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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.

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

Aggressive Hospital Debt Collection Practices

The high cost of health care is well known. And while politicians argue, working families face staggering medical bills that, if left unpaid, subject them to increasingly aggressive debt collections from hospitals and collection agencies. If you are struggling with medical debt, you need to understand your legal rights and options. The Ohio debt collections attorneys at Luftman, Heck & Associates, LLP can help resolve your debts and protect you Read More

Dealing with Medical Debt Collection

Medical debt can be overwhelming, especially if it is a significant amount. Medical debt collection practices are also becoming increasingly aggressive. This can take a toll on your finances and cause a great deal of stress. Fortunately, there are ways you can get out from under and improve your financial situation. If you’re struggling with medical debt and getting calls and letters from debt collectors, it is in your best Read More

When to Request a Debt Validation

When people are dealing with collection agencies, they often don’t know their rights or how to assert them. One of the most important tools that you have is the right to demand the debt collector verify the debt they claim you owe. The debt collection lawyers at Luftman, Heck & Associates know how overwhelming it can be to deal with aggressive debt collectors. We fight to protect your rights and Read More

Can an Attorney Negotiate with My Creditors?

Financial difficulties can create an incredible amount of stress, and many people don’t know what to do. As debt management attorneys, we understand this uncertainty and see people struggling every day. Debt settlement companies may seem like an attractive option, but be aware that your creditors aren’t obligated to speak with them or accept their proposed settlements. In fact, many creditors accelerate their efforts to collect once contacted by a Read More

Is Credit Card Consolidation Right for You?

Now that the holidays are over, many of us are left struggling to pay our bills. It is yet another reminder of how massive debt can crush your spirits and cripple your finances. If you’re like many Americans who find themselves with credit card payments that exceed their monthly paycheck amounts, you may want to look into credit card consolidation. There are a number of credit card consolidation options available, Read More

How to Tell if Your Creditors are ‘Overbiffing’ Your Debt

Unfortunately, debt collectors have a reputation for using illegal tactics to confuse or intimidate debtors into paying money they may not owe. These deceitful and unfair collection practices come in all shapes and sizes, with new ones constantly being thought up. Most recently, a tactic called ‘overbiffing’ has gained popularity and refers to tricking consumers into paying more than their “Balance in Full” or BIF. If you believe you’ve been Read More

10 Things You Need to Know About the Fair Debt Collections Practices Act

Debt collectors, although attempting to collect primarily legitimate debts, have garnered a reputation for harassing consumers by using unfair, abusive, and sometimes deceptive practices. Due to the pervasive use of these tactics, Congress passed the Fair Debt Collection Practices Act (FDCPA) in 1977 –– designed to stop illegitimate and harassing practices. Essentially, the FDCPA limits when and how debt collectors can contact customers and third parties about personal and household Read More

What Should I Do If A Debt Collector Robocalls Me?

Federal law permits debt collectors to use an auto dialer when calling consumers. This auto dialer “robocalls” people, and when the line is answered, a prerecorded message informs the consumer about their debt. The reason debt collectors use this device is because it is capable of dialing several numbers quickly, leaving more time for collectors to speak to actual people instead of listening to the line ring or leaving numerous Read More