Monday, December 21, 2020

What Happens at a Bankruptcy Hearing?

Even those who may have some familiarity with bankruptcy and what it can accomplish may not know what bankruptcy proceedings actually look like. As the bankruptcy filer, will you be expected in court to appear before the bankruptcy judge? Are court proceedings formal? Will you need to speak to them? The unknown can be stressful and the thought of personal involvement in formal court bankruptcy hearings can be intimidating, to say the least. Fortunately, many should be relieved to hear that the majority of individual bankruptcy filers will never have to go before the judge for a formal hearing. What, however, happens at the hearings that filers will have to attend?

What Happens at a Bankruptcy Hearing?

Again, most individual bankruptcy filers will never have to go before the bankruptcy judge. That being said, all filers are required to attend at least one official meeting during bankruptcy proceedings.
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Tuesday, November 17, 2020


Over the years, laws change. New laws can come into play and have a substantial impact on people and important issues. In 2005, the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA) was enacted. This important piece of legislation made major revisions to the U.S.

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Thursday, October 15, 2020

What Should I Ask My Bankruptcy Attorney?

The bankruptcy process can provide some much-needed relief from staggering financial pressure. Sometimes, for any number of reasons, we find ourselves struggling with things like making minimum payments on our outstanding debt obligations. When this happens, bankruptcy might be the key to a brighter financial future.

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Tuesday, September 29, 2020

Will the COVID-19 Pandemic Lead to a Flood of Bankruptcy Filings?

If you have seen the news at all lately, it appears to be more doom and gloom than usual. The COVID-19 pandemic persists. The economy is in a major slump. The impacts of social distancing measures imposed on business who have been able to reopen in the midst of the pandemic has had lasting impacts and businesses continue to struggle. Job loss has been rampant as a result.

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Tuesday, September 15, 2020

What Are the Most Common Reasons for Bankruptcy Filings?

Sometimes, even despite our best planning and efforts, we fall into financial difficulty. While scary to think about, it really can happen to anyone. When this happens, you may be unable to keep up with the minimum payments on your outstanding debt obligations.

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Monday, August 31, 2020

How Much Does it Cost to File Chapter 7 Bankruptcy in Ohio?

One of the most commonly asked questions relating to bankruptcy is, how much does it cost? This is understandable given that those seeking bankruptcy are in difficult financial situations and are turning to bankruptcy for some relief. Here, we will discuss the expenses associated with filing for Chapter 7 bankruptcy in Ohio.

How Much Does it Cost to File Chapter 7 Bankruptcy in Ohio?

There are several fees associated with filing Chapter 7 bankruptcy in Ohio that you should be aware of.
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Sunday, August 30, 2020

Rebuilding Your Credit After Bankruptcy

Bankruptcy can sound intimidating. It can, however, be an important lifeline for those struggling with meeting outstanding debt obligations. One thing people you may hear when others caution you about bankruptcy is the hit to your credit that you will incur. This may not be as dire as others make it sound. The benefits of bankruptcy can change a person’s life.
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Monday, June 29, 2020

How Many Times Can You File for Bankruptcy in Ohio?

Bankruptcy can provide much-needed relief to those who find themselves in a financial struggle. Post-bankruptcy can feel like a fresh start for a brighter financial future. What happens, however, if you find yourself in financial struggle once again? Life can get complicated and expensive.

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Thursday, June 25, 2020

Did Coronavirus Destroy Your Business? Bankruptcy Might Be the Answer

Can I erase my business debts with bankruptcy?

The coronavirus pandemic has proved devastating for businesses in many industries. Restaurants and retail stores found themselves forced to shutter their doors or offer curbside service only for months, and even now most businesses are struggling to get back to normal sales. An April survey conducted by the National Federation of Independent Business found that almost half of all businesses could be in danger of failing, with that number increasing from six in ten businesses should the pandemic last until Labor Day. With so much uncertainty surrounding the future and the ongoing spread of the virus, the reality is that many businesses simply will not survive the pandemic. If you are a small business that is failing, you may be wondering what your options are should your business close.
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Friday, May 29, 2020

How Do I File Chapter 7 Bankruptcy in Ohio?

Most of us know what it’s like to feel financial pressure. Sometimes, the pressure becomes all-consuming. You may find yourself struggling to make ends meet. You might reach the point where you are unable to make minimum payments on your outstanding debts. If this is your situation, bankruptcy may provide a fresh start to a better, stronger financial future.
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Tuesday, April 28, 2020

A Surge of Bankruptcies Will Likely Follow the Coronavirus Pandemic

What impact will the stimulus bill have on consumer bankruptcies?

The coronavirus pandemic has brought about financial ruin for many Americans. Currently, it is estimated that over 16 million people are unemployed, a figure that might grow in coming months. The sheer number of jobs lost due to the pandemic and the ensuing shuttered businesses is simply unprecedented. Bankruptcy attorneys and other experts in the field are bracing themselves for a surge of bankruptcy filings over the summer months to come. OurRead more . . .

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Miami Valley Bankruptcy, Brian Lusardi, Esq., assists clients with Bankruptcy matters including but not limited to: Common Myths, Cost of Bankruptcy, Chapter 7 Bankruptcy, Chapter 13 Bankruptcy, The New Bankruptcy Law and Personal Bankruptcy in Xenia, Ohio, and the cities of: Wilberforce, Alpha, Spring Valley, Dayton, Bellbrook, Yellow Springs, Cedarville, Fairborn and Clifton; and the counties of Greene and Montgomery.

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