Adrienne M. Hines

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Adrienne M. Hines
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Esq.
Sandusky
Bankruptcy Law
Calhoun, Kademenos, & Childress Co. LPA
502 West Washington Street
Sandusky
OH
44870

How do I know when I need to talk to an attorney about my finances?
If you are experiencing difficulty making ends meet on a regular basis, or if you are receiving calls and collection letters from creditors, or if you have to use credit cards to purchase groceries or pay for everyday living expenses, it’s time to seek financial counsel. Before you try to take out a debt consolidation loan, a home equity loan, or borrow from an IRA or 401K, see an attorney. Many people can avoid bankruptcy altogether by talking to a qualified attorney early.

What questions should I ask when finding the right bankruptcy attorney?
Make sure you do more than “price shop”.  Court costs for filing bankruptcy are standard across the United States but attorney fees will vary. You should ask what is included in the fees. Will someone attend your hearing with you? Are the costs for mandatory credit counseling included? Will you have to buy your credit report yourself? What is the attorney’s reputation? Fees are like everything else in life… you get what you pay for.

What does a creditor have to do in order to garnish my paychecks or bank accounts?
A creditor must first sue you and get a judgment against you in your local court before they can even consider garnishing your paychecks or bank account. Debt collectors use the threat of garnishments to scare you but no one can garnish your paycheck unless they have actually sued you.  A bankruptcy will stop a garnishment. The exception would be if you owe money to the bank where you keep your checking or savings accounts and this should be explained to you fully by your bankruptcy attorney.

Will I be able to keep my home & car if I file bankruptcy?
Usually, yes. Houses and Cars, for the most part, are only at risk if there is “significant” equity in them at the time of filing. State laws vary but everyone has exemptions in their personal property that protect their homes, cars, 401(k)’s etc. Generally, few people have enough equity in their homes or cars to worry about them in bankruptcy. The important thing to know is that you should continue to make the payments if you want to keep them.

Adrienne M. Hines
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Adrienne M. Hines
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