Ohio Bankruptcy, Dayton Bankruptcy
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Monthly Archives: August 2010

Can you pay your creditors after your bankruptcy?

August 30, 2010 | Posted in Debt

You absolutely are able to do this. You may voluntarily pay any debt you wish after a bankruptcy, even if it has been discharged. You are under no obligation to do so, and the creditor can never legally request or force you to pay debts which have been discharged. So, why would you want to […]

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The surprising benefits of bankruptcy

August 28, 2010 | Posted in Bankruptcy

Yesterday I had the occasion to speak with fellow on the telephone. He was taking advantage of a service we offer in our office where we will conduct initial interviews by phone. These interviews are just as complete and thorough as our interviews conducted in the office. The same kind of preparation goes into the […]

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Automatic Stay – How it Protects You

August 27, 2010 | Posted in Bankruptcy

When a bankruptcy case is filed the creditors are instantly stopped from taking, or continuing to take, any action against you. This is called the automatic stay. It is one of the most important elements of a bankruptcy case. After filing, the automatic stay  state prevents creditors from calling you, attempting to collect their debts, […]

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Chapter 13 Payment Plans

August 26, 2010 | Posted in Chapter 13

Consumers today regularly shop for the best bankruptcy attorney. This does not necessarily mean the best price, often meaning the lowest price, for these legal services! Since the bankruptcy law was significantly changed in 2005, attorney fees for bankruptcy services have increased rather significantly. As a result, it is sometimes difficult for someone who needs […]

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Tax Refunds and Bankruptcy

August 25, 2010 | Posted in Taxes

I regularly receive this question: Will the trustee take my tax refund every year?  The answer is, as usual, it depends. So lets take a look at some of the factors that go into answering this question. First, in a Chapter 7, you want to look at what time of the year you filed your […]

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Am I Judgment Proof?

August 15, 2010 | Posted in Bankruptcy Attorney Questions

Dear West Hurley & Malkiewicz, I am considering making an appointment for bankruptcy protection but a friend told me about a program that makes you “judgement proof” if your only income is social security. I’m not sure if I can qualify for that because my husband is still working. (The credit cards I have are […]

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Do I qualify to file bankruptcy?

August 15, 2010 | Posted in Bankruptcy Attorney Questions

Many people wonder if they qualify to file bankruptcy. They know that they are in financial trouble. They know that they cannot pay all of their bills. Their income may have dropped due to job loss or illness. Bankruptcy is an option they are considering. Do they qualify to file, and if so what will […]

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Chapter 13 trustee can suggest ways to save money

August 13, 2010 | Posted in Bankruptcy

Of course, we are all interested in saving money, and in a Chapter 13 plan, you are on a budget.  Of course, we are all on some kind of a budget, but at a 341 meeting yesterday,  in Cincinnati, we were reviewing our budget information with the trustee’s staff attorney and got some very useful […]

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Chapter 13 cases can be modified

August 10, 2010 | Posted in Bankruptcy

Understandably, you might worry about emergencies and unforeseen expenses that arise when you are in a chapter 13 plan. After all, these things happen and sometimes we need to borrow money, or put a few other bills to the side for a few months to deal with life situations. Not to worry. Chapter 13 plans […]

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How far will your paycheck go this week?

August 9, 2010 | Posted in Bankruptcy

Every payday, thousands of Ohioans look at their paycheck and realize that it’s already spent. The cost of living always goes up and for the last couple of years the income for most folks has gone up very little. Overtime is gone yet energy and food costs continue to rise. Recently, changes in the credit […]

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