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November 10, 2016 | Why You Should File for Bankruptcy with an Attorney

When most people think of attorney services, the first thing to come to mind is cost. Depending on your needs, the cost of an attorney can seem well outside your budget, and when you’re filing for bankruptcy, this can be a real concern. In order to save money, many people consider filing bankruptcy on their own. This is technically possible, but it isn’t a good idea. Instead, you really need professional bankruptcy guidance from a knowledgeable attorney. Here are just a few reasons why, when filing for bankruptcy, an experienced attorney is a must.

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August 17, 2016 | WHAT TO EXPECT AT YOUR 341 MEETING OF CREDITORS

The 341 Meeting of Creditors “341” is a mandatory statutory hearing required under the United States Bankruptcy Code. If you file for bankruptcy, you will be required to attend a 341. The purpose of this meeting is to ensure, on the record, that your testimony is 1) your own, 2) the truth, and 3) open to investigation. Your creditors, as you may have guessed, have the opportunity to inquire of the debt you made on your account. The United States Trustee and the case trustee also have the opportunity to ask questions of you. In

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August 17, 2016 | WHAT IS BANKRUPTCY? WHAT ARE MY OPTIONS?

Every day we are faced with decisions. Many times, there are several options and choices involved. From purchasing a new home or car, to purchasing lunch for the day, you often have limitless options to consider. However, for individuals considering bankruptcy filing, there are likely only a few bankruptcy Chapters to choose from. Why is this, and what is are your options? What are the differences and similarities and ultimately, what is best for you? First, let’s be sure to understand a few terms. Bankruptcy: Bankruptcy is federally codified law (Title 11 of the United

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August 17, 2016 | WHAT IS A CONFIRMATION HEARING? WHAT CAN I EXPECT?

Overview: A confirmation hearing is a court hearing required by the Bankruptcy Code and applies to Chapter 13 cases. A confirmation hearing does not occur in a Chapter 7 case. The purpose of the confirmation hearing is to ensure all parties in interest (creditors, the trustee(s), the debtor) agree with the debtor’s proposed Chapter 13 plan. If everyone is in agreement, the case is confirmed. If there is a challenge to the plan by any party, a confirmation hearing will be held in order for the judge to address and rule on the party’s concerns.

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August 17, 2016 | WHERE CAN I OBTAIN MY OHIO VEHICLE TITLE?

In a Chapter 7 bankruptcy case, if you own a vehicle, you will be required to show proof of ownership by presenting a copy of the vehicle title to the Chapter 7 case trustee. Your vehicle registration, insurance card, or lien release letter from a bank will not suffice for this proof of ownership. In order to show proof of ownership, you must present one of the following 1) In cases where you own a vehicle free and clear of liens, a copy of the free and clear vehicle title is required 2) In cases

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