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After you’ve filed for bankruptcy, creditors must immediately put an end to their collection efforts. Unfortunately, this typically does not occur, and you may continue to be harassed by creditors calling after bankruptcy. If you are frustrated by creditors interfering in your life after bankruptcy, you should reach out to a Cleveland bankruptcy lawyer at Luftman, Heck & Associates. Call us today at to schedule a no-cost case assessment and Read More

The post What Should I Do About Creditors Calling After Bankruptcy? appeared first on Cleveland Ohio Bankruptcy Attorneys.

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Tax time isn’t the most enjoyable part of spring, especially for those who end up owing the IRS. It can be even more dreadful if you can’t afford to pay everything that you owe. The IRS can decide to hit you with interest on the balance due, and they may even assess a late payment penalty. If that happens, you’re stuck paying even more money than before. Read below to Read More

The post What Happens If You Owe Taxes and Can’t Pay Them? appeared first on Cleveland Ohio Bankruptcy Attorneys.

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Filing for Chapter 7 or Chapter 13 bankruptcy is a complex process that requires the guidance of a highly skilled bankruptcy attorney. An attorney can evaluate your situation and help you determine which type of bankruptcy makes sense for you. They can also support you with all of the paperwork and decisions you will need to make so that you can eventually make your way out of debt. Here is Read More

The post How to Find a Bankruptcy Attorney Near Me? appeared first on Cleveland Ohio Bankruptcy Attorneys.

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At Luftman, Heck & Associates, our Cleveland bankruptcy attorneys recently assisted a man from Oklahoma after a debt collection company filed a lawsuit and began garnishing his wages. Even though the man lived in another state, this collector used a very old address from Ohio, essentially making him unaware of the lawsuit or judgment until money was taken out of his check. To hopefully stop this unscrupulous activity, LHA began Read More

The post Wage Garnishment Stopped After Out-of-State Judgement appeared first on Cleveland Ohio Bankruptcy Attorneys.

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People who are considering filing for bankruptcy often think about what they need to do to prepare for their case, such as gathering their bills, collecting paystubs, and maybe even looking up an experienced Cleveland bankruptcy lawyer. Our experienced lawyers at Luftman, Heck & Associates can help. Call us at . There are also several things you should definitely not do if you’re thinking about bankruptcy. To ensure your case Read More

The post 5 Things You Should Not Do If You’re Thinking About Bankruptcy appeared first on Cleveland Ohio Bankruptcy Attorneys.

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Opening a credit account is as easy: you fill out a quick application, and a few weeks later you get a little card in the mail. Nothing to it, right? Well, not exactly. Considering that outstanding credit card debt for U.S. households has reached over $1 trillion in 2017, opening a new credit card should not be a decision you make lightly. Whether you’re getting your first card or adding Read More

The post 10 Things to Consider When Opening a New Credit Card Account appeared first on Cleveland Ohio Bankruptcy Attorneys.

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LHA’s Kristina Kuzmickas is coordinating the second annual #StoshyStrong Shave-a-Thon on Saturday, September 9 from 4-7 p.m. at PJ McIntyre’s Irish Pub in Cleveland, Ohio. The event is held in honor of Kristina Kuzmickas’ son and Paul Kuzmickas’ cousin, Stanley Feeney. The Kuzmickas family has been involved with the St. Baldrick’s Foundation since Stanley was diagnosed with leukemia at just 13 months old. When this happened, they decided it they Read More

The post Luftman, Heck & Associates Takes Part in St. Baldrick’s Shave-a-Thon appeared first on Cleveland Ohio Bankruptcy Attorneys.

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Chances are, if you’ve filed for bankruptcy, it’s because you’ve endured the crippling weight of your bills for a long time and you’re longing to find some relief. While a bankruptcy discharge can provide help by either wiping your debts clean or setting you up with an affordable payment plan, it does not come without its own disadvantages. A bankruptcy stays on your credit report for up to ten years Read More

The post How to Buy a Home After Bankruptcy appeared first on Cleveland Ohio Bankruptcy Attorneys.

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If you’re being threatened with collection action – including wage garnishment – you may want to consider bankruptcy. Bankruptcy puts an automatic stay on your accounts so that creditors cannot continue with collection actions. But what happens once your bankruptcy has been dismissed or discharged? Will the wage garnishment resume? The Cleveland bankruptcy attorneys at Luftman, Heck & Associates can help you navigate this complex situation. Call us today at Read More

The post Can My Wages Be Garnished After Bankruptcy? appeared first on Cleveland Ohio Bankruptcy Attorneys.

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If you’re having financial difficulties and struggle with debt, you may be considering bankruptcy. While bankruptcy can help you achieve financial freedom, it does come with some downfalls. Because of this, you may ask yourself, how long will bankruptcy be on my credit report? A bankruptcy can significantly affect one’s life. It can stay on credit reports for many years and limit your ability to get a loan to pay Read More

The post How Long Will Bankruptcy Be on My Credit Report? appeared first on Cleveland Ohio Bankruptcy Attorneys.

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