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Legal 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.

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

Payday Loans in Ohio

Payday loans are short term high interest loans for small amounts of money, often ranging from $100-$1000. You’ve probably noticed “payday advance” storefronts in lower-income areas. This is not by accident. It’s an unfortunately effective strategy by payday lenders to take advantage of people more likely to have limited access to other forms of less expensive credit. Here’s their plan. A payday lender targets a lower-income area so that when 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

Statutes of Limitations in Ohio Debt Lawsuits

Imagine that years ago you had a trip to an ER in Columbus with a nasty flu. You waited for a couple of hours, were examined, given some fluids through an IV, and ultimately sent home. A month or so later, you got a medical bill for a lot more than you expected because the ER wasn’t in your insurance network. The bill was more than you could pay, so 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

Ohio School Closing: Student Loan & Financial Options

Cincinnati Christian University has announced that they intend to cease offering accredited academic programs after the Fall 2019 semester. As a result, many Ohio students are left in a scramble to understand their options. The decision to pursue a degree is a substantial investment of time and money, and the abrupt closure of an academic institution has lasting effects on the lives of those currently enrolled or recently withdrawn. A Read More