Prior to coming to the realization that their debts are overwhelmingly out of control, the majority of Ohio bankruptcy filers usually have stopped making payments over a fair amount of time already. If you're still in the early stages of nonpayment such that you have just started to get the menacing letters and threatening phone [...]
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Problem-free bankruptcy requires planning. You can save yourself some serious headaches by checking these 10 items off your to-do list before you file. #1 Move Money to Avoid Setoffs If you owe money to a bank at which you also have deposit accounts (e.g. checking, savings, money market accounts), the bank can use the balance [...]
If you are in a difficult financial situation, you may wonder if there are debt qualifications for bankruptcy. How much debt do you have to have in order to file Chapter 7 or Chapter 13? Andrade Law Office LLC can help you answer that question. Call us today for a confidential consultation. How Much Debt Do I Have to [...]
Struggling to meet your monthly mortgage payments may put your home in danger of foreclosure. Fortunately, filing for bankruptcy may help your situation. Below we'll examine how can bankruptcy stop foreclosure, as well as which type of bankruptcy you should file. How Does Foreclosure Work? Though constrained by state law, the process of foreclosure typically begins [...]
Unexpected medical crises often lead to costly treatments and operations. If you're missing work due to your injuries, then you may also be struggling to pay the bills. While it may seem impossible to overcome your mounting debt, you do still have some options. Bankruptcy can not only help you discharge your debt, but it [...]
Filing for bankruptcy doesn't mean that your financial life is over. In fact, it can provide a fresh start and allow you to build a better financial future than you've ever had. Learning how to rebuild credit after bankruptcy can help you take steps you need to avoid similar problems in the future. Preparing for those future [...]
Many people struggling with debt are tempted to file bankruptcy on their own. But while filing bankruptcy without an attorney is possible, it isn't easy and could lead to costly mistakes. Here are some very important things you need to consider before going ahead with your bankruptcy filing. To learn more, contact the Andrade Law Office, LLC today. Do You [...]
If you're in danger of immediate legal action such as a foreclosure or wage garnishment, bankruptcy can provide much-needed relief, either temporarily or permanently, through the automatic stay. A stay is a court order that takes immediate effect when you file bankruptcy. It prevents creditors, collection agencies, or civil lawsuits from taking action against you. [...]
If you need assistance in deciding when to file Chapter 7 bankruptcy, we can help you. We understand bankruptcy procedures and we know this decision affects more than just your finances. To learn more about when to file Chapter 7 bankruptcy and for help in making an informed decision, contact our West Chester, Ohio Bankruptcy attorney at [...]
The meeting of creditors, also called the 341 hearing, is where you meet with your bankruptcy trustee before your court appearance. This 5-to-10-minute meeting is required by section 341 of the Bankruptcy Code. To learn more about how to prepare for your 341 hearing, speak to a bankruptcy attorney at Andrade Law Offices. Who Must Attend the Meeting of [...]
When a monetary crisis strikes and you just can't find a why to pay your bills, bankruptcy may seem like the only way to make a fresh start. But because of the stigma many associate with bankruptcy, you may be wondering, "Is bankruptcy right for me?" The answer is, it depends on a myriad of [...]
Believe it or not, filing for bankruptcy can help you stop foreclosure. That may sound odd, and you may be wondering right about now how that would work. Well, it depends on which type of bankruptcy you choose, and how it applies in your case. Needless to say, you'll need professional help to apply this option in the [...]
Don't let the bankruptcy myths fool you. Bankruptcy isn't the end of the world, nor is it an option only for the desperate. On the other hand, it's not all sunshine and roses, either, or an easy out for all your financial woes. Annually, close to 1.5 million Americans file for bankruptcy, some of them [...]
No one likes being in debt, but it's especially annoying when you can't seem to stop creditor harassment. Many collectors will bug you night and day with unpleasant phone calls and threatening letters. Wouldn't you like to be able to shut them up and cut back on the stress? Actually, you can, and we can [...]