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December 2017 Archives

Spousal and child support and Chapter 13

Chapter 13 bankruptcy allows an individual with significant debt and significant income to halt collections practices by creditors and restructure his or her finances to pay the debt down over time. While abiding by the strict guidelines laid out for a Chapter 13 restructuring, some debtors may place a stay on collections regarding child support or spousal support, but the bankruptcy does not allow discharge of these obligations.

Do I qualify for more than one Chapter 7 bankruptcy?

After discharging debt in a Chapter 7 liquidation, a debtor may sometimes need additional relief from his or her debt. While it is possible for a single person to receive multiple discharges under Chapter 7, it requires special planning and patience. There are a number of actions a debtor may take that could invalidate a second Chapter 7 procedure, leaving the debtor with many fewer options than he or she may believe are available.

Are your spouse’s credit cards your problem after divorce?

When a couple chooses to get divorced, knowing how to handle a spouse's credit card debt held within the marriage is often very difficult. While this is normal, that does not diminish how vitally important it is to make sure a person understands his or her relationship to their spouse's debt before he or she rushes into the divorce process.

How does wage garnishment work, and how can I make it stop?

There are many unpleasant consequences to owing a significant amount of debt. From dealing with constant harassment from creditors to facing threats of foreclosure, it can be both stressful and overwhelming for an Ohio consumer. This is especially true when you start losing part of your paycheck to wage garnishment.

Do you qualify for Chapter 7 bankruptcy?

Chapter 7 bankruptcy holds the legal power to grant some consumers with untenable debt a clean start, financially speaking. When Chapter 7 works effectively, a debtor follows the strict guidelines that apply to the process and receives much needed relief from overwhelming debt. With this relief, consumers have the opportunity to reset their financial lives and rebuild their lives from the ground floor.