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March 2015 Archives

How may a court deny a discharge in bankruptcy?

Chapter 7 bankruptcy is often entered into when people have their financial backs against the wall, so it is understandable that many of these same people want the fresh start that is the implied promise of a Chapter 7 to liquidate as much of their debt load as possible. And overall, that is what this form of bankruptcy protection is able to do: give people with few or no options left a chance to get back on their feet again.

Consumer debt and the garnishment of property in Ohio

We recently discussed the importance of seeking legal advice from a Hamilton County bankruptcy law attorney when creditors resort to wage garnishment to collect a consumer debt. Another form of debt collection procedure authorized by Ohio law that can be equally harmful to a debtor is the garnishment of property other than earnings or wages.

Accident victims fall prey to creditor harassment from hospital

People injured in motor vehicle accidents who seek medical treatment from an Ohio hospital are becoming victims of aggressive debt collection practices. It appears from recent incidents that the hospital has chosen to bypass seeking payment from an injured patient's insurance company. Instead, it has been billing the patient directly at rates that are higher than those normally paid under the hospital's negotiated agreement with insurance companies.

Will a business bankruptcy force me to close my business?

Hamilton County is like other communities throughout Ohio that depend upon the success of small business owners to keep their economies strong. According to the U.S. Small Business Administration, small businesses are responsible for 54 percent of total sales in the U.S. and 55 percent of the jobs. Cash flow challenges and mounting debt can put a squeeze on the financial stability of even a well-managed company.

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NACBA - National Association of Consumer Bankruptcy Attorneys

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