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Author Archives: Chris Owen

I Owe My Parents Money. Should I Pay Them Back Before Filing for Chapter 7 Bankruptcy?

When people fall on hard times, personally or financially, it is natural for them to turn to family members and friends for assistance. If you have borrowed money from any family members and end up filing for bankruptcy, you may be tempted to try to pay them back first. However, this might not be a […]

What Happens if I Transfer My Paid-in-Full Car to My Mother Before Filing for Bankruptcy?

If you recently transferred property (especially valuable property) out of your name, you might wonder if you should hold off filing for bankruptcy. In general, if you transferred property to another person before filing for bankruptcy protection, the bankruptcy trustee might be able to void that transfer and get the property back in your name […]

Know Your Rights to Protect Yourself from Debt Collection Scams

It’s an unfortunate reality that numerous debt collection scams are used to prey on unsuspecting victims across the United States. Under the Fair Debt Collection Practices Act, you have a variety of rights guaranteed to you to protect you from abusive or misleading tactics. Some of your rights as a debtor include the following: The […]

Income Requirements to File for Chapter 7 Bankruptcy

If you wish to file for Chapter 7 bankruptcy in Ohio, you must pass the state’s means test. If your income falls below the Ohio median for the size of your household, you automatically pass the test.  In most instances clients that are below the median household income are able to file for Chapter 7; […]

When Can You Discharge Taxes in a Bankruptcy Case?

In the right circumstances, bankruptcy can be an effective means of managing and discharging your tax debt. However, determining which taxes can be discharged at a given time is not always easy. The timing of your taxes will play a big role in your ability to discharge them. The taxes you discharge can include both […]

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