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Consumer Law Blog

Contact us today!In this blog, we publish articles and stories that we believe you may find useful and pertinent to the areas of debt management, bankruptcy, debt collections, foreclosure, and creditor harassment. If you have any topic suggestions or ideas for articles that you would like to learn more about, please feel free to send us an email at advice@ohiodebthelp.com.

Medical Debt is a Big Problem for Many Ohioans

Seventy-nine million Americans face overwhelming medical debt. According to The Commonwealth Fund, approximately 41% of people in Ohio and throughout the United States have trouble paying off medical debt. Anyone Can Have Medical Debt Issues People of all ages and in nearly every income bracket face problems with medical debt: 53% of low-income people ages 19 to 64 56% of moderate-income people ages 19 to 64 39% of middle-income people Read More

10 Debt Warning Signs You Shouldn’t Ignore

Debt can be scary. It can be tempting to sweep it under the rug and try to avoid it. It’s easy to ignore all the phone calls and letters from collections agencies. However, these actions can lead to even more problems down the road. Read below to learn ten debt warning signs you shouldn’t ignore. 1. You Don’t Know How Much Debt You Have If you’re getting invoices or bills Read More

How to Review & Reduce Your Debts

It’s easy to let your debts get out of control. According to Experian, the average American has over $92,000 in debt. It is possible to review and reduce your debts using some of the suggestions below. If you have questions about what steps you should take to manage your debt, contact a debt dispute lawyer at Luftman, Heck & Associates. Call today at 614-224-1500 or use our online contact form Read More

Can You Sue for Mistakes on Your Credit Report?

Mistakes happen, but when they occur on your credit report, the consequences are huge. Credit reporting agencies like Experian, TransUnion, and Equifax are legally required to fix mistakes on your credit report. However, they don’t always follow through. When they don’t, you may be able to sue them. If you have a mistake on your credit report, contact an Ohio debt management attorney at Luftman, Heck & Associates. For now, Read More

Chapter 13 for Ohio Business Owners

Although the word “bankruptcy” often conjures up images of a shuttered business, the truth is that many Ohio business owners use bankruptcy to stay afloat. Restructuring debts can often keep businesses running while still paying creditors. In other words, they can keep their livelihoods and put a stop to the endless calls from debt collectors. It is also essential to understand that filing for Chapter 13 bankruptcy can be complicated. Read More

Ohio Chapter 7 Bankruptcy Exemptions: What You Can Keep?

When you think about filing for bankruptcy, you probably imagine losing everything – your home, your car, even your income. Popular media has depicted bankruptcy this way for years. But this is not the case. In Ohio, you are allowed to protect some or maybe even all of your property through bankruptcy exemptions. The monetary values of the items you can exempt and the items themselves are subject to various Read More

Is Student Loan Discharge in Bankruptcy Possible?

You’ve probably resigned yourself to paying your student loans for decades. No matter how bad your financial situation, you know they aren’t going away. Bankruptcy can help with a credit card, medical, mortgage, and other debts, but not with student loans. Historically, private and federal student loans can’t be canceled by bankruptcy. That could all be changing, though. A few court decisions have recently made it clear that there are Read More

How to Stop Debt Collectors Over the Holidays

It’s never a good time to hear from debt collectors, but it is worse over the holidays. As economic hardships caused by the global pandemic increase, you may have gotten behind on your payments. Fortunately, the law provides a way to stop debt collection efforts. Falling on hard times can happen to anyone, especially during a global health crisis. You’ve dealt with enough stress without being harassed. Call an Ohio Read More

The Laws that Protect You from Creditor Harassment

Too many people in Ohio are struggling with debt and facing creditor harassment. If you are one of them, you are probably asking yourself what you can do to make it stop. Fortunately, several federal and state laws restrict the tactics and behavior of debt collectors. There is also a process for filing complaints when debt collectors cross the line. Hiring a lawyer can also ease the stress of dealing Read More