order/ http://ohiobankruptcysource.com/employer-not-deducting-enough-for-my-pay-order/#comments Wed, 16 May 2012 11:30:29 +0000 Bill Balena http://ohiobankruptcysource.com/?p=2792 #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; } In each chapter 13 case I will get a phone call that goes something like this:  “Hello, Mr. Balena?”  “This is Sample Client. You filed a chapter 13 for me.”  “My pay check deduction is not enough for my plan payment.” Why would you as a client even suspect that? The pay order approved by... Related posts:

1. Chapter 13 Pay Order in Cleveland
2. Chapter 13 Pay Order Fail
3. 401k Payroll Deduction To Reduce Chapter 13 Plan Payment

]]> http://ohiobankruptcysource.com/employer-not-deducting-enough-for-my-pay-order/feed/ 0 http://ohiobankruptcysource.com/chapter-13-pay-order-fail/ http://ohiobankruptcysource.com/chapter-13-pay-order-fail/#comments Tue, 15 May 2012 18:08:53 +0000 Bill Balena http://ohiobankruptcysource.com/?p=2782 #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; } A failure to follow a chapter 13 pay order is something I have witnessed twice within the past year.  On one occasion it was on the debtor, and the other time it was on the employer. In each instance there was a confirmed plan and a pay order in effect. In one situation the employer... Related posts:

1. Chapter 13 Pay Order in Cleveland
2. Employer Not Deducting Enough For Pay Order
3. 401k Payroll Deduction To Reduce Chapter 13 Plan Payment

]]> http://ohiobankruptcysource.com/chapter-13-pay-order-fail/feed/ 0 http://ohiobankruptcysource.com/suggestion-of-bankruptcy/ http://ohiobankruptcysource.com/suggestion-of-bankruptcy/#comments Thu, 26 Apr 2012 18:32:14 +0000 Bill Balena http://ohiobankruptcysource.com/?p=2765 #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; } How do your proclaim to the debt collection world that you are now protected by an automatic stay from the bankruptcy court? Your first step should be a suggestion of bankruptcy. This is a device you will use for legal proceedings such as: Garnishment Bank attachment Pending law suit Foreclosure Judgments against you A Suggestion... Related posts:

1. 5 Ways To Pay For Bankruptcy With Active Garnishemnt
2. Bankruptcy 7 Ultra Fast Filing
3. Is your cheap bankruptcy attorney doing what you need?

]]> http://ohiobankruptcysource.com/suggestion-of-bankruptcy/feed/ 0 http://ohiobankruptcysource.com/z-for-zero-pay-plan/ http://ohiobankruptcysource.com/z-for-zero-pay-plan/#comments Thu, 05 Apr 2012 14:51:30 +0000 Bill Balena http://ohiobankruptcysource.com/?p=2710 #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; } A fee only chapter 13 plan is one in which there is zero or very little money to pay creditors in a chapter 13 plan. It is not to be confused with a zero percent plan where secured and priority creditors are paid, but general unsecured creditors get nothing. Why would anyone propose such an... Related posts:

1. 5 Ways To Pay For Bankruptcy With Active Garnishemnt
2. 401k Payroll Deduction To Reduce Chapter 13 Plan Payment
3. Chapter 13 Pay Order in Cleveland

]]> http://ohiobankruptcysource.com/z-for-zero-pay-plan/feed/ 0 http://ohiobankruptcysource.com/y-for-your-bankruptcy-trustee/ http://ohiobankruptcysource.com/y-for-your-bankruptcy-trustee/#comments Wed, 04 Apr 2012 18:13:11 +0000 Bill Balena http://ohiobankruptcysource.com/?p=2696 #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 bankruptcy trustee does not work for the court. It is a common public misconception that he does. When you file bankruptcy normally your only contact with the system is the meeting of creditors. The assigned bankruptcy case trustee presides over it. The creditor meeting is a part of your case that is required by... Related posts:

1. I is for Involuntary Bankruptcy

]]> http://ohiobankruptcysource.com/y-for-your-bankruptcy-trustee/feed/ 1 http://ohiobankruptcysource.com/x-for-xantusiidae/ http://ohiobankruptcysource.com/x-for-xantusiidae/#comments Tue, 03 Apr 2012 16:18:29 +0000 Bill Balena http://ohiobankruptcysource.com/?p=2689 #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; } The repo man is one of the best reasons to see a bankruptcy lawyer. I have run into two situations lately that deserve comment here. The first involved a former client. I did two chapter 13 cases, the last of which he converted to chapter 7. He had the same motorcycle through both cases. He... Related posts:

1. Chapter 13 Dismissed? Avoid The Repo Man
2. Bankruptcy and your Cosigner
3. Bankruptcy 7 Ultra Fast Filing

]]> http://ohiobankruptcysource.com/x-for-xantusiidae/feed/ 0 http://ohiobankruptcysource.com/v-for-venue/ http://ohiobankruptcysource.com/v-for-venue/#comments Thu, 15 Mar 2012 02:18:07 +0000 Bill Balena http://ohiobankruptcysource.com/?p=2631 #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; } Venue in bankruptcy court is the location in which your case will be filed and heard. Just like anything else this is controlled by a provision of the bankruptcy code. The rules for venue are simple. Venue is proper in the judicial district where for the 180 days prior to filing your petition you have... Related posts:

1. N is for Never
2. I is for Involuntary Bankruptcy
3. Z is for Zero Pay Plan

]]> http://ohiobankruptcysource.com/v-for-venue/feed/ 2 http://ohiobankruptcysource.com/s-for-spouse/ http://ohiobankruptcysource.com/s-for-spouse/#comments Fri, 24 Feb 2012 01:23:37 +0000 Bill Balena http://ohiobankruptcysource.com/?p=2538 #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 are a spouse. a former spouse or an ex the bankruptcy code has something for you! You figure into the scheme of things in a variety of ways. For more topic specific explanations click the links within each paragraph: Present spouse Joint bankruptcy filing Married couples can file a bankruptcy case, even if... Related posts:

1. Current Divorce Obligations And Bankruptcy
2. Pay debts after death or disability of a spouse?
3. Ex filed bankruptcy. What can you do?

]]> http://ohiobankruptcysource.com/s-for-spouse/feed/ 2 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
2. Bankruptcy Lawyer Not Returning Calls?

]]> http://ohiobankruptcysource.com/p-phone-call/feed/ 5 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. X is for Xantusiidae
2. Z is for Zero Pay Plan
3. V is for Venue

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