Blog
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Can I Discharge Any Debt in a Divorce Decree? [2025 Update]
As seasoned bankruptcy attorneys, we can help clients who have already been divorced prior to filing for bankrupcy. Let’s uncover the answer to this common bankruptcy question, centering our reply around chapter 7 and chapter 13 bankruptcy, the most common options for an individual in financial straits. For those whose unsecured debt exceeds standard limits, chapter 11 is also an option.
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Is Inflation Forcing You Into Bankruptcy?
While inflation has seesawed over the past few years, and has dropped again this year, headed towards pre-pandemic lows, it could be that the financial strain is only now taking its toll. Truth be told, it’s been decades since we experienced those highs.
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Bankruptcy Questions Answered: What if Your Ex-Spouse Files for Bankruptcy?
Divorce and bankruptcy can be difficult and arduous paths, whether they’re taken jointly or individually. If you find yourself divorced and learn that your ex-spouse is filing for chapter 7 or chapter 13 bankruptcy, your first thought might be whether it will affect you somehow. The answer is, it depends. In this article we’ll get into the variables at play and how they can determine the...
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5 Common Misconceptions About the Chapter 7 Bankruptcy Process
Here at Hausen Law, our experienced chapter 7 bankruptcy lawyers have heard it all, and we’re ready to set the record straight.
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Bankruptcy Questions Answered: How Does Bankruptcy Affect Co-Signers?
Naturally, you don’t want to negatively impact the person who helped you out by co-signing some of your debt. At Hausen Law our bankruptcy attorneys understand the struggle and they’re here with sound advice and what to know about filing for bankruptcy in Ohio, especially when you have a co-signer.
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Bankruptcy Questions: Is Credit Counseling Required to File Bankruptcy in Ohio?
Perhaps you’ve heard about credit counseling that is required after a bankruptcy case, but you may not be familiar with counseling being a prerequisite prior to filing bankruptcy in Ohio. Today we’re answering that question. So, do you need to take a credit counseling program in order to file for bankruptcy in Ohio?
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How Bankruptcy Affects Your Taxes
Whether you expect to get a refund or you owe, and whether you are up-to-date on tax payments or not, there’s a lot to consider when it comes to the wide world of taxes and bankruptcy. We'll break it down in this article.
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Budgeting After Bankruptcy
Now that you're free from debt, what's next? How do you improve your credit and handle money better? At Hausen Law, Ohio bankruptcy attorney James Hausen and his team offer help with practical advice and tools.
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Bankruptcy Questions Answered: Can Bankruptcy Stop Eviction?
If you’re facing eviction and find yourself in tough financial circumstances, you could be wondering if filing for bankruptcy in Ohio could help your situation. In this article we’ll uncover the truth about eviction and both chapter 7 and chapter 13 bankruptcy.
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Bankruptcy Questions Answered: What Property Is Exempt In Chapter 7 and Chapter 13 Bankruptcy?
Individuals who file for bankruptcy in Ohio are entitled to exemptions on property that they need to rebuild their financial health. We’ll discuss what the average Ohioan can expect as exempt property in a chapter 7 or chapter 13 bankruptcy filing.
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Bankruptcy Questions Answered: How Do I Prevent Foreclosure With Bankruptcy?
At Hausen Law our bankruptcy attorneys understand, and we’re here to help explain what to know if you’re facing both foreclosure and bankruptcy.
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Bankruptcy Questions Answered: Can Bankruptcy Keep My Utilities On?
Financial struggles that prevent you from paying bills in full and on time can quickly lead to threats and notices from your local gas, water, telephone or electricity provider. At Hausen Law, we understand what you’re up against. Here’s our best advice for how to deal with threats of utility shutoff when you’re already struggling.
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Bankruptcy Questions Answered: How Does Bankruptcy Affect Alimony?
Plenty of clients wonder how a chapter 7 or chapter 13 bankruptcy affects alimony. Here we’ll get into what to expect.
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Bankruptcy Questions Answered: Will I Be Able To Keep My Retirement Account By Filing Bankruptcy?
After working for years–or a lifetime–to accrue the funds that will carry you comfortably through retirement, the thought of losing these is frightening. In this article we’ll lay out what you need to know about retirement accounts and bankruptcy.
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The Truth About Bankruptcy, from a Local Ohio Bankruptcy Lawyer
James F. Hausen is happy to announce his inaugural book, The Truth About Bankruptcy In Ohio. In its pages he relates specific examples of the types of situations in which bankruptcy can turn a person’s life around, helping them get on the track to financial stability. If you or someone you know is struggling with debt and aren’t clear on how bankruptcy can help, pick up a copy of The Truth About Bankruptcy In Ohio.
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Easy Ways to Rebuild Your Credit After Bankruptcy: Using Financial Tools
Recovering financially from the inevitable credit hit after filing for chapter 7 or chapter 13 bankruptcy in Ohio can be a difficult task. That’s why we’re here to help. Let’s see how using financial tools to your advantage can jumpstart credit recovery.
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Easy Ways to Rebuild Your Credit After Bankruptcy: Learning New Habits
Check out our top tips for building good financial habits and increasing financial literacy to get back on the right track. Stay tuned to learn how to use financial tools to your best advantage.
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Bankruptcy Questions Answered: Can I File Bankruptcy After Running Up Credit Card Debt?
Can I file for bankruptcy after the holidays because of credit card debt?
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How Big is My Household?
This vital number is at the heart of any bankruptcy proceeding. Here’s the truth about household size and bankruptcy from a chapter 7 bankruptcy lawyer.
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Bankruptcy Questions Answered: Should I File for Bankruptcy? – Advantages and Benefits
Could there be ways that a bankruptcy filing could be strategic? The short answer: yes! In this article we’ll get into some of the immediate and long term advantages and benefits that a bankruptcy attorney can help you to take advantage of.
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Top 5 Reasons for a Bankruptcy Filing
Some of the root causes of bankruptcy are out of the average person’s control, and more often than not several factors combine to create a financial circumstance that feels hopeless. But this is why bankruptcy was created–it’s a safeguard and a way to start anew. Here are the top 5 reasons that people find themselves facing bankruptcy.
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Bankruptcy Questions Answered: What is a Preference Payment in Bankruptcy?
If you find yourself staring down insurmountable debt, a natural reaction could be to throw whatever money you do have toward one or more creditors in a desperate attempt to solve the problem. The sooner you make one source of debt disappear, the quicker you can get on the road to financial recovery, right? Well, as with so many things, the answer is that it depends on several factors–a major one being if you end up needing to or are already planning to file for bankruptcy.
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Does Filing For Bankruptcy Affect My Employment Now and in the Future?
You may be wondering if or how a bankruptcy record could affect your future employment opportunities. Taking a comprehensive approach to your current and future financial and employment situation is always a good idea. But before you get overwhelmed, know that with some steady legal advice and a professional by your side, you can successfully navigate through.
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Bankruptcy Questions Answered: I Was Forced Into Chapter 13 Bankruptcy Due to Disposable Income––Should I Still File?
There are several reasons why a person may decide to file for chapter 13 bankruptcy above any other type. Put simply, if you find yourself in what feels like insurmountable debt, but your income level and monthly disposable income disqualify you from filing for chapter 7 bankruptcy, then chapter 13 bankruptcy is generally your best option.
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Bankruptcy Questions Answered: If I’m Planning to File for Bankruptcy, Can I Still Take a (Pre-Paid) Vacation?
If you’re facing bankruptcy in the near future, it could sound like a great idea to take off and enjoy life for a bit, before things get real––the complexities of bankruptcy can weigh anyone down. But is it okay to head out on a vacation before filing for bankruptcy? There are some key factors that surround this question, and we’re here to explain.
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