Posts By: Russ Cope

A Story About Bankruptcy in Dayton, Ohio

I see people every day.  People with pride, work-ethic, and humility.  Unfortunately, many of these people have fallen on hard times.  They are distressed and worried about providing for their families.  I met John and his wife Sandy early in 2011.  They developed careers working for the GM plant, Delphi, in Moraine, just south of… Read more »

Ohio Foreclosure Timeline: How Fast Can the Bank Foreclose?

Ohio Foreclosure Process Timeline

Last updated March 29, 2018. The foreclosure process is complex and intimidating. When will you have to leave? When is it too late to reverse the process? How long does foreclosure take in Ohio? If you’re worried about losing your home to foreclosure, check out this guide to the foreclosure process in Ohio. Ohio Foreclosure… Read more »

Ohio Homestead Exemption in Bankruptcy

Homestead exemptions have been enacted in most states to protect homeowners from their creditors. Outside of bankruptcy, a homestead exemption protects your primary residence from judgment creditors. Inside the bankruptcy process, the homestead exemption prevents the trustee from selling your home to satisfy creditor claims. The basic idea behind the homestead exemption, and exemptions in general,… Read more »

Bankruptcy exemptions: can a trustee or one of my creditors object?

Can a trustee or creditor object to an exemption? When you file for Chapter 7 bankruptcy, or “straight bankruptcy”, the bankruptcy trustee evaluates all of your assets to see whether there is anything that can be used to pay back unsecured creditors. In most cases we see, our clients are able to keep all of… Read more »

Drunk Driving Debts Can’t be Discharged in Bankruptcy

Last updated Nov. 30, 2018. Filing for bankruptcy lets you start over with a clean financial slate. Debt collectors’ and creditors’ phone calls, lawsuits, foreclosures, and repossessions stop when you file, and the court steps between you and your creditors. The biggest benefit of filing for bankruptcy is that your debts are legally wiped out. Whether you file… Read more »