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What qualifies as creditor harassment?

Contact from creditors is just one of the many consequences of overwhelming debt. You know that when you fall behind on your payments, it is normal to receive phone calls and deal with bills and late notices that come in the mail, but there are limits to what creditors can do. Even when in debt, you do not have to put up with certain types of harassing behaviors from debt collectors.

Might one of these options keep you from losing your home?

Many people, including, perhaps, some in Ohio, go through life trying to avoid thinking about their problems in the hope that they'll eventually go away. Others, perhaps yourself included, prefer to meet their problems head on. You might consider yourself somewhere in between these two extremes, but when it comes to financial trouble, evidence suggests that waiting too long to do something about a potential problem may lead to utter disaster, especially where ownership of your home is concerned.

If I file for bankruptcy, will I have to give up my stuff?

Filing for bankruptcy is never an easy decision. One of the most common things that holds Ohio residents back from making this often beneficial decision is fear of losing personal property. While this is a normal fear, people who file for Chapter 7 bankruptcy often find themselves relieved to learn that they can, in fact, keep many or most of the things they hold dear.

What you may not know about the Chapter 13 bankruptcy process

It can be disheartening and overwhelming to know that you cannot manage your debt on your own. This feeling of helplessness may only get worse when you fall behind on your mortgage, eventually receiving threats of foreclosure from creditors. The threat of losing your home can make you feel like all hope is lost, but you may still have an option in the form of Chapter 13 bankruptcy.

Finding the right path for debt relief with an attorney's advice

If you are constantly dealing with overwhelming debt and worry that you may never make it back into the positive, you're likely also searching for debt relief options. The reality is that many people have been in your shoes at some point in life, and although your circumstances may be different, the answer to your debt problems could be the same.

If you walk away from your mortgage, you might walk into trouble

Most Ohio residents know what it's like to face financial challenges. In fact, you'd likely be hard-pressed to find an average citizen in the nation who hasn't had money trouble at one time or another. Sometimes, things just get a little out of hand -- perhaps, unexpected medical bills arise, or someone loses a job, and it suddenly becomes difficult to make ends meet. Many people facing such circumstances simply set their bills aside while they put food on their tables and otherwise cover the cost of daily living.

Are debt collectors violating your consumer rights?

If you have overwhelming debt, you undoubtedly think about your unpaid balances on a regular basis. You may wonder how you can get out from under your liabilities in a timely and effective manner. Because the debt itself can cause you to experience significant stress, your situation may worsen if you begin to feel harassed by debt collectors.

Is there life after bankruptcy?

Even if your finances frustrate you and the debt you carry is a burden, the thought of declaring bankruptcy may leave you with too many questions. Most pressing of all those concerns may revolve around the uncertainty of what will happen to you after the completion of the bankruptcy. Will you ever get out from under the stigma of having declared bankruptcy? How will you manage on your own as you attempt to move forward?

Cancer treatments are a leading cause of medical debt

Did you know that cancer treatments are a leading cause of medical debt in Ohio and across the country? A cancer diagnosis is a devastating thing for anyone to face. Not only is it mentally and physically challenging to fight, but it can also have a significant impact on an individual's and family's financial situation.