5 Steps to Rid Yourself Of Debt Without Bankruptcy, Really?
Avoid bankruptcy in 5 steps. That is what the Finance Talking Hub says is a recent blog post. The person posing this question wants to start a business, but they do not want to file bankruptcy. I...
View ArticleHow To Borrow From 401k To File Bankruptcy
What happens if you borrow too much money from your 401k to file bankruptcy? A client recently created this problem. She desperately needed to file a chapter 7 as the result of a very large...
View ArticleBankruptcy Mill. One Size Fits None
Bankruptcy mill attorney ads are all over television. They bring you in, and churn your chapter 7 case through. Are your personal finances unique? Are they different from your neighbor? That is not...
View ArticleHow Long the Automatic Stay Lasts in Chapter 7 Bankruptcy
You file for Chapter 7 bankruptcy to get a discharge of your debts. You’re worried about how long it’s going to take for the case to go through the court system because you want to be rid of the...
View ArticleLocation Independent Law Office
My location independent law office protects you. Why? Very recently the law firm of a very close friend suffered disaster. For some unknown reason, one of the exterior walls of the office building...
View ArticleU is for Unauthorized Practice of Law
Unauthorized practice of law is an offense that is sometimes committed in bankruptcy. When it happens it is rarely intentional on the part of the debtors. In fact I personally never seen a person or...
View ArticleThe New Fraudulent Transfer
Fraudulent transfer of assets is live and well in Lorain County. This is an old story with a new wrinkle. A fraudulent transfer happens when you transfer money or property or money to another person...
View ArticleHow Does Your Attorney Arrive At the Bankruptcy Fee?
Two friends decided to make extra money selling watermelons outside the steel plant gate where they worked. They bought a truck, went down south and bought the melons for twenty five cents each. They...
View ArticleGay, Same Sex Marriage, and Bankruptcy
If you are gay and in a same sex marriage, bankruptcy help might be available to you in the Northern District of Ohio. This is precisely the circumstance facing a recent client. She originally planned...
View ArticlePay Day Loans, Gambling and Bankruptcy
What do you do when you want to be a high roller gambling at the casino, but you are not? You take out some pay day loans. That is the new trend among the working class in Cleveland. I wouldn’t call...
View ArticleKeep Your Tax Return from Your Creditors
Do you want your bankruptcy creditors to see all the personal information in your tax return? That is exactly what you allow to happen if you do not provide your most recently filed tax return to your...
View ArticleBankruptcy and Why You Need To Fight Your OVI
Bankruptcy and drunk driving or OVI as it is known in Ohio has a connection. If you are OVI and cause bodily injuries, the damages for those injuries are not dischargeable in bankruptcy. Sure, the...
View ArticleFight Your Ohio OVI
Bankruptcy cannot protect you from debts for bodily injuries you cause to another in an OVI related accident. You need to challenge the evidence any time you are faced with an OVI charge. You never...
View ArticleEarned Income and Additional Child Tax Credit in Bankruptcy
Chapter 7 bankruptcy Trustees are paid two ways. They receive a pittance of $60 to administer a “no asset” case. If they recover non-exempt assets then they are paid on a sliding scale based on how...
View ArticleBankruptcy And The Burning Pants
One of the most memorable rhymes of my childhood is, “liar, liar pants on fire.” Little did I understand then how important the truth will be to me in the practice of law. Everything in this business...
View ArticleHunting Your Tax Refund in Bankruptcy Court
The reaches of my law practice include much of rural Lorain, Cuyahoga, Medina and Huron counties. When I mention hunting season does it conjure ideas of deer rifles, 4 wheelers, days in the woods,...
View ArticleDid Marvin Sicherman Really Retire?
An era passed before my eyes in Cleveland Bankruptcy Court. Some barely noticed it. Others are glad it’s happened. Marvin Sicherman is retired. He will no longer be sitting as a chapter 7 trustee in...
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