A couple going through divorce often find it helpful to include a bankruptcy as part of the plan to divide assets. At one time the main thrust of a divorce case was to decide: who gets custody of the kids, in Ohio we are politically correct. These are parental rights. Who gets to pay child…
Are debts left off included in my Bankruptcy? Clients frequently call me sometime after they file for bankruptcy concerned that they left off a bill or two. Bankruptcy is an incredibly paper intensive proceeding. When you first plan to become a client you are instructed on what to bring to my office to prepare your…
A New Car in Chapter 13? Need a new car? Are you currently in a Chapter 13 case in Cleveland? Let’s face it, things wear out. I’m not talking about us. Chances are that if you are in a chapter 13 case you probably don’t have the latest model car, or the car you have…
2 Free Chapter 7 bankruptcy consultations, same question: This past week I had free chapter 7 bankruptcy consultation with two very different women. Each of them had serious debt problems. Each needed to file for chapter 7 bankruptcy. Each was the result of basic mistakes in handling their finances. What pushed them toward bankruptcy was…
You filed your chapter 7 bankruptcy case. Just after you file for bankruptcy a new bill comes in the mail for a higher amount. Are you responsible for the difference between what you scheduled in the bankruptcy petition and the amount of the new bill? An Elyria bankruptcy client who filed her chapter 7 case…
Can credit repair save me from bankruptcy? We have been conditioned to take responsibility for what we have done. Have you ever heard the old adage, “You made your bed now sleep in it?” How about the Puritan work ethic of hard work and thrift being the path to success? Or lessons from your childhood…