Ohio Bankruptcy Alternatives

The landscape of personal bankruptcy is changing. Each year since 2000, Ohio bankruptcy law has grown more conservative toward debtors in bankruptcy. The Supreme Court of Ohio mirrors this trend through their opinions expressed in court judgments that limit or abolish longstanding individual rights. With the current generation of the Bankruptcy Abuse Prevention and Consumer Protection Acts now pending before The House and The Senate, debtors should expect additional limitations on protection afford individuals by the U.S. Bankruptcy Courts in Ohio. As an alternative to bankruptcy, debtors may find effective options through third party, commercial services. Generally, third party assistance will improve credit ratings somewhat while filing bankruptcy destroys credit ratings for several years. The following resources may be worthy of consideration. The sites below were reviewed for relevancy and content pertaining to Ohio bankruptcy issues and laws. For more information regarding our selection of resources, please see our review policy. If you have further questions, do not hesitate to email us at admin@ohio-bankruptcy-laws.com. We welcome all submissions.  Approved sites will be included within 3 business days.

Financial Issues - Recommended Sites:

1. 0% apr Credit Card Balance transfers - Compare market leading credit card offers and apply online.
2. Advanced Surveillance Group - Michigan private detectives specializing in surveillance and background checks.
3. Auto Loan Calculator - Step-by-step guide to car buying and financing, with detailed explanations and instant online loan quotes.
4. Automobile Loan Financing Online - Online car loan options for people with good or bad credit.
5. Bad Credit Debt Consolidation - Offers those with credit problems a way out of debt.
6. BadCredit.US.com - Bad Credit Specialists - Provides bad credit loans and mortgages to high risk creditors, including those with previous bankruptcy histories.
7. Bankruptcy Software 2004 - Offers an intuitive, yet powerful, solution for US bankruptcy attorneys. Running under all versions of Microsoft Windows.
8. California Auto Insurance - An in-depth guide to California auto insurance, driving laws, and free car insurance quotes.
9. California Personal Injury Lawyers - California personal injury lawyers, Bisnar & Chase, LLP, handling serious personal injury throughout California.
10. Canada mortgage lender - Canadian mortgage lender with guaranteed loans.
11. CarLoansAmerica.com - Car Loans and Auto Finance - Car Loans Online, we are your first choice for Auto Finance and Bad Credit Auto Loans.
12. Chapter 7 Bankruptcy - Offers general overview on chapter 7 bankruptcy.
13. Credit Card Debt - Apply today and save thousands with our credit card debt relief programs.
14. Debt Consolidation Resources, LoansandDebts.com - Pay off high interest debt by consolidating.
15. Debt Consolidation - Banksafe provides debt consolidation counceling and articles relating to financial security.
16. Debt Consolidation - A licensed nonprofit debt consolidation company will help you consolidate debt quickly and avoid filing personal bankruptcy.
17. Debt Consolidation - Offers debt consolidation services for loans and credit card bills.
18. Debt reduction, Tax negotiation | Consumer Debt Group - Specialists in debt reduction and tax negotiation services.
19. Mortgage Lenders Plus.com - Nationwide Directory of Mortgage Lenders Organized by State. Get a Free Quote. Auto, Credit Card, and Personal Loans Available.
20. My Free Mortgage Help - Help getting the lowest mortgage refinance rates on the internet, plus free help with the most relevant refinance mortgage information available.
21. Refinance - Consolidating all your debts into this new Refinance Loan will save you money, both monthly and over the life of the loan.
22. Sell your Home Fsbo - Provides legal forms, deeds, liens, buyer tools, agent information, and property listings.
23. Tax Resolution Specialist - Dick Norton - Tax return preparation, tax consultation, tax controversy resolution and assistance with IRS audits, IRS collection, Franchise Tax Board (FTB) or EDD audits.
24. The Bankruptcy Law Firm - Los Angeles Bankruptcy Lawyers - Los Angeles Bankruptcy Lawyers - Former California Bankruptcy Judge handling bankruptcy for consumers and creditors throughout Southern California.

Recent Notable Opinions from Ohio Bankruptcy Courts

Brown v. Brooks, Case No. 97-16744 Chapter 7, Adversary No. 01-1389, decided January 3, 2003 by the Ohio Bankruptcy Court for the Southern District. Ex-husband Brown filed an adversary proceeding in connection with a Chapter 7 case filed by Brooks, his former wife. In Chapter 7, Brooks requested discharge of her debts created by the decree of dissolution of marriage (and agreed separation agreement within). In particular, Brown sought a determination of non-dischargeable status while Brooks responded with a motion for summary judgment discharging the adversary proceeding. The Ohio Bankruptcy Court for the Southern District held: The Creditor has the burden of proof to show a debt is nondischargeable under 11 U.S.C. 523(a). Once the Creditor establishes the debt may be covered by this section, the burden of proof shifts to the debtor, who must show, by clear and convincing evidence, any applicable exception which may allow discharge. Hart v. Molino (In re Molino) 225 B.R. 904, 907 (B.A.P. 6th Cir. 1198). In this particular case, because The Husband/Creditor provided proof (A) the debt arose from a dissolution decree, and (B) all rights to spousal support where waived. Because of custom drafting of agreements included within the agreed separation agreement, the Ohio Bankruptcy Court found a genuine issue of fact and required strict proof of all applicable exceptions.

Recent Notable Opinions of the Supreme Court of The United States:

Young v. United States, Docket Number: 00-1567 IN THE SUPREME COURT OF THE UNITED STATES, Argued January 9, 2002, Decided March 4, 2002. Cornelius and Suzanne Young failed to include payment with their 1992 income tax return filed on October 15, 1993. After filing Ch. 13, the IRS assessed tax liability and the Ch. 13 case was later dismissed for their inability to pay taxes through the plan. A new case initiated under Ch. 7 resulted in discharge of the Young's debts. Under the Code, the IRS generally maintains a priority for payment  for taxes due within three years of filing a petition under 11 USC 507(a)(8)(A)(i). This priority renders recent taxes non-dischargeable according to 11 U.S.C. 523(a)(1)(A). When the IRS subsequently demanded payment after the Ch. 7 discharge, the Youngs filed a motion to reopen their Chapter 7 case and specifically discharge all taxes demanded because liability arose before the 11 U.S.C. 507(a)(8)(A)(i) three-year look-back period. The District Court found for the IRS, holding the look-back period was tolled while the Ch. 13 case was pending, and further concluded the 1992 debt had not been eliminated by the Young's Ch. 7 discharge even though no objection to discharge was filed. The Court of Appeals affirmed the Ohio Bankruptcy Court. Held: In a unanimous opinion delivered by Justice Antonin Scalia, the Court determined the 11 U.S.C. 507(a)(8)(A)(i) look-back period was tolled during the pendency of the Chapter 13 case upon the filing of the petition. Justice Scalia reasoned the look-back period was tolled by operation of law because the Code does not explicitly prohibit equitable tolling in favor of the IRS. The implication of this decision affects all Ohio bankruptcy cases. The look-back period applicable to taxes assessed by the State of Ohio are also presumably tolled by initiating any Ohio bankruptcy proceeding.