Bankruptcy can help you catch up your utilities if you are behind. Utilities owed through the day of the bankruptcy are included in the bankruptcy.
The Law Offices of Wayne Novick and Associates sends you a questionnaire by email, fax or mail before your first appointment. We do that so
Most individuals or couples have 2 options when it comes to filing bankruptcy. They can file Chapter 7 or Chapter 13. Most people try to
Many clients are very nervous about the first meeting. They are not sure what to expect. A first meeting is different in different law office.
In Ohio your tax refund is part of your bankruptcy estate. It is important to understand how this works 1. If you file
Dear NACBA Member, YOUR ACTION IS NEEDED NOW! Later this week, key members of the House of Representatives will offer an amendment to the
Many times people leave their homes as soon as they receive a foreclosure notice. This is the wrong thing to do. Stay in your home People are scared and afraid of the notice. They are afraid they will not have a place to live.
Below is a copy of the Article that appeared in the October Issue of Dayton B 2 B SURVIVING BANKRUPTCY Getting through painful process
We have now beome a member of the Debtors Counsel Loss MItigation Web Portal. This should help us provide better contact with the mortgage modification departments.
The bankruptcy law requires that you complete a credit counseling course prior to filing. We try to make this easy on
Starting the week of July 27 Wayne Novick will begin a weekly blog fora National Bankruptcy Website My blogs will appear with a number of
Many of the ”so called mortgage modification companies” are nothing but scams. Generally if they are asking for money up front they are
You can watch my appearance on You and the Law by following the link http://www.datv.org/you_and_the_law.html One hour discussion on many bankruptcy topics
On October 5 2009 Wayne Novick will appear on cable TV live call in show You and the Law from 7 to 8. It will be on Channel 20 Please feel free to call in with any questions This show will repeat through the week and month
The most important thing to bring is everything. Completing a questionnaire gives the lawyer the best view of your problems . The more
