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Can’t Pay Your Bills? We Can Help You Get Relief

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Everyone knows when they are in over their heads financially. You know when things are going wrong and are out of your control. Many factors can cause this situation.  Many people just wait and hope that nothing bad happens.  The creditors keep calling. You hope they will just go away. Creditors will relentlessly try to collect from you and every time they sell your loan the situation becomes more confusing. Debts do not go away on their own.

There are steps you can take to protect yourself.  It’s certainly best not to wait to react to a financial crisis after it has occurred, such as a wage garnishment, bank levy, car repo or home foreclosure.

Obtain a copy of your credit report. This can be done every year for free.  Even old accounts can lead to lawsuit.  Check the public record section of your credit report to see if there are lawsuits filed against you.  Is your current employer listed on your credit report?  Collection agencies and creditors will do their best to search for this information and your credit report will be the first place they will look.

Keep your bank accounts to a minimum if you have outstanding debts. Today creditors can more easily levy bank accounts and no longer have to levy the branch where you opened your account.  They simply have to provide the corporate office with the judicial order authorizing the bank levy.  Once they levy your bank account you will not be able to get these fund back, even if you file for bankruptcy. If this has happened to you, call us. A bankruptcy filing will stop wage garnishments, and bank levies.

We have free consultations. Once you retain this office you may refer your creditors to us to verify that we have been retained by you for a bankruptcy filing. Just retaining the office will not stop current wage garnishments or bank levies.  You must file your case as soon as possible to stop these actions.

Be prepared, don’t just sit back and let your creditors take control of your financial destiny.  Take control of your own finances. Bankruptcy is not the end of the world. Good people just like you have found financial relief and asset protection through bankruptcy. Many feel it is rock bottom. In reality, bankruptcy offers a new beginning and fresh financial start.

 

Overwhelming Debt? Bankruptcy may be right for You.

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Are you struggling with debt?  The phone calls begin in the morning and continue all day?  The stack of new bills in the mail become confusing as creditors sell your debts to new collectors who do not identify who they are collecting for?  Does it not matter anyway, as you cannot pay them?

Many factors can lead to overwhelming debt: illness, divorce, job loss, cuts in overtime, car problems, etc.  There is HOPE! Bankruptcy may be a way to get a fresh financial start. Several hundred thousand people file in the U.S. every year.

Chapter 7 and Chapter 13 are the most common consumer bankruptcy filings.  We have consultations. Sit down with one of our experienced attorneys and discuss what option is best given your unique situation.

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For more information contact us at 513-752-3900.

Contact your Eastgate and Middletown, Ohio  bankruptcy attorney today to see if bankruptcy is the fresh start you need!

Bankruptcy & Foreclosure

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FACING FORECLOSURE? WE CAN HELP!

Job loss, a medical emergency or any number of other issues can cause you to fall behind on your mortgage payments. A mortgage company usually will not start a forclosure until you get about 3 to 4 months behind on your mortgage.  Once a foreclosure is started it will take approximately 6 months for it to complete.  In foreclosure your home will be auctioned and transferred out of your name.  But you can stop this process.

The problem that caused you to get behind may now be resolved but you may still be behind on your mortgage.  Your mortgage lender will almost want all delinquent funds paid in a lump sum before stopping the foreclosure.  Most people are not able to come up with this large sum of money. A chapter 13 will stop the foreclosure and force your mortgage holder to accept back payments over a three year period.

If you are considering withdrawing retirement savings to save your home STOP! This could be a very costly mistake. First, schedule a free consultation with one of our attorneys to discuss your options.

CHAPTER 13 BANKRUPTCY CAN HELP

Once you are behind on your mortgage almost all lenders want all the back payments paid at once.  Few people have these funds available.  This is when you need to consult with a bankruptcy attorney.  Chapter 13 bankruptcy is available.  Chapter 13 can save your home. Once you are under the protection of Chapter 13 your mortgage company must stop all foreclosure proceedings.  Through your bankruptcy case you will have 3 years to pay back the arrears to your mortgage lender.  Your mortgage company must comply with these rules and must stop the foreclosure.

As to your unsecured debts, Chapter 13 can help you with that too. You will be only paying back a percentage of your unsecured debt and at no interest.

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If you are struggling with your mortgage or other debts call us today.  We offer a free consultation, fair fees and monthly payment plans.  We can help you get out of debt and save your home.

Time for a fresh financial start!

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We are bankruptcy attorneys located in Eastgate and Middletown, Ohio. Since 1992, we have served the people of the Greater Cincinnati area.

Can you never get ahead and are always struggling?   Do you start to get ahead and an emergency comes along and you have to use credit cards again?  Or maybe you don’t have enough income to cover your monthly expenses and debts? If you didn’t have all of those debts, would have the funds to make it through each month?

Do you think it is time for a fresh start? Bankruptcy can provide this for you.  There is no reason to keep struggling.

If you are struggling, consider a bankruptcy filing.  Many mistakenly believe they will lose everything they own.  This is simply not true.  Hundreds of thousands of people file for bankrupt in the United States each year – it is just not something that people go around talking about.  Most of your assets will be protected under bankruptcy exemptions.

What exactly is bankruptcy?  Bankruptcy is a federal law which will allow you to discharge your debts, wipe them clean, and get a fresh financial start!.  There are two main chapters for consumers, Chapter 7 and Chapter 13.

CHAPTER 7

Chapter 7 is the most common chapter.  Under this chapter you discharge all of your unsecured debts and get a fresh financial start.  You will not have to pay any of your debts.  Once you receive your discharge the creditors cannot harass you in anyway, including sending you bills, calling you, taking you to court or garnishing your wages.

CHAPTER 13

Chapter 13 can save your home from foreclosure or prevent repossession of your vehicle.  Under this chapter you make a monthly payment to the Chapter 13 Trustee and they disburse this money monthly to your creditors.  You pay back a portion of your unsecured debts at anywhere from 1% to 100%.  After you complete your case you receive a discharge of debts and a report of all debts which were discharged through the case.

MORE INFORMATION

Call 513-752-3900 to schedule your free consultation with an experienced bankruptcy lawyer. We have 2 convenient offices – Eastgate, Clermont County & Middletown, Ohio. Since 1992,  Keegan & Company Attorneys has helped thousands of people protect assets and enjoy relief from overwhelming debt.