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2014

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.

Hotel Bartender with $17K in Debt Settled for Less

We recently helped a debtor who had over $17,000 in debt. Our client was a hotel bartender whose case was heard in Cuyahoga County Court of Common Pleas. Unfortunately, he had several other past due accounts, some of which were with the creditor and some of which were being handled by collection agencies. Our client did not dispute owing the money. We argued that our client’s low income would mean Read More

Case Against Debt Settlement Company Working for State of Ohio

We recently resolved a case against a debt settlement company that was working for the State of Ohio in an illegal manner outside of court. The company was charging fees in excess of what O.R.C. 4710 permits. The company also was not licensed as a foreign business in the State of Ohio, and they engaged in deceptive conduct to retain the consumer. Ultimately this debt settlement company did not settle Read More

Debt Settlement Agreement Reduces Client’s Balance to 25% of Alleged Amount

We recently represented a marketing salesman in Franklin County Municipal Court. His case pertained to $13,500 and he had been harassed by Midland Funding, a debt buyer, in several ways – multiple rude phone calls and improper conduct. We were able to settle this case out of court. Our defense focused on the following: Midland Funding did not have the proper documentation to prove that it owned the account, The Read More

Lawsuit Against Debt Settlement Company for Violating FCRA Resolved

We recently wrapped up a lawsuit against a debt settlement company for being in violation of the Fair Credit Reporting Act (FCRA). Like many of these types of lawsuits, the case was settled for a confidential amount. The case involved a conspiracy between multiple companies to impermissibly access our client’s credit report in order to market debt settlement services to him. Consumer law attorney Jeremiah Heck alleged that the defendants, Read More

Student Loan Debt Reduced

A wife and mother of two who was a Luftman, Heck & Associates debt consolidation client became overextended with student loan debt when she lost the income from her babysitting job. The woman had a $23,000 private student loan through RBS/Citizens Bank. The bank sent the loan to collections when it became past due, and the woman started experiencing harassing phone calls. She decided to talk to Attorney Jeremiah Heck, Read More

Debt Settlement Reduces $100,000 Credit Card Debt

A married couple was leading a successful life earning more than $100,000 per year. But when hit with a 30 percent pay cut, they quickly became overwhelmed. Debts that previously were manageable became burdensome now that they were earning significantly less money. Together, they had more than $100,000 in credit card debt. They wanted to avoid bankruptcy and the toll that would take on their lives, but they needed to Read More

Young Man’s Debt Problems Resolved

A mother who had successfully undergone a debt consolidation with the help of Luftman, Heck & Associates was worried when she saw her son fall into financial turmoil. She pleaded with him to take a step toward solving his debt problems by calling LHA to learn about all of his options. The son called Attorney Jeremiah Heck and explained that he was out of work for six months. He was Read More

Debtor Defense Leads to Reduced Bill

Ohio debtor defense attorney Jeremiah Heck helped a marketing salesman to settle an alleged $13,500 debt for less than 25 percent of the balance owed. The salesman was sued in the Franklin County Municipal Court by Midland Funding, a company that buys unpaid debts and then aggressively attempts to collect them. The company previously had harassed the salesman with multiple phone calls and rude conduct. The suit claimed that he Read More

Debt Settlement Practices Lawsuit Settled

After more than two years of litigation, Ohio consumer law attorney Jeremiah Heck settled a lawsuit against a debt settlement company over violations of the Fair Credit Reporting Act. At the heart of the suit was a conspiracy between multiple companies to access a man’s credit report in ways that aren’t permitted. They did so for the purpose of trying to market debt settlement services to him. Heck and his Read More