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October 2018 Archives

Can foreclosure scammers take my home?

Ohio homeowners who face the specter of foreclosure may, in desperation, turn to any party that claims they can get the property owner out of their financial jam and save the owner's home. Unfortunately, what could happen instead is that your deed ends up in the hand of the scammer and you end up out in the street. In many cases, homeowners willingly sign over their deeds for the promise of a foreclosure rescue that never comes.

Can I fight a debt that wasn’t mine?

It can be difficult to make ends meet each month without the added stress of extra debt. You might be juggling credit card bills, medical payments and student loan debt, which can make it especially frustrating if you start receiving mail and phone calls for something you didn’t spend money on. Should you be forced to endure creditor harassment or make payments on a debt that isn’t yours? This is not an uncommon occurrence for residents of Ohio and elsewhere, so you may be interested in learning how to deal with this issue.

Why is credit counseling required prior to bankruptcy?

If you are like most in Dayton who struggle with debt, the prospect of having to seek bankruptcy protection may not be attractive, yet also may appear to be your only option if you hope to get a handle on your financial situation again. Your concerns might come from an assumption that the government is more than willing to offer you bankruptcy protection as a way out, when in reality, the bankruptcy code is designed to offer you several options to deal with your debt. 

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