http://ohiobankruptcysource.com Cleveland Area Bankruptcy Attorney Who Gets People Out Of Debt Fri, 03 Feb 2012 23:51:42 +0000 en hourly 1 http://wordpress.org/?v=3.3.1 http://feedproxy.google.com/~r/ohiobankruptcysource/WBnJ/~3/CfQZZA9R_3Q/ http://ohiobankruptcysource.com/r-for-reaffirmation-agreement/#comments Thu, 02 Feb 2012 18:27:04 +0000 Bill Balena http://ohiobankruptcysource.com/?p=2490 #leftcontainerBox { float:left; position: absolute; top: 60%; left: 70px; } #leftcontainerBox .buttons { float:left; clear:both; margin:4px 4px 4px 4px; padding-bottom:2px; } #bottomcontainerBox { height: 30px; width:50%; padding-top:1px; } #bottomcontainerBox .buttons { float:left; height: 30px; margin:4px 4px 4px 4px; } The reaffirmation agreement is nothing new in bankruptcy law.  It is basically an agreement that you will continue to pay on a debt, even though you have been discharged in bankruptcy.  The debt normally addressed by a reaffirmation agreement is a secured debt.  I have only done one for an unsecured creditor, but we later... Related posts:

1. Is Reaffirming a Debt a Good Idea?
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]]> http://ohiobankruptcysource.com/r-for-reaffirmation-agreement/feed/ 2 http://ohiobankruptcysource.com/r-for-reaffirmation-agreement/ http://feedproxy.google.com/~r/ohiobankruptcysource/WBnJ/~3/bOvzfdKWEq8/ http://ohiobankruptcysource.com/q-for-quitclaim/#comments Wed, 01 Feb 2012 18:44:00 +0000 Bill Balena http://ohiobankruptcysource.com/?p=2468 #leftcontainerBox { float:left; position: absolute; top: 60%; left: 70px; } #leftcontainerBox .buttons { float:left; clear:both; margin:4px 4px 4px 4px; padding-bottom:2px; } #bottomcontainerBox { height: 30px; width:50%; padding-top:1px; } #bottomcontainerBox .buttons { float:left; height: 30px; margin:4px 4px 4px 4px; }  A quitclaim deed, discharge and a bank walk away. What do these items have in common? For me, nothing, that is until this past week. On Monday different clients came in to my office with the same conundrum. Clients with Discharge and Bank Walk Away Each received a bankruptcy discharge. I allowed neither to reaffirm... Related posts:

1. House Did Not Sell At Foreclosure Sale Date

]]> http://ohiobankruptcysource.com/q-for-quitclaim/feed/ 2 http://ohiobankruptcysource.com/q-for-quitclaim/ http://feedproxy.google.com/~r/ohiobankruptcysource/WBnJ/~3/-UcDhlDUlxM/ http://ohiobankruptcysource.com/p-phone-call/#comments Tue, 31 Jan 2012 19:47:17 +0000 Bill Balena http://ohiobankruptcysource.com/?p=2457 #leftcontainerBox { float:left; position: absolute; top: 60%; left: 70px; } #leftcontainerBox .buttons { float:left; clear:both; margin:4px 4px 4px 4px; padding-bottom:2px; } #bottomcontainerBox { height: 30px; width:50%; padding-top:1px; } #bottomcontainerBox .buttons { float:left; height: 30px; margin:4px 4px 4px 4px; } Return a phone call to your client. What a novel concept. I have had two situations over the past few years where frustrated people had chapter 13 lawyers who would not return their calls. One of them posted a testimonial on my home page. Each of these poor people had different lawyers. I refer to... Related posts:

1. 5 More Reasons To Call Another Bankruptcy Lawyer

]]> http://ohiobankruptcysource.com/p-phone-call/feed/ 2 http://ohiobankruptcysource.com/p-phone-call/ http://feedproxy.google.com/~r/ohiobankruptcysource/WBnJ/~3/CmauIi5YRu4/ http://ohiobankruptcysource.com/o-for-old/#comments Sun, 29 Jan 2012 22:47:07 +0000 Bill Balena http://ohiobankruptcysource.com/?p=2440 #leftcontainerBox { float:left; position: absolute; top: 60%; left: 70px; } #leftcontainerBox .buttons { float:left; clear:both; margin:4px 4px 4px 4px; padding-bottom:2px; } #bottomcontainerBox { height: 30px; width:50%; padding-top:1px; } #bottomcontainerBox .buttons { float:left; height: 30px; margin:4px 4px 4px 4px; } Eight years between Chapter 7 bankruptcy cases.  Many who come to me really don’t pay attention to what was taken away from them by government in bankruptcy reform.  Few understand the years required between their old and their new bankruptcy cases.  These break into four classes: Eight between filing chapter 7 bankruptcy cases. Six between chapter... Related posts:

1. I is for Involuntary Bankruptcy
2. N is for Never
3. C is for Cosigner

]]> http://ohiobankruptcysource.com/o-for-old/feed/ 2 http://ohiobankruptcysource.com/o-for-old/ http://feedproxy.google.com/~r/ohiobankruptcysource/WBnJ/~3/SO2dXNo17Ic/ http://ohiobankruptcysource.com/n-for-never/#comments Fri, 27 Jan 2012 17:39:59 +0000 Bill Balena http://ohiobankruptcysource.com/?p=2418 #leftcontainerBox { float:left; position: absolute; top: 60%; left: 70px; } #leftcontainerBox .buttons { float:left; clear:both; margin:4px 4px 4px 4px; padding-bottom:2px; } #bottomcontainerBox { height: 30px; width:50%; padding-top:1px; } #bottomcontainerBox .buttons { float:left; height: 30px; margin:4px 4px 4px 4px; } You finally decide to file bankruptcy. I do not expect you to be a lawyer, or to even know the law. There are two things you should never ever do financially, especially in the lead up to bankruptcy.  Each basically involves debt consolidation instead of bankruptcy. When should you do them? NEVER! The things you... Related posts:

1. Bankruptcy Lets You Keep 401k
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]]> http://ohiobankruptcysource.com/n-for-never/feed/ 2 http://ohiobankruptcysource.com/n-for-never/ http://feedproxy.google.com/~r/ohiobankruptcysource/WBnJ/~3/7dUhLS4B8tw/ http://ohiobankruptcysource.com/m-for-mistakes/#comments Thu, 26 Jan 2012 21:46:08 +0000 Bill Balena http://ohiobankruptcysource.com/?p=2401 #leftcontainerBox { float:left; position: absolute; top: 60%; left: 70px; } #leftcontainerBox .buttons { float:left; clear:both; margin:4px 4px 4px 4px; padding-bottom:2px; } #bottomcontainerBox { height: 30px; width:50%; padding-top:1px; } #bottomcontainerBox .buttons { float:left; height: 30px; margin:4px 4px 4px 4px; } Before you see me you need to avoid common mistakes in bankruptcy planning. You need information about bankruptcy.  Maybe you need to file.  Perhaps you are looking to find the right attorney for a loved one.  For whatever reason, you are here with me now.  I want to tell you a story.  It is about... Related posts:

1. N is for Never
2. No Preference Payments To Relatives Before Bankruptcy
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]]> http://ohiobankruptcysource.com/m-for-mistakes/feed/ 2 http://ohiobankruptcysource.com/m-for-mistakes/ http://feedproxy.google.com/~r/ohiobankruptcysource/WBnJ/~3/ABRuf4gJtgc/ http://ohiobankruptcysource.com/l-for-life-insurance/#comments Thu, 26 Jan 2012 18:02:02 +0000 Bill Balena http://ohiobankruptcysource.com/?p=2382 #leftcontainerBox { float:left; position: absolute; top: 60%; left: 70px; } #leftcontainerBox .buttons { float:left; clear:both; margin:4px 4px 4px 4px; padding-bottom:2px; } #bottomcontainerBox { height: 30px; width:50%; padding-top:1px; } #bottomcontainerBox .buttons { float:left; height: 30px; margin:4px 4px 4px 4px; } Life insurance enjoys special treatment in bankruptcy. To begin, there are two basic types: Term life, and Whole life Term Life Insurance This type of life insurance I what most people have. It is the kind that if your employer will often provide as a benefit. Typically it has a far lower premium than it’s... Related posts:

1. Insurance Cash Value or Surrender Value in Bankruptcy
2. N is for Never

]]> http://ohiobankruptcysource.com/l-for-life-insurance/feed/ 4 http://ohiobankruptcysource.com/l-for-life-insurance/ http://feedproxy.google.com/~r/ohiobankruptcysource/WBnJ/~3/bxv5crTpm0w/ http://ohiobankruptcysource.com/k-for-know/#comments Wed, 18 Jan 2012 18:31:11 +0000 Bill Balena http://ohiobankruptcysource.com/?p=2350 #leftcontainerBox { float:left; position: absolute; top: 60%; left: 70px; } #leftcontainerBox .buttons { float:left; clear:both; margin:4px 4px 4px 4px; padding-bottom:2px; } #bottomcontainerBox { height: 30px; width:50%; padding-top:1px; } #bottomcontainerBox .buttons { float:left; height: 30px; margin:4px 4px 4px 4px; } Debt Settlement company ads are something that I pay attention to on television.  I listen to the noise of these companies because I witness first hand the harm they do to people in desperation.  This one was hard to miss because of the messages.  They know all the buzzwords to light up anyone in debt.... Related posts:

1. C is for Cosigner
2. N is for Never
3. I is for Involuntary Bankruptcy

]]> http://ohiobankruptcysource.com/k-for-know/feed/ 3 http://ohiobankruptcysource.com/k-for-know/ http://feedproxy.google.com/~r/ohiobankruptcysource/WBnJ/~3/5ILyGGrTnvU/ http://ohiobankruptcysource.com/j-for-judicial-lien/#comments Sat, 31 Dec 2011 01:43:56 +0000 Bill Balena http://ohiobankruptcysource.com/?p=2325 #leftcontainerBox { float:left; position: absolute; top: 60%; left: 70px; } #leftcontainerBox .buttons { float:left; clear:both; margin:4px 4px 4px 4px; padding-bottom:2px; } #bottomcontainerBox { height: 30px; width:50%; padding-top:1px; } #bottomcontainerBox .buttons { float:left; height: 30px; margin:4px 4px 4px 4px; } A judicial lien is a little surprise Ohio law has for you if you lose a lawsuit in Lorain County. Remember those guys who run for State office every four years? They promise you everything and anything to get your vote. Then they deliver to the credit card companies, banks, and pay day lenders who... Related posts:

1. Foreclosure After the Sheriff Sale
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]]> http://ohiobankruptcysource.com/j-for-judicial-lien/feed/ 5 http://ohiobankruptcysource.com/j-for-judicial-lien/ http://feedproxy.google.com/~r/ohiobankruptcysource/WBnJ/~3/m47J6AeYIk8/ http://ohiobankruptcysource.com/i-for-involuntary-bankruptcy-2/#comments Wed, 28 Dec 2011 20:29:48 +0000 Bill Balena http://ohiobankruptcysource.com/?p=2304 #leftcontainerBox { float:left; position: absolute; top: 60%; left: 70px; } #leftcontainerBox .buttons { float:left; clear:both; margin:4px 4px 4px 4px; padding-bottom:2px; } #bottomcontainerBox { height: 30px; width:50%; padding-top:1px; } #bottomcontainerBox .buttons { float:left; height: 30px; margin:4px 4px 4px 4px; } Involuntary chapter 7 bankruptcy happens when a creditor files against you in bankruptcy court to force the sale of your non-exempt assets to satisfy a debt. Not just any creditor can file such a proceeding against you: You cannot have more than 12 unsecured creditors. The filing creditor must have a non-contingent, undisputed unsecured claim... Related posts:

1. N is for Never
2. C is for Cosigner
3. Left a Bill Off Your Bankruptcy?

]]> http://ohiobankruptcysource.com/i-for-involuntary-bankruptcy-2/feed/ 4 http://ohiobankruptcysource.com/i-for-involuntary-bankruptcy-2/