Category Archives: Debt

How to build credit after bankruptcy

We are bankruptcy attorneys located in Middletown, Ohio.  We specialize in Chapter 7 and Chapter 13 bankruptcy filings.

Struggling with debt?  Exhausting your funds trying to get out of debt? Borrowing from Peter to pay Paul every month.  Avoiding the collection calls and checking the mailhands.  Many know that they are struggling and at the end of their rope, but are just scared to file for bankruptcy.  Filing could solve many of these financial difficulties, but they are afraid that if they file they will ruin their credit for the rest of their lives.  This is simply not true.  Actually just letting things go will ruin their credit more than filing. Just letting the debt go will result in court proceedings and judgments on credit reports. These judgments will stay on the credit report for as long if not longer than a bankruptcy, as a judgment will stay on the credit report until it is satisfied and will also continue to accrue interest.  Even once you do satisfy the judgment it will show on the credit report as satisfied.  This will still let creditors know that you have had financial difficulty and they will judge you on this basis.


It will not be difficult to re-build your credit after a bankruptcy filing.  Any debt that you keep (such as a home or vehicle) will automatically report on your credit report and start to re-build your credit score.  The important thing is to pay all debts on time and do not have any debts go to collection after a bankruptcy filing.  You can even qualify to buy a home two years after a bankruptcy filing, with a good clean report.  You will be surprised at the amount of credit card offers you will receive after filing.  Creditors also know that you cannot file again for quite some time and are therefore willing to offer more credit.

Filing for bankruptcy does not mean that you are a bad person, just a person in a bad financial situation. Filing for bankruptcy protection will help you out of that bad financial situation and hopefully you will not have to experience the situation again.  We are here to walk you through the process and make it as easy as possible for you to go through. Our attorneys have a combined experience of over 40 years and will be able to make filing seem simple and stress free.


At our law office we will offer you a free consultation.  At this free consultation you will be able to sit down with one of our experienced attorneys and discuss your case.  The attorney will then be able to advise you if bankruptcy is the best option for you and quote you a fee for the images6services.  If you decide to move forward a small retainer will get things started and we will then accept monthly payments until your fees are paid and we would then file your case. Your court date will be approximately 6 weeks out from your filing date.  Once your case is filed all of your creditors will be notified by the court by US mail, they will no longer be allowed to collect on these debts in any manner.


For more information check out our website at or call 513-422-2994 today for your free consultation to get a jump on your fresh financial start.  We are your Middletown, Ohio bankruptcy attorney.

Cold Weather & Bankruptcy

We are bankruptcy attorneys located in Middletown, Ohio.

Isn’t this a nice winter we are having.  Plenty of snow, ice and cold!  This makes for high utility bills.  Just getting out of the bed in the morning seems to take a tremendous effort.  Beep Beep goes the alarm clock, but warm bed says your brain!  In the mean time even if you have set down the thermostat in your home you can hear your furnace or heaters working their little hearts away to keep your home warm.  Hopefully you winterized your home, put up the plastic to the windows, extra sealant around the door, block off rooms you don’t use.  These are all good and will help keep you warm.  But when the jet stream dips for days on end this will lead to more stress and higher utility costs.

Did you know that it is possible to file for bankruptcy protection and stop a utility shut off.  Yes, this is true, if you are struggling with your gas and electric bill you may file for bankruptcy on the past due amount to allow your services to remain on.

It is the time of year when your debt just swallows you up.  You just had Christmas and probably used your credit cards, now those debts are due.  Vehicles seem to break down more often in the cold weather, vehicles just aren’t made for this kind of environment.  And then you have the higher utility costs.  This could result in additional costs for your budget.  It can all become quite overwhelming.


Do not stress over all of this!  Bankruptcy may be the solution for all of your stresses!  Bankruptcy is designed to wipe out your debt and give you a fresh financial start.  You can file for bankruptcy protection on credit card debts, medical debts and a bankruptcy filing can stop a utility shut offs!

Contact our office today for your free consultation.  At this consultation you will be able to sit down and discuss your individual situation with one of our experienced attorneys.  The attorney will be able to guide you in the best direction for your financial future.


Do not stress over the fees of filing for bankruptcy protection.  At our law firm we will offer you a free consultation.  The attorney will quote you a fee at this consultation.  Our fees are fair and reasonable and based on your individual case.  A small retainer fee will retain our office.  Once you put down the retainer you will be able to refer your creditors to our office until your case is filed.  We will then accept monthly payments until you pay in full, then we file your case.  If you are able to pay all of your fees up front that is great too!


For more information check out our website at

Contact our Middletown, Ohio office today for your free bankruptcy consultation.

Christmas Debt

We are bankruptcy attorneys located in Middletown, Ohio.

Did you know that half of all shoppers plan to borrow money to pay for Christmas.

Taking on debt isn’t the end of the world as long as it gets paid off promptly. But many Americans don’t seem to have such a fiscally responsible outlook: 36 percent in one survey said that buying presents for loved ones was more inmportant than sticking to a budget or not taking on more credit card debt. Retailers will be happy to note that of the 90 percent of Americans planning to buy gifts this season, almost a third of them (31 percent) approach the task with no predetermined spending limit. This is just what they want. Of course they are in business to make money, but does that really have to be at your cost. Once those monthly statements come rolling in, debtors may not be able to make the monthly payments. Cutting corners in other ares such as food and their utlities. Every time you go to the grocery store they’ve raised their prices again and many americans will be facing increased health insurance rates in the coming year.

All of this will add up to more people struggling to pay their living expenses, let alone their debt. Some may resort to pay day loans, which is a viscious cycle, once you pay them back you need to take out another loan because you have paid them all of your money and the same the next time you get paid!

We can help you file for bankruptcy. Bankruptcy may be the solution to your financial problems. At our office we offer a free consultation where you can sit down and talk to an experienced knowledgable bankruptcy attorney. He will be able to explain your options and you will know what you plan to do by the time you leave our office. Bankrupcty does not hold the old stigma of the past, in todays economy bankruptcy is quite common.

For more information check out our website at

If you are intersted in filing for bankruptcy contact our Middletown, Ohio bankruptcy attorney today.