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Recent Blog Posts

Troy, Ohio Bankruptcy Attorney discusses automobiles and bankruptcy

One of the challenges faced when filing bankruptcy is dealing with automobiles. This is even more challenging when a couple is filing joint bankruptcy and they owe money on one or more automobiles. Because it is important to understand just how to deal with cars, a Troy, Ohio Bankruptcy Attorney explains the various options. When you owe […]

Troy Ohio Teen Pat McGail GUILTY on all 4 Counts

Troy, Ohio teen Pat McGail was found guilty on all four counts (charges of murder, aggravated robbery, and aggravated burglary, along with a firearm specification) this afternoon at 1:55p.m.

Troy, Ohio Bankruptcy Attorney Answers, “Can Filing for Bankruptcy Help Me Keep My Car?”

Troy, Ohio Bankruptcy Attorney Answers, “Can Filing for Bankruptcy Help Me Keep My Car?”   Transportation is a integral part of everyone’s livelihood. Without it, you can’t get to work. Children can’t get to school. Your life is essentially hindered in numerous ways. However, many Americans are facing repossession of their vehicles because of unforeseen […]

Bankruptcy Laws since 2005, Limits on Bankruptcy Filing Options

Q:  Do the laws enacted in 2005 affect what type of bankruptcy I can file? A:  Yes.  In order to be eligible receive a discharge in a Chapter 7 Bankruptcy your household income must be lower than the average income for that household size in Ohio, or you must “qualify” through the “means test.” The […]

Know Your Rights Under The FCRA – Fair Credit Reporting Act

An important piece of legislation that most average consumers seem woefully under-informed about is the FCRA, or Fair Credit Reporting Act. We believe it is important that all Ohio residents have at least a working understanding of this law. Without such an understanding, they are at risk for being taken advantage of by debt collectors. […]

Bankruptcy and Promissory Notes: Can a Promissory Note be Discharged?

Bankruptcy and promissory notes can be a complicated matter. When you decide to file for bankruptcy, you are required to disclose all your debts including any promissory notes. Just to be clear, a promissory note is a legal and binding contract or agreement between two or more individuals to repay a debt according to specified conditions. […]

Filing for bankruptcy as a senior citizen? Contact a Troy, Ohio bankruptcy lawyer

According to data reported by the AARP, over the past couple of decades, bankruptcy filings among senior citizens have increased signficantly, particularly for individuals between the ages of 75-84.  Huge medical expenses and financial miscalculations jeopardize the security that seniors hope to experience in their golden years. If you’re in such a situation, bankruptcy may […]

Troy Ohio Bankruptcy Attorney discusses rebuilding credit after bankruptcy

A common misconception about bankruptcy is that once your debt is discharged, your credit score is tarnished permanently—this simply isn’t the case.  Discharging your debt through Chapter 7 or Chapter 13 bankruptcy can present you with the unique opportunity to repair your credit score quickly. In this article, we’ll review some things you can do […]

Study Shows Medical Bills No. 1 Cause of Bankruptcy

A recent study revealed unpaid medical bills to be the number one cause of bankruptcy in America, surpassing credit card bills and unpaid mortgages. It’s estimated that nearly two million people will file for bankruptcy this year because of medical bills they are unable to pay. The research was done by NerdWallet Health, a division […]

Troy, Ohio Bankruptcy Lawyer: Available Options For Businesses

Unfortunately, many small businesses have a great idea for a product or a service, yet the time they choose to launch just isn’t the right time. As a result, they end up with their finances in a mess. If you’re in a similar situation, the good news is, all hope is not lost for your […]