May
212020
Ohio Bankruptcy: Dealing With the Reality of Your Situation
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 calls, you should be…
Read More >Apr
242020
10 Things to Do Before You File Bankruptcy
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 that was in your checking…
Read More >Feb
252020
Is there a certain amount of debt to qualify for bankruptcy?
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 Have to File Bankruptcy?…
Read More >Jan
202020
Can Bankruptcy Stop Foreclosure?
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 after you miss three or…
Read More >Nov
252019
Can You File Bankruptcy on Medical Bills?
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 can also provide an opportunity…
Read More >Oct
312019
How Long Does Bankruptcy Chapter 7 Take?
If you’re considering filing for Chapter 7 bankruptcy, you likely have questions about the process. How long does bankruptcy Chapter 7 take, and what can you expect in terms of a timeline? A typical Chapter 7 bankruptcy filing takes 4-6 months to complete. But depending on the specifics of your case, that time frame may vary. At Andrade Law Office…
Read More >Sep
262019
Chapter 7 vs Chapter 13: Which Option Is Best for Me?
By now, you're probably already aware of the benefits of bankruptcy. But which chapter should you file? What are the pros and cons of Chapter 7 vs Chapter 13? The decision to file bankruptcy is a weighty one. A Middletown OH bankruptcy attorney can help you fully understand your options and determine which chapter best suits your circumstances. What Is Chapter…
Read More >Aug
272019
How Often Can You File Bankruptcy?
If you’ve filed bankruptcy before, can you file again? How often can you file bankruptcy? The answer depends on a variety of factors, including what type of bankruptcy you filed in the past and whether or not it was dismissed. What Are the Limitations on Filing Bankruptcy? Although there are no limits on how many times you can file bankruptcy…
Read More >Jul
312019
Can One Spouse File Bankruptcy Without the Other?
Thousands of married couples file for bankruptcy each year. But if you and your partner are struggling with debt, you likely have many questions. How will bankruptcy affect my spouse? Can one spouse file bankruptcy without the other? The short answer is yes, you can file bankruptcy without your spouse. But before you make that decision, it's important to understand your filing options,…
Read More >Apr
162019
What Happens When You File Bankruptcy?
The word bankruptcy used to strike fear, desperation, and failure in the hearts of many. But in today's changing economic climate, it's not unusual for hardworking Americans to find themselves in financial situations that are nearly impossible to get out of. And struggling families must do what they can to provide for their families. Sometimes that means taking on debt. When that debt reaches…
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