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December 2015 Archives

Personal bankruptcy may lead to fresh financial start

Ohio consumers who find themselves overwhelmed by credit card debt may be exploring remedies for the situation. Under the Bankruptcy Code, protection is offered that is not available in any of the many plans that may provide debt relief. The bottom line is that the only way in which credit card debt can be cleared is by paying it off, and with interest and late-payment fees ever accruing, this is a long-term option, unless personal bankruptcy is chosen.

Bankruptcy: Small businesses can overcome debt problems

Some small business owners in Ohio who have encountered unexpected financial difficulties may be exploring possible remedies. Fortunately there are several options under the Bankruptcy Code that might allow a business to continue rather than just shutting its doors. Careful consideration is required before these important decisions are made.

Your retirement is safe when filing for bankruptcy

Filing for bankruptcy is a big choice that many couples and individuals are hesitant to make. Though Chapter 13 or Chapter 7 bankruptcy can be used as a tool to positively benefit a financial crisis, taking the leap is intimidating. Nevertheless, thousands of people who are living in the area of Cincinnati, Ohio, file for bankruptcy each day. If you are like most of these individuals and are considering bankruptcy, you naturally have many questions. One of the most common concerns that people have when filing for bankruptcy is the future of their retirement savings.

When should I look for in a bankruptcy attorney?

Let's say that the evidence has been stacking up lately that suggests you need to talk with a bankruptcy lawyer: you've been juggling some or even many of your bills, trying to stay one step ahead of having your electricity, telephone and water shut off. You've been "paying off" credit card balances by opening new credit card accounts and transferring the old card's balance to the new card, and you're only able to make the minimum payment on the balances that you have. You've borrowed all the money you can from your relatives. When the phone rings, you hesitate to answer it. In a worst-case scenario, some of your creditors may have already begun taking legal action against you.

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NACBA - National Association of Consumer Bankruptcy Attorneys

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We are proud members of the NACBA, a national organization dedicated to serving the rights of consumer debtors. Read More

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