Go to Top

Debt Collections

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

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

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

7 Most Common FDCPA Violations by Debt Collectors

The Fair Debt Collection Practices Act (FDCPA) was conceived to protect consumers from abusive, deceptive, or unfair tactics of debt collection agencies. Despite the fact that these agencies must follow federal law, they often neglect to perform within the standards to which the FDCPA holds them. In its recent annual report, the Consumer Financial Protection Bureau (CFPB) stated that “The Bureau received approximately 75,200 complaints about first-party and third-party debt Read More

10 Times You Can Sue a Debt Collector in Ohio

That sinking feeling in the pit of your stomach that comes with debt collection calls is probably causing you some sleepless nights. You may believe these debt collectors can do whatever they want to do to collect. But that simply isn’t the case. Per the FDCPA, collectors have strict limits under the law. And when they disregard these laws, they could end up on the wrong side of a debt Read More

How to Vacate a Judgment in Ohio

Learning that you have a judgment over a debt is one of the most stressful events that someone can experience. This is especially true if you never knew you were being sued. Now your credit rating is being dragged down and you’re wondering what you can do. The unfortunate reality is that once a judgment is on your credit report, it’s there to stay except in some very narrow circumstances. Read More

What Fees Can a Debt Collector Charge?

People in debt often find themselves in situations where their debt has been sold or charged off to a third-party debt collector. Unfortunately, these people typically see the original amount owed significantly increased after it goes to collections. This is commonly due to interest, fees, and charges, but they are not always valid or handled by reputable collection agencies. You should consult a knowledgable Ohio debt lawyer to determine whether Read More

7 Ways Millennials Can Deal with Debt

If you’re a millennial dealing with debt, you are definitely not alone. The average millennial has some type of debt that prevents them from saving for the future. If you’re in debt, there’s a good chance you’re delaying many important life milestones like getting married or buying a house because you simply can’t afford them. The good news for millennials is there are strategies for dealing with debt to improve Read More