Monthly Archives: September 2012

If I file bankruptcy, will I lose my car or home?

In most cases, you will not lose your home or car during your bankruptcy case as long as your equity in the property is fully exempt. Continue reading

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I am filing bankruptcy in Ohio, will I lose everything?

If you live in Ohio, you must use the Ohio exemption law. You cannot use the federal exemptions. You should consult a skilled bankruptcy attorney to discuss with you how Ohio exemption laws apply to your individual case. Continue reading

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I am filing a bankruptcy in Kentucky, will I lose everything?

If you live in Kentucky, you may claim the protection of the federal exemption law or the state exemption laws, consult a skilled bankruptcy attorney to determine which exemptions to use. Continue reading

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What is the Fair Debt Collections and Practices Act?

The Fair Debt Collection and Practices Act (FDCPA) prohibits debt collectors from using abusive, decep­tive, and unfair debt collection practices. Continue reading

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Can a debt collector sue me or have me arrested?

Many debt collector callers can be very abusive. Most of them get paid on commission. It is important to know that they are not allowed to threaten you. Continue reading

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I have a debt collector calling me, what should I do?

Once you have retained an attorney, you can refer any debt collection calls to your attorney who will handle them for you.
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If my wages are being garnished, what can I do?

There are three main ways to stop the garnishment: negotiate a settlement; negotiate a payment plan; or file bankruptcy. Continue reading

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What are the pros and cons of filing for bankruptcy?

The disadvantages to filing bankruptcy are much fewer than the advantages. Continue reading

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Could I still owe anything even after filing bankruptcy?

Many people think that once they file bankruptcy, all of their debts are erased. This is not true. There are some debts that cannot be eliminated in bankruptcy. Continue reading

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When should someone consider filing bankruptcy?

If you feel you are you in trouble, you should consult with a bankruptcy attorney to discuss your options, some of which may not involve filing bankruptcy at all. Continue reading

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