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/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/m-for-mistakes/ http://ohiobankruptcysource.com/m-for-mistakes/#comments Thu, 26 Jan 2012 21:46:08 +0000 Bill Balena http://ohiobankruptcysource.com/?p=2401 #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; } Before you see me you need to avoid common mistakes in bankruptcy planning. You need information about bankruptcy.  Maybe you need to file.  Perhaps you are looking to find the right attorney for a loved one.  For whatever reason, you are here with me now.  I want to tell you a story.  It is about... Related posts:

1. N is for Never
2. No Preference Payments To Relatives Before Bankruptcy
3. C is for Cosigner

]]> http://ohiobankruptcysource.com/m-for-mistakes/feed/ 2 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/e-for-euphoria/ http://ohiobankruptcysource.com/e-for-euphoria/#comments Tue, 06 Dec 2011 16:43:23 +0000 Bill Balena http://ohiobankruptcysource.com/?p=2212 #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; } Euphoria is what has likely gotten you into the debt that will lead to bankruptcy. It is a state of pleasure or satisfaction. Brain studies show that anticipating a purchase triggers a larger dopamine release than actually receiving the same item. Let me give you some examples of how it works. When I was young,... No related posts.]]> http://ohiobankruptcysource.com/e-for-euphoria/feed/ 9 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?
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]]> http://ohiobankruptcysource.com/c-for-cosigner/feed/ 11 http://ohiobankruptcysource.com/ex-filed-bankruptcy-can-do/ http://ohiobankruptcysource.com/ex-filed-bankruptcy-can-do/#comments Wed, 03 Aug 2011 19:26:58 +0000 Bill Balena http://ohiobankruptcysource.com/?p=1859 #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; } Ex husband or wife filed bankruptcy and they were supposed to pay the bills.  Now you are being sued, your are wages garnished, or you are suffering a bank attachment or bank garnishment, or all of the above. You need to follow the lead of one of my favorite movies, Blazing Saddles. The sheriff is... Related posts:

1. Current Divorce Obligations And Bankruptcy
2. Divorce And Bankruptcy
3. 5 Reasons To File A Joint Bankruptcy If Separated

]]> http://ohiobankruptcysource.com/ex-filed-bankruptcy-can-do/feed/ 0 http://ohiobankruptcysource.com/bankruptcy-in-your-wedding-plans/ http://ohiobankruptcysource.com/bankruptcy-in-your-wedding-plans/#comments Mon, 07 Feb 2011 13:00:12 +0000 Bill Balena http://ohiobankruptcysource.com/?p=1365 #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; } Should there be a bankruptcy before your wedding? You planned everything else to a tee. What about your finances after marriage?  I have seen a number of situations in which one or both of the newlyweds could benefit immensely from either a chapter 13 or a chapter 7 filing before marriage. In each case the... Related posts:

1. Bankruptcy Means Test
2. Husband Wife File Bankruptcy Without Other
3. Ex filed bankruptcy. What can you do?

]]> http://ohiobankruptcysource.com/bankruptcy-in-your-wedding-plans/feed/ 2 http://ohiobankruptcysource.com/teach-your-children-about-debt/ http://ohiobankruptcysource.com/teach-your-children-about-debt/#comments Sun, 07 Nov 2010 14:00:53 +0000 Bill Balena http://ohiobankruptcysource.com/?p=1243 #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; } Can to teach your children about debt? As a twenty first century American debt is something that we all know about. I am in debt. You are in debt. Our government gives a whole new meaning to the word debt. What we need to do is teach our children to avoid it and to respect... Related posts:

1. Teach Your Children About Money

]]> http://ohiobankruptcysource.com/teach-your-children-about-debt/feed/ 0 http://ohiobankruptcysource.com/pay-debts-after-death-or-disability-of-a-spouse/ http://ohiobankruptcysource.com/pay-debts-after-death-or-disability-of-a-spouse/#comments Sun, 10 Oct 2010 21:41:03 +0000 Bill Balena http://ohiobankruptcysource.com/?p=1123 #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; } Are you responsible to pay debts after death, or to pay debts after disability of your spouse? You might think so if you listen to the bill collectors! I have seen two different people wrestle with this problem from different angles. The first involved a widow. Her husband left her very little insurance after his... Related posts:

1. What About Bigger Bills After You File For Bankruptcy
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]]> http://ohiobankruptcysource.com/pay-debts-after-death-or-disability-of-a-spouse/feed/ 0