August 17, 2016 | WHITEHALL REIMBURSEMENT PROGRAM – APPLICATIONS ARE NOW BEING ACCEPTED
This morning the City of Whitehall announced that it has created the Home Reinvestment Program to financially assist residents with their front-facing exterior home projects. Homeowners can start applying for an assistance now. Throught this program, homeowners are able to receive a reimbursement of 50 percent of front-facing exterior home remodeling projects, up to $7,500. Approved driveway projects will be reimbursed at 25 percent, up to $7,500. Complete guidelines for qualification can be found on the City’s website at http://www.whitehall-oh.us/DocumentCenter/View/509. The Lowe’s store, located at 3616 E. Broad St., will also provide discounts to residents
READ MOREAugust 10, 2016 | MY GAMBLING PROBLEM HAS GOTTEN ME INTO DEBT. CAN I FILE BANKRUPTCY?
There is a certain allure to gambling, the promise of a big payout can be extremely enticing, especially when you are on vacation in Las Vegas or Atlantic City and your usual guards are down. Whether it’s playing the lottery or the slots, sometimes people think that if they spend just one more dollar, they could hit the jackpot and wash all of their financial woes away. While some people do win when they gamble, many more lose and unfortunately when we turn to gambling to either feed our addictions or solve are financial problems,
READ MOREAugust 10, 2016 | WHEN IS THE RIGHT TIME TO FILE FOR BANKRUPTCY?
The benefit to filing for bankruptcy is the fresh start it provides to those that have gotten behind on important payments. However, simply being a little behind does not mean that you should file for bankruptcy. Making this claim involves significant thought and consideration about the potential outcomes. FILING FOR BANKRUPTCY SHOULD BE THE LAST RESORT The first step before choosing to file is to look at all your available options. Knowing what kinds of debt you have can help you develop a plan to remove the debt and understand how filing for bankruptcy can
READ MOREJuly 22, 2016 | CAN I KEEP MY CAR IF I FILE BANKRUPTCY? WHAT ABOUT MY HOUSE?
The purpose of a bankruptcy filing is to get out of debt and allow the debtor (the person filing bankruptcy) to receive a fresh financial start. However, it does not necessarily mean that a debtor will need to start all over with no car and no house or other assets to his name. The Bankruptcy Code and the laws of the State of Ohio have built in protections that debtors can take advantage of in order to keep their assets, such as a car, a house, a retirement account, and even money in the bank.
READ MOREJuly 25, 2015 | CHAPTER 13 BANKRUPTCY: WHAT IS IT? CAN I CHANGE THE PLAN AFTER I HAVE FILED?
UNDERSTANDING CHAPTER 13 BANKRUPTCY Chapter 13 of the United States Bankruptcy Code allows the debtor to use his or her income to pay some or all debts that are owed to creditors. It includes a payment plan that lasts for three to five years which lays out how much and how you will pay off your debts. The specific length of the bankruptcy will depend on the size of the filer’s income and debts. Before you can go forward, you will need to have the court approve your payment plan. MODIFYING YOUR PAYMENT PLANS There
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