http://www.clevelandbankruptcylawyerblog.com/ Published by Justin M. Smith Co., LPA en-us 2008-12-22T19:55:01-05:00 http://www.clevelandbankruptcylawyerblog.com/2008/12/is_the_cleveland_housing_marke_1.html There may be hope on the horizon for Cleveland homeowners. Cleveland, Ohio was cited in the November 2008 issue of SmartMoney Magazine as one of twenty-five major cities in the United States that is poised to see its housing market... Foreclosure Justin M. Smith 2008-12-22T19:55:01-05:00 http://www.clevelandbankruptcylawyerblog.com/2008/12/ohio_is_not_alone_bankruptcies_1.html Ohio is not the only state experiencing a significant rise in the volume of bankruptcy filings in 2008. According to statistics recently released by the Administrative Office of the U.S. Courts, there were 967,831 bankruptcy cases filed during the twelve-month... Chapter 13 Bankruptcy Justin M. Smith 2008-12-08T14:52:26-05:00 http://www.clevelandbankruptcylawyerblog.com/2008/12/we_recommend_that_our_ohio_ban_1.html If you live in Ohio and are planning on filing for bankruptcy then a credit report can help you in several ways. Some of these include: 1. Ensuring that all creditors are listed and that the creditor names, addresses, type... Justin M. Smith 2008-12-01T21:03:50-05:00 http://www.clevelandbankruptcylawyerblog.com/2008/11/ohio_credit_concerns_how_long.html A commonly asked question about bankruptcy is how long will it affect a debtor’s credit report. A bankruptcy filing will generally be reported on your credit report for seven to ten years. A Chapter 13 (repayment plan) will usually be... Justin M. Smith 2008-11-11T22:37:16-05:00 http://www.clevelandbankruptcylawyerblog.com/2008/10/ohio_answer_the_phone_its_your_1.html The Vice President of a Cleveland, Ohio based regional bank recently told a friend of mine that his bank had called thousands of Ohio homeowners who were behind on their payments to discuss their options. Out of these thousands of... Foreclosure Justin M. Smith 2008-10-28T21:48:45-05:00 http://www.clevelandbankruptcylawyerblog.com/2008/09/ohio_senate_bill_281_increased_1.html Ohio Senate Bill 281 (“SB 281”) will become law in Ohio on September 30, 2008. This is good news for those in Ohio seeking bankruptcy protection. The most important aspect of SB 281 is that it increases several exemptions available... Justin M. Smith 2008-09-24T08:00:00-05:00 http://www.clevelandbankruptcylawyerblog.com/2008/09/cleveland_akron_and_youngstown_1.html If you live in Cleveland, Akron or Youngstown and find yourself considering bankruptcy, then you are certainly not alone. Bankruptcy filings in Northeast Ohio are on the rise and at their highest level since the surge just before the new... Chapter 7 Bankruptcy Justin M. Smith 2008-09-23T22:00:41-05:00 http://www.clevelandbankruptcylawyerblog.com/2008/07/many_ohioans_ask_how_can_i_aff.html Many Ohioans face the same conundrum ...if I can't pay my bills, then how can I afford to pay the attorney and filing fee to go bankrupt? Once you have resolved to file bankruptcy, then you may be able to... Justin M. Smith 2008-07-02T14:43:06-05:00 http://www.clevelandbankruptcylawyerblog.com/2008/06/ohio_homeowners_facing_foreclo.html There is no denying that Ohio is facing a serious housing crisis and foreclosure filings in Northeast Ohio are at record levels. Unfortunately, many homeowners facing foreclosure simply abandon their home or surrender it to the lender. If you are... Foreclosure Justin M. Smith 2008-06-27T10:21:21-05:00 http://www.clevelandbankruptcylawyerblog.com/2008/06/dont_give_up_your_retirement_funds_unnecessarily.html There are important Ohio exemptions that may protect your retirement fund in bankruptcy. It is unfortunate that many people make the mistake of waiting too long to consult an attorney when they find themselves unable to pay their bills. Instead... Chapter 7 Bankruptcy Justin M. Smith 2008-06-20T08:01:00-05:00