Hamilton County, OH Bankruptcy & Debt Lawyers

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Henry D. Acciani Lawyer

Henry D. Acciani

Accident & Injury, Bankruptcy & Debt, Social Security, Estate

Mr. Acciani is a personal injury attorney and founding Partner at the law offices of O’Connor, Acciani and Levy—having created the firm in 1992. ... (more)

Mark E. Godbey Lawyer
Mark E. Godbey
is a Top Attorney Award winner at Attorney.com. Only 5% have the elite qualifications. Click the badge for more info.

Mark E. Godbey

Mark E. Godbey is a Top Attorney Award winner at Attorney.com. Only 5% have the elite qualifications. Click the badge for more info.
VERIFIED
Accident & Injury, Estate Planning, Wills & Probate, Bankruptcy & Debt, Divorce & Family Law
Full-service law firm representing individuals and small business throughout Greater Cincinnati

Mark Edward Godbey is a native of Cincinnati, Ohio and owner of Godbey Law LLC. Our law firm is a full service, general practice firm, serving clients... (more)

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800-873-5610

Tonya Shur VanBenschoten Lawyer

Tonya Shur VanBenschoten

VERIFIED
Divorce & Family Law, Bankruptcy & Debt, Wills & Probate, Estate Planning, Collaborative Law

Tonya handles all aspects of family law- divorce, dissolution, separation, custody and support. She has extensive experience with each element from... (more)

John W. Rose

Real Estate, Bankruptcy, Bankruptcy & Debt
Status:  In Good Standing           

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Justin C. Walker

Real Estate, DUI-DWI, Criminal, Bankruptcy & Debt
Status:  In Good Standing           

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Michael Paul Larez

Divorce, Consumer Bankruptcy
Status:  In Good Standing           

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Michael Allen Brown

Land Use & Zoning, Contract, Credit & Debt, Landlord-Tenant
Status:  In Good Standing           

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Nick Zingarelli

Bankruptcy & Debt, Litigation, Personal Injury, Slip & Fall Accident
Status:  In Good Standing           

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Patrick J. Conway

Foreclosure, Credit & Debt, Bankruptcy, Bankruptcy & Debt
Status:  In Good Standing           

FREE CONSULTATION 

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Ryan John Ruehle

Estate Planning, Criminal, Business Organization, Bankruptcy
Status:  In Good Standing           

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LEGAL TERMS

TRADE NAME

The official name of a business, the one it uses on its letterhead and bank account when not dealing with consumers.

FAIR CREDIT REPORTING ACT (FCRA)

A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to a... (more...)
A federal law that is designed to prevent inaccurate or obsolete information from entering or remaining in a credit report. The law requires credit bureaus to adopt reasonable procedures for gathering, maintaining and disseminating information and bars credit bureaus from reporting negative information that is older than seven years, except a bankruptcy, which may be reported for ten. If you notify a credit bureau of an error in your credit report, the FCRA requires the bureau to investigate your allegations within 30 days, review all information you provide, remove inaccurate and unverified information and adopt procedures to keep the information from reappearing. In addition, the law requires that creditors refrain from reporting incorrect information to credit bureaus.

DISPOSABLE INCOME

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Ch... (more...)
The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Chapter 13 plan.

LIEN

The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortg... (more...)
The right of a secured creditor to grab a specific item of property if you don't pay a debt. Liens you agree to are called security interests, and include mortgages, home equity loans, car loans and personal loans for which you pledge property to guarantee repayment. Liens created without your consent are called nonconsensual liens, and include judgment liens (liens filed by a creditor who has sued you and obtained a judgment), tax liens and mechanics liens (liens filed by a contractor who worked on your house but wasn't paid).

BANKRUPTCY

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are ... (more...)
A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are two types of bankruptcies -- liquidation, in which your debts are wiped out (discharged) and reorganization, in which you provide the court with a plan for how you intend to repay your debts. For both consumers and business, liquidation bankruptcy is called Chapter 7. For consumers, reorganization bankruptcy is called Chapter 13. Reorganization bankruptcy for consumers with an extraordinary amount of debt and for businesses is called Chapter 11. Reorganization bankruptcy for family farmers is called Chapter 12.

NONDISCHARGEABLE DEBTS

Debts that cannot be erased by filing for bankruptcy. If you file for Chapter 7 bankruptcy, these debts will remain when your case is over. If you file for Chap... (more...)
Debts that cannot be erased by filing for bankruptcy. If you file for Chapter 7 bankruptcy, these debts will remain when your case is over. If you file for Chapter 13 bankruptcy, the nondischargeable debts will have to be paid in full during your plan or you will have a balance at the end of your case. Examples of nondischargeable debts include alimony and child support, most income tax debts, many student loans and debts for personal injury or death caused by drunk driving. Compare dischargeable debts.

MEETING OF CREDITORS

A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a f... (more...)
A meeting held with the bankruptcy trustee about a month after you file for bankruptcy. You must attend. The trustee reviews your bankruptcy papers and asks a few questions. In a Chapter 7, the meeting of creditors lasts a few minutes and rarely do any creditors show up. In a Chapter 13 bankruptcy, one or two creditors may attend, especially if they disagree with some provision of your repayment plan.

COSIGNER

A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for t... (more...)
A person who signs his or her name to a loan agreement, lease or credit application. If the primary debtor does not pay, the cosigner is fully responsible for the loan or debt. Many people use cosigners to qualify for a loan or credit card. Landlords may require a cosigner when renting to a student or someone with a poor credit history.

FORBEARANCE

Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily ... (more...)
Voluntarily refraining from doing something, such as asserting a legal right. For example, a creditor may forbear on its right to collect a debt by temporarily postponing or reducing the borrower's payments.