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Bankruptcy

Can I Go To Jail For Defaulting On A Payday Loan?

Some payday lenders threaten to call the police if the check bounces, prompting one to ask, “can I go to jail for defaulting on a payday loan?”   A payday loan is usually a small loan with a postdated check as collateral for the loan.  The due date is usually the date of the person’s next paycheck.  Payday loans carry a high interest rate, often more than 300%.  If one borrows $300 on March 1 and has to pay $330 back on March 15, it may not seem like much.  However, ten percent over two weeks is equivalent to 260% over a year.  If someone repeatedly took out this same loan for a full year, that person would pay 260% interest on $300, which amounts to paying the $300 back, plus $780 in interest.   (more…)

Ohio Outlaws Debtors’ Prison

The Ohio Supreme Court has ordered Ohio courts to stop reviving debtors’ prison.  In other words, Ohio outlaws debtors’ prison.  In February 2014, the high court indicated that it would not tolerate the court’s imprisoning people who could not afford to pay fines and costs.   What is debtors’ prison?   (more…)

Bankruptcy Is Constitutional

Did you know that bankruptcy is mentioned in the United States Constitution?  In other words, bankruptcy is constitutional.  The United States Constitution states:  “[The Congress shall have Power] to establish . . . uniform laws on the subject of Bankruptcies throughout the United States.”  Look it up!  U.S. Constitution, Art. I, Section 8, clause 4.   The Framers wanted to ensure that there would be a uniform system of bankruptcy so that one state would not put someone in debtor’s prison for a debt that was discharged in another state.   (more…)

Massillon Bankruptcy Attorney

A Massillon bankruptcy attorney represents individuals in need of a fresh start in the Northern District of Ohio Bankruptcy Court, Canton Division.  This bankruptcy court is a federal court that serves a large number of Ohio counties, including but not limited to:  Wayne County, Stark County, Holmes County, and Ashland County.  Chapter 7 bankruptcy hearings and Chapter 13 bankruptcy hearings take place in the room located on the first door to your left in the Ralph Regula Federal Building and United States Courthouse in Canton, Ohio.  The Chapter 13 trustee holds a mandatory informational class just prior to the hearing.  This is not the mandatory financial management class, but is simply a class to educate Debtors on the Chapter 13 process. (more…)

Clinton Bankruptcy Attorney

A Clinton bankruptcy attorney represents individuals from Summit County and Medina County in the Northern District of Ohio Bankruptcy Court, Akron Division.  The Bankruptcy Courts’ website has a wealth of information, including a frequently asked questions page.  The Bankruptcy Court also warns individuals against using bankruptcy petition preparers, emphasizing that these individuals are only typists and cannot perform, nor can they charge for, legal services.  Only attorneys can do so, as they have the requisite education, licensing and experience to do so.  The hearings for Chapter 7 bankruptcy cases are held at the trustee hearing room at 76 S. Main Street, Atrium Level #120, Akron, Ohio 44308.  The hearings for Chapter 13 bankruptcy petitions are held at the Chapter 13 Trustee’s office, One Cascade Plaza, 20th Floor, Akron, Ohio 44308.  These hearings will not go forward without all the proper documentation. (more…)

Canal Fulton Bankruptcy Attorney

A Canal Fulton bankruptcy attorney represents individuals in need of a fresh start in the Northern District of Ohio Bankruptcy Court, Canton Division.  This bankruptcy court is a federal court that serves a large number of Ohio counties, consisting of:  Wayne County, Stark County, Holmes County, Tuscarawas County, Ashland County, Carroll County, Richland County and Crawford County.  The hearings for Chapter 7 bankruptcy cases are held at the trustee hearing room, which is located on the first door to your left in the Ralph Regula Federal Building and United States Courthouse, 401 McKinley Avenue S.W., Canton, Ohio 44702.  The hearings for Chapter 13 bankruptcy petitions are held in the same location as the Chapter 7 hearings.  Canton Chapter 13 hearings begin with a mandatory informational class with the bankruptcy filers only, followed by the actual hearing with the Chapter 13 trustee and the debtor’s attorney present.  This class does not take the place of the mandatory financial management class.  These hearings will not go forward without the proper documentation. (more…)

Sharon Bankruptcy Attorney

A Sharon bankruptcy attorney represents people in need of a fresh start in the Northern District of Ohio Bankruptcy Court, Akron Division.  This bankruptcy court serves individuals in need of bankruptcy relief in Medina County, Summit County and Portage County.
Chapter 7 bankruptcy hearings take place at 76 S. Main Street, Atrium Level #120, Akron, Ohio 44308.  Chapter 13 bankruptcy hearings take place at the Chapter 13 Trustee’s office, which is located at the PNC Center, One Cascade Plaza, 20th Floor, Akron, Ohio 44308.  These hearings will not go forward without the proper documentation. (more…)

West Salem Bankruptcy Attorney

A West Salem bankruptcy attorney represents individuals in the Canton Bankruptcy Court, otherwise known as the Northern District of Ohio Bankruptcy Court, Canton Division.  This bankruptcy court is a federal court that covers quite a few Ohio counties:  Wayne County, Stark County, Holmes County, Tuscarawas County, Ashland County, Carroll County, Richland County and Crawford County. (more…)

Summit County Bankruptcy Attorney

A Summit County bankruptcy attorney represents clients in the Akron Bankruptcy Court, otherwise known as the Northern District of Ohio Bankruptcy Court, Akron Division.  This bankruptcy court covers Medina County, Summit County and Portage County.
The hearings for Chapter 7 bankruptcy cases are at the trustee hearing room at 76 S. Main Street, Atrium Level #120, Akron, Ohio 44308.  The hearings for Chapter 13 bankruptcy cases are at the Chapter 13 Trustee’s office, One Cascade Plaza, Suite 2020, Akron, Ohio 44308.  The bankruptcy lawyer assists the clients in ensuring that all the proper documentation is provided so that the hearings can go forward. (more…)

Debt Collector Harrassment

The Fair Debt Collection Practices Act (FDCPA) prevents debt collectors from harassing you and calling you outside normal business hours.  While the law gives you some rights, it does not give you the right to avoid your debt.  The FDCPA covers only personal and household debts, but not business debts.  Typical personal debts are vehicle loans and credit card debts.
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Dalton Bankruptcy Attorney

A Dalton resident needs a bankruptcy attorney that services their area, a Dalton bankruptcy attorney.  A bankruptcy petition filed for a Dalton resident would be filed in the Canton Division of the Northern District of Ohio Bankruptcy Court.  This federal court is not merely limited to a single county like state courts.  The Canton Bankruptcy Court serves a number of counties, including:  Wayne County, Stark County, Holmes County, Tuscarawas County, Ashland County, Carroll County, Richland County and Crawford County. (more…)

Copley Bankruptcy Attorney

A Copley bankruptcy attorney drafts the bankruptcy petition and represents the client in the Akron Division of the Northern District of Ohio Bankruptcy Court.  This Akron bankruptcy court is a federal court that handles cases from Medina County, Summit County and Portage County.  The hearings for Chapter 7 bankruptcy cases are held at the trustee hearing room at 76 S. Main Street, Atrium Level #120, Akron, Ohio 44308, inside of the Orangerie Mall.  The hearings for Chapter 13 bankruptcy petitions are held at the Chapter 13 Trustee’s office, which is located at the PNC Center, One Cascade Plaza, 20th Floor, Akron, Ohio 44308.  Unless the proper documentation is presented, these hearings will not go forward.  A knowledgeable Copley bankruptcy lawyer knows what documents to submit in advance and which ones to bring to the hearing. (more…)

Sterling Bankruptcy Attorney

A Sterling bankruptcy attorney represents Sterling residents in need of bankruptcy services.  The Sterling bankruptcy lawyer prepares the client’s petition and other documents for filing in the Canton Division of the Northern District of Ohio Bankruptcy Court.  The Canton bankruptcy court handles cases from residents of the following counties:  Wayne County, Stark County, Holmes County, Tuscarawas County, Ashland County, Carroll County, Richland County and Crawford County.  The hearings for Chapter 7 bankruptcy cases are held at the trustee hearing room in the Ralph Regula Federal Building and United States Courthouse, 401 McKinley Avenue S.W., Canton, Ohio 44702.  The hearings for Chapter 13 bankruptcy petitions are held in the same location as the Chapter 7 hearings.  Canton Chapter 13 hearings begin with a mandatory informational class with the bankruptcy filers only, followed by the actual hearing with the Chapter 13 trustee and the debtor’s attorney present.  This class does not take the place of the mandatory financial management class.  These hearings will not go forward unless the trustee has received all the required information and documentation in a timely fashion, as well as presenting photographic identification and a social security card. (more…)

Norton Bankruptcy Attorney

What is a Norton bankruptcy attorney?  A Norton bankruptcy lawyer for Summit County prepares the client’s petition for filing in the Northern District of Ohio Bankruptcy Court,, Akron Division.  This bankruptcy court’s jurisdiction consists of Medina County, Summit County and Portage County.
Where are the hearings held?  Unlike some other bankruptcy courts, the initial hearings are not held at the courthouse.  While certain hearings are held before the bankruptcy judge at the courthouse, the initial hearings are held before the bankruptcy trustee assigned to the case at separate locations. The hearings for Chapter 7 bankruptcy cases are held at the trustee hearing room at 76 S. Main Street, Atrium Level #120, Akron, Ohio 44308.  The hearings for Chapter 13 bankruptcy petitions are held at the Chapter 13 Trustee’s office, One Cascade Plaza, 20th Floor, Akron, Ohio 44308.  These hearings will not go forward without submission of certain documents and showing photo ID and a social security card. (more…)

Burbank Bankruptcy Attorney

A Burbank bankruptcy attorney prepares the client’s bankruptcy petition for filing in the Northern District of Ohio Bankruptcy Court, Canton Division.  This bankruptcy court handles cases for individuals in numerous counties, including Wayne County, Stark County, Holmes County, and Ashland County.  The hearings for Chapter 7 bankruptcy cases are held at the trustee hearing room in the Ralph Regula Federal Building and United States Courthouse, 401 McKinley Avenue S.W., Canton, Ohio 44702.  The hearings for Chapter 13 bankruptcy petitions are held in the same location as the Chapter 7 hearings.  Canton Chapter 13 hearings begin with a mandatory informational class with the bankruptcy filers only, followed by the actual hearing with the Chapter 13 trustee and the debtor’s attorney present. (more…)

Foreclosure Mediation Can Save Your Home

Did you know that foreclosure mediation can save your home?  In response to the rise in foreclosure cases, the Ohio Supreme Court urged the courts to use mediation to help people save their homes.  Many Ohio courts responded to this call for action by offering mediation in foreclosure cases.  Prior to this program, homeowners in foreclosure cases did not have much of a chance to save their homes.  With mediation through the courts, mortgage lenders are forced to have a bank representative participate in the mediation process.  In these sessions, the bank representatives report on the progress of the homeowner’s request for mortgage modification, including whether the request will be granted, denied, or needs additional information to reach a decision.  A foreclosure defense attorney can assist homeowners in this process.  First the foreclosure defense lawyer ensures that the necessary pleadings are filed and the proper defenses are raised.  Second, the mortgage modification lawyer helps ensure that the homeowner’s application for mortgage modification is complete and accurate.  Incomplete or inaccurate applications can be grounds for denying a modification.  The mortgage modification lawyer also helps the homeowner pursue alternative options, such as the hardest hit program.  The mortgage modification attorney helps the homeowner get in touch with the correct resources for completing this process.  This is important as there are numerous scam artists claiming to provide help, but do little more than make money for themselves.  Being directed to the reputable counseling agencies is an important part of the process. (more…)

Barberton Bankruptcy Attorney

This Barberton bankruptcy attorney provides top quality bankruptcy service, meeting with and advising clients, preparing and filing bankruptcy petitions, creating workable chapter 13 plans, and working hard to ensure successful completion of the client’s case in the Northern District of Ohio Bankruptcy Court, Akron Division.  This bankruptcy court is proper place to file bankruptcy for people who reside in Medina County, Summit County or Portage County.
Regardless of the chapter, the initial bankruptcy hearings take place in downtown Akron, but are not held at the Federal Courthouse.  Chapter 7 hearings take place at the trustee hearing room at 76 S. Main Street, Atrium Level #120, Akron, Ohio 44308, in the Orangerie Mall.  Chapter 13 hearings take place in the Chapter 13 Trustee’s office, PNC Center, One Cascade Plaza, 20th Floor, Akron, Ohio 44308. (more…)

Smithville Bankruptcy Attorney

What is a Smithville bankruptcy attorney?  A Smithville bankruptcy lawyer prepares the client’s petition for filing in the Northern District of Ohio Bankruptcy Court, Canton Division.  This bankruptcy court handles cases for petitioners who reside in one of the following counties: Wayne County, Stark County, Holmes County, Tuscarawas County, Ashland County, Carroll County, Richland County and Crawford County. (more…)

Brunswick Bankruptcy Attorney

What is a Brunswick bankruptcy attorney?  A Brunswick bankruptcy lawyer prepares the client’s petition for filing in the Northern District of Ohio Bankruptcy Court, Akron Division.  This bankruptcy court handles cases for people who live in Medina County, Summit County or Portage County.  The Court’s website has a wealth of information, including a frequently asked questions page, and a warning about using bankruptcy petition preparers.  Bankruptcy petition preparers can only perform typing duties and cannot perform or charge for legal services.  Only attorneys can perform legal services, as they have the training, education and experience needed for such tasks.  When hiring an attorney, it is important to ask if the petition will be drafted in that attorney's office.  Attorneys who draft the petitions "in-house" usually possess the knowledge and expertise to handle the pitfalls that can occur in bankruptcy.  Ask yourself if you would rather have an attorney does not draft the petitions within the office over one who does.    (more…)

Wooster Bankruptcy Attorney

What is a Wooster bankruptcy attorney?  A Wooster bankruptcy lawyer prepares the client’s petition for filing in the Northern District of Ohio Bankruptcy Court, Canton Division.  This includes calculating the client’s eligibility for Chapter 7 or 13 under the means test.  The more diligent Wayne County bankruptcy attorney ensures that his clients take only approved credit counseling and debtor education classes.  This bankruptcy court’s jurisdiction consists of Wayne County, Stark County, Holmes County, Tuscarawas County, Ashland County, Carroll County, Richland County and Crawford County.  A link to the Canton Bankruptcy Court can be found here.  The hearings for Chapter 7 bankruptcy cases are held at the trustee hearing room in the Ralph Regula Federal Building and United States Courthouse, 401 McKinley Avenue S.W., Canton, Ohio 44702.  The hearings for Chapter 13 bankruptcy petitions are held in the same location as the Chapter 7 hearings.  Canton Chapter 13 hearings begin with a mandatory informational class with the bankruptcy filers only, followed by the actual hearing with the Chapter 13 trustee and the debtor’s attorney present.  This class does not take the place of the mandatory financial management class. (more…)

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