Go to Top

Personal Finance

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.

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 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

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

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

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

What Happens at a Wage Garnishment Hearing?

When you can’t pay your bills, creditors will do whatever they can to collect debts owed to them. If you’re working, they may seek to garnish your wages. Should this happen, you have the right under Ohio law to ask the court for a wage garnishment exemption hearing to try and stop the garnishment, or at least limit how much money the creditor can take. In such a difficult financial Read More

How to Stop Student Loan Wage Garnishment?

Wage garnishment on a student loan puts you in a seemingly hopeless position. You work hard to earn a living, but you can never seem to get ahead. While you expect your income to cover life’s essentials, a portion is applied to past due student loans before you ever see it. If you can’t pay your current bills, the vicious cycle may continue well into your future. Fortunately, there are Read More