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Can Filing for Bankruptcy Stop a Civil Lawsuit?

Bankruptcy is a legal process that is designed to help you recover financially after you go so deep in debt that you have no effective way to pay off what you owe. When used properly, it can give you a fresh financial start. Typically, people declare bankruptcy as a final measure when all other options have been exhausted. This is the intended use of this legal action. Unfortunately, waiting until the last minute means that you might be the subject of civil lawsuits from creditors s... CONTINUE READING

Smart Strategies for Paying Off Multiple Credit Cards Quickly

Credit cards can be a great fallback if you’re temporarily running short on funds. Some even come with cash back or other rewards. However, if you don’t promptly pay off credit card debt, it can grow over time and rapidly become unmanageable. Are you unsure of how to start lowering your debt most effectively? Check out these smart strategies for paying off multiple credit cards quickly. The sooner you start paying down credit card debt — even if you... CONTINUE READING

What to Do After Filing for Bankruptcy

If you’ve been struggling financially for years and have finally filed for bankruptcy, you might breathe a sigh of relief. However, if you want your credit to recover as efficiently as possible, there’s still work to be done. Here’s what to do after filing for bankruptcy to start moving toward a sounder financial future. Filing for bankruptcy can create a clean slate, but the actions you take immediately afterward can establish the trajectory of you... CONTINUE READING

Debt Relief or Bankruptcy?

Dealing with substantial debt can often feel overwhelming or impossible. However, you have more options for addressing debt than you may realize. Two common ways to deal with major debt are debt relief and bankruptcy. Each comes with its own set of risks and benefits — and you should ensure you understand those risks and benefits before committing to one or the other. So what is the difference between debt relief and bankruptcy? Here’s a closer look.... CONTINUE READING

Which Credit Card Should You Pay Off First? A Simple Guide

No one intends to go into significant debt. However, given the rapidly rising cost of living, millions of people are finding it difficult or impossible to chip away at their credit card debt. If you’re taking the first step toward better financial footing, you need the answer to one question — which credit card should I pay off first? Here’s a look at some strategies to consider. There’s no single strategy for paying off credit cards. However, one... CONTINUE READING

How Does Bankruptcy Affect Your Credit Score?

Are you having trouble managing debt? If you have an overwhelming amount of debt and don’t see any way to achieve financial stability, it may be worth considering filing for bankruptcy. Declaring bankruptcy is a major decision, and you should consider all angles before doing so. How does bankruptcy affect your credit score? Here’s a closer look. Although bankruptcy can initially lower your credit score, it may be the best way to work toward a better f... CONTINUE READING

Filing for Bankruptcy in Ohio After a Foreclosure Sale: Is It Too Late?

Facing a foreclosure is a stressful and emotional experience for any homeowner. For a lot of people, understanding the impact of a foreclosure sale on bankruptcy brings up a possible solution to dealing with their debts and financial instability. But is it too late to file for bankruptcy once the sale is done? Understanding the Impact of a Foreclosure Sale A foreclosure sale is the last step in the foreclosu... CONTINUE READING

Chapter 7 vs. Chapter 13 Bankruptcy in Ohio: How They Affect Foreclosure

If you’re struggling with mortgage payments and facing the possibility of foreclosure in Ohio, understanding Chapter 13 and Chapter 7 bankruptcy and foreclosure is important for making informed decisions about your financial future. Both offer options that address foreclosure, but the benefits and consequences are different, as are their processes. Chapter 7 Bankruptcy and Foreclosure What Is Chapter 7 Bankruptcy? Sometimes called fresh start bankruptcy, Chap... CONTINUE READING

How Bankruptcy Can Impact the Foreclosure Process in Ohio

Foreclosure can be a daunting process to face. Many homeowners in Ohio wonder what can be done to stop or reverse a foreclosure once it’s initiated. In some cases, filing for bankruptcy can potentially be an effective move for a property owner facing foreclosure, due to the automatic stay involved with bankruptcies. Understanding the automatic stay and its impact on foreclosure can help you discover the right solution for your financial situation. Are you in need of solutions f... CONTINUE READING

Chapter 13 Bankruptcy and Foreclosure in Ohio: A Powerful Solution

Mortgage problems can impact your life in a range of ways, and solving them can be a daunting challenge. For some in facing financial difficulty in Ohio, Chapter 13 bankruptcy may be a solid answer to financial troubles. However, before filing, understanding Chapter 13 bankruptcy is crucial to the success of the process. If you are exploring filing for Chapter 13, the experienced bankruptcy attorney at Fesenmyer Law Office can help. Call 614-228-4435 (Columbus), 937-222-7472 (Day... CONTINUE READING

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    Can Filing for Bankruptcy Stop a Civil Lawsuit?

    Bankruptcy is a legal process that is designed to help you recover financially after you go so deep in debt that you have no effective way to pay off what you owe. When used properly, it can give you a fresh financial start. Typically, people declare bankruptcy as a final measure when a...