Bankruptcy
Bankruptcy and the Required Credit Counseling and Debtors’ Education Courses
Bankruptcy and the Required Credit Counseling and Debtors’ Education Courses All bankruptcies are governed by the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005. The law requires that every person who files for bankruptcy undergo mandatory credit...
What are reaffirmation agreements?
What are reaffirmation agreements? Once a debt has been discharged in an Ohio bankruptcy, according to the law, the debtor is no longer obligated to pay that debt. In certain cases, however, the debtor may wish to pay the debt anyway, even though it has been legally...
The Down Low on the Different Types of Bankruptcy
What kind of bankruptcy do I need to file? The federal government is an excellent source of valuable information when it comes to filing bankruptcy. On the official website for the federal courts, www.USCourts.gov, the federal government provides you with all of the...
Will filing bankruptcy ruin my security clearance?
Can members of the U.S. military, or civilians that work on bases, such as Wright-Pat here in Dayton, declare bankruptcy without affecting their security clearances? Members of the U.S. military, as well as civilian personnel and civilian contractors working for the...
What happens to my Student Loans if I file for bankruptcy in Ohio?
In any Bankruptcy Court, not just in Dayton, Ohio, the court will protect you from student loan creditors. Once the case is filed, the court issues what is called an “Automatic Stay”, which prohibits any creditors, including student debt collectors, from taking any...
Bankruptcy & Divorce, which first?
Bankruptcy and Divorce Lets take the following hypothetical situation: Ryan and Lauren are married but soon to be divorced. Ryan is planning on moving from the marital residence in Miamisburg, Ohio, to Tennessee with his new girlfriend Jennifer. Lauren has already...
Social Security Disability benefit overpayments can be discharged in personal bankruptcy
Social Security Disability benefit overpayments discharged in personal bankruptcy Many of our clients are currently receiving benefits from the Social Security Administration because they are permanently disabled. So, what if Social Security attorney, John T....
Can I file my bankruptcy in Springfield, or do I have to drive to Dayton?
Where can you file your Chapter 7 bankruptcy or your Chapter 13 bankruptcy? Debbie just moved to Dayton, Ohio, from her hometown, Cincinnati, Ohio. She is not sure if she wants to stay in Dayton. She may decide to take a pay-cut and return to Cincinnati, where her...
Can I file for bankruptcy a second or third time?
Is an Ohio resident allowed to file for bankruptcy again? You can file for personal bankruptcy as many times and as often as you would like. However, the court will not issue a discharge or maintain the Automatic Stay unless you meet the statutory guidelines. The...
Will my income tax refund be taken if I file bankruptcy?
When considering personal bankruptcy, many clients ask, “Will my income tax refund be taken?” The answer to that question is that, “it depends”, regardless of whether you are filing an Ohio Chapter 7 bankruptcy or an Ohio Chapter 13 bankruptcy. Whether an individual’s...
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Law Offices of John T. Nicholson
Beavercreek
4461 Dayton Xenia Road
Dayton, OH 45432-1805
(937) 432-9775
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Columbus
1041 Dublin Rd #103
Columbus, OH 43215
(614) 384-5800
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Trotwood
2541 Shiloh Springs Road
Dayton, OH 45426
(937) 524-5922
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Kettering
5335 Far Hills Ave., Ste. 108
Kettering, OH 45429
(937) 524-5922
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Piqua
430 N Wayne St
Piqua, OH 45356
(937) 325-8500
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Springfield
150 N Limestone St #217
Springfield, OH 45501
(937) 325-8500
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Troy
22 N Market St
Troy, OH 45373
(937) 524-5922
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Mailing Address
P.O. Box 41450
Dayton, OH 45441
FAX: 1-800-801-1205
Beavercreek Office
4461 Dayton Xenia Road
Dayton, OH 45432-1805
(937) 432-9775
Map & Directions
Cincinnati Office
2021 Auburn Ave., Suite 105
Cincinnati, OH 45219
(513) 276-4677
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Columbus Office
1041 Dublin Rd #103
Columbus, OH 43215
(614) 384-5800
Map & Directions
Franklin Office
8 Stadia Drive
Franklin, OH 45005
(937) 432-9775
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Kettering Office
5335 Far Hills Ave., Ste. 108
Kettering, OH 45429
(937) 524-5922
Map & Directions
Piqua Office
430 N Wayne St
Piqua, OH 45356
(937) 325-8500
Map & Directions
Springfield Office
150 N Limestone St #217
Springfield, OH 45501
(937) 325-8500
Map & Directions
Trotwood Office
2541 Shiloh Springs Road
Dayton, OH 45426
(937) 524-5922
Map & Directions
Troy Office
22 N Market St
Troy, OH 45373
(937) 524-5922
Map & Directions
West Chester Office
7103 Cincinnati Columbus Rd
Cincinnati, OH 45069
(513) 276-4677
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