OHIO BANKRUPTCY LAW

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The Phones are now working 937436-260...

We experienced a two day issue where the office phones were down. Theya re now back up and running .  You can reach us at 937-436-2606

Phone Issues 937-436-2606 is not wor...

7.17.18 6:00 PM Good Evening If you have tried to reach us by telephone today or yesterday the phone number is not working .  You can call us at 937-478-3059 and leave a detailed message.  You can also email us at gratefullawyer@gmail.com or gratefullawyer2@gmail.com Thank you    Wayne Novick  

2017 Tax Refunds in Bankruptcy in Ohi...

In Ohio your tax refund is part of your bankruptcy estate. It is important to understand how this works: If you file a Chapter 7 Bankruptcy between October 2017 and April 2018 your 2017 tax refund or at least part of it belongs to the bankruptcy court. If you file your bankruptcy in October 83% […]

Hiring A Bankruptcy Attorneys 10 Thin...

10 THINGS TO CONSIDER WHEN HIRING A BANKRUPTCY ATTORNEY COMMUNICATION: Your bankruptcy attorney should be able to communicate with you so that you understand what you are doing. The filing of a bankruptcy petition is a difficult thing to do.  An individual should be able to understand the difference between the chapters and why one […]

Supreme Court : No Strip Off of Secon...

On June 1 The Supreme Court decided Bank of America vs Caulkett .  This decision will prevent a homeowner from removing a completely underwater second mortgage from the home through a Chapter 7.  This is not a change in a law in Ohio nor is it a change in the law for most of the country. There […]

Volunteer Lawyer Project On Bankruptc...

  Here is a video of a presentation I did for the Dayton Bar Association Volunteer Lawyer Project on bankruptcy.  The presentation goes over a lot of the basics of bankruptcy.  Enjoy.

How Many Credit Reporting Agencies Ar...

Most of us believe that there are only three credit reporting agencies.   The Big Three:  Equifax, Equicredit, and Transunion.  These are the main ones that can influence your ability to borrow money, how much you can borrow, and  at what interest rate.  Each of the Big Three maintain there own websites.  You can access […]

Bankruptcy Questions # 1. Do Married ...

The answer to the question is NO But the better question: Is it WISE to file bankruptcy without your spouse? Here are some of the issues that must be consider to determine if  Both Spouses have to file bankruptcy. Do you and your spouse have joint debt?   If both parties are on the debt or […]

Help with Paying Your Heating and Ele...

Every winter people struggle to pay their heating and electric bills.  It now seems the support services are overwhelmed with people seeking assistance.  The Dayton Daily News reports today that it is often difficult to get through in a timely manner to the right agency for help.  It seems persistence and luck play a factor. […]

IT IS THE TIME OF THE YEAR TO GET IT ...

This is a good time of the year to take a look at where you stand.  It is a good time to clean up your information about yourself. Where are all those life insurance policies, where are my passwords stored, what are my passwords. Have I looked at my will lately. Do I even have […]