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August 17, 2016 | WELCOME TO OUR NEW WEBSITE AND BLOG

We are pleased to announce the launch of our new website and blog!

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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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August 17, 2016 | WHAT ARE THE EXCEPTIONS TO DISCHARGE IN BANKRUPTCY?

The purpose of filing bankruptcy is to eliminate debt. However, the Bankruptcy Code provides for certain exceptions to discharge. In other words, even if you file bankruptcy and are granted a discharge where your debt is eliminated, you may still owe certain types of debt. Only an experienced bankruptcy attorney can advise you as to whether your debt will be discharged and eliminated at the end of your case. However, for general purposes, you can expect to remain liable on the debt listed below, even after you file and receive a discharge in bankruptcy: Student

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August 17, 2016 | WHAT WILL HAPPEN IF I DON’T FILE MY TAX RETURN ON TIME? WHAT IF I HAVE TAXES FROM PAST YEARS THAT I STILL NEED TO FILE?

This year, 2013 individual tax return filings are due to the Internal Revenue Service (IRS) no later than April 15, 2014. The deadline is the same for state, local, and school district taxes in Ohio. A common and unfortunate misconception for tax filers is that taxes owed do not become due until the return is filed. That is not the case. Any taxes owed for 2013 tax year are due to be paid to the IRS, State, etc. by April 15, 2014, regardless of whether the return is filed. Many will say, “I couldn’t afford

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August 17, 2016 | CAN I DISCHARGE MY STUDENT LOANS? WHAT ARE MY OPTIONS?

What every student loan borrower, cosigner, and parent needs to know about student loans. Can I discharge my student loans? What are my options? Student loans are being dubbed as the next bubble to burst. According to 2012 reports from the Consumer Financial Protection Bureau and the Federal Reserve Bank of New York, Americans owe between $902 Billion and $1 Trillion in student loan debt. Comparatively, when the bubble burst on the housing market, there was approximately $14 Trillion of outstanding mortgage debt. An important difference to note is that mortgage loan debt is secured

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