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Ohio foreclosure law requires a mortgage lender to file a civil complaint to foreclosure a mortgage. In other words, a mortgage lender cannot simply “seize” the property without going through the court system. In some states, a lender can obtain title to the property through a nonjudicial foreclosure such as a sheriff’s sale. A Foreclosure […]

When you die, will your property be sold to pay your creditors? Are your loved ones required to pay your debts even if you don’t have enough assets to cover your debts? Because the answers to these questions can be complicated depending on your situation, it is important to seek the advice of an experienced […]

A recent study confirmed what every bankruptcy attorney already knows. Despite the mortgage crisis and rising credit card debt, medical debt is the leading cause of bankruptcy in America. Sadly, this type of debt doesn’t just happen to people without insurance. High deductible plans leave many families with medical debt they cannot pay off. There is a […]

After filing for Chapter 7 or Chapter 13 bankruptcy, you’ll need to meet with your creditors about a month after the filing date in what’s called a 341 meeting.  It’s important to be prepared for the 341 meeting and comply with the requests made by your bankruptcy trustee so that the bankruptcy process proceeds as […]

People who win the lottery are often excited, and overwhelmed, with the possibilities. Unfortunately, that can lead them to make poor choices with the money they were given. When that happens they can even end up bankrupt in a short period of time. It’s easy to wonder how someone who wins millions can ever end […]

If you live in Ohio and are concerned about driving violations and points on your license, you’re not alone. Fortunately, there are ways to get points taken off of your license so they don’t raise your insurance rates and cause you other problems. With the right help and information, you will have the opportunity to […]

If you are struggling to meet your monthly financial obligations, and barely earning enough to make it paycheck to paycheck, a wage garnishment can be more than an inconvenience. It can be absolutely devastating. Ohio law allows for wage garnishments. It also provides relief for some garnishments by way of bankruptcy. What is a Wage […]

Operating a vehicle impaired (OVI), driving under the influence (DUI), and driving while intoxicated (DWI) are all offenses relating to driving while under the influence of either alcohol or drugs. The state of Ohio does not use DUI or DWI acronyms. It now uses the OVI acronym in all cases of drug and alcohol impairment […]

No one wants to be the one to have to file for bankruptcy, but filings are actually fairly common. Last year 884,956 American households filed for bankruptcy. Yet, like many unpleasant and scary procedures, bankruptcy’s reputation is based on a few tidbits of truth combined with a lot of embellishment. Falsehoods about filing are rampant, […]