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Chapter 13 Archives

Payday loans: use at your own risk

Many people, particularly those who live "paycheck to paycheck," can find themselves in a financial bind if an emergency arises like an unforeseen medical bill or a vehicle, auto or home repair. Sometimes, the money to pay for these unexpected expenses simply isn't available, so, lacking credit to get a traditional bank loan, they'll turn to unscrupulous sources like payday lenders.

Wife affected when husband seeks debt relief

When an Ohio couple encounters financial difficulty, there are a number of available options. Personal bankruptcy is one example, and it can provide swift and lasting debt relief for many. However, when one spouse owns a business, it becomes very important to understand and follow the rules and regulations that apply to the bankruptcy process. Failure to do so can result in an outcome that is far from what was intended.

Business owners and Chapter 13 bankruptcy

When a business owner encounters a period of financial difficulty, the ramifications can be widespread. Many Ohio owners will do everything in their power to avoid seeking bankruptcy protection until matters have deteriorated significantly. By that point, some owners have sustained damage to their personal finances, as well. In such cases, individuals may need to seek both business bankruptcy and Chapter 13 bankruptcy.

Improper tactics that bill collectors won't tell you about

If there is one thing that elderly Americans do not deserve, it is to deal with terrible instances of debt at this stage of their lives. After all, it is called the “golden years” for a reason. This time of a person’s life is supposed to be relaxing and joyous, even if the person chooses to work.

Can bankruptcy be used to eliminate tax debt?

While many people are preparing their taxes in anticipation of receiving a refund, there are some who are toiling in debt who are genuinely concerned about how they are going to pay their federal or state income tax bills. Chances are that these questions come up every year. It is not uncommon for people to accrue tax debt for multiple years, only to have it catch up with them. When this happens, they may be subject to liens and garnishments that make their financial situation worse.

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