Posts by Kick & Gilman

I have a creditor that is going to sue me. What should I expect?

Posted in Bankruptcy

Once your creditor has filed the lawsuit, you have the right to defend the case and try to avoid having a judgment issued against you by the court. A judgment is a court order that says you owe the money and empowers the creditor to collect against you.      Once the judgment is issued, your creditor has several tools at their disposal for collecting the money owed. Here are some of the options: Debtor’s examination: Your creditor can obtain a court order that requires you to come to a court to answer questions about your assets under oath. You must attend the examination. If you...

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How do I stop harassing creditor telephone calls?

Posted in Bankruptcy

Several recent television shows and news articles have chronicled the practices of debt collectors and the incredible things that some do in using harassing telephone calls to try to convince their debtors to pay their bills. While it is true that not all debt collectors use these practices, it is very common for almost all debt collectors to use some version of the “collection call.” Often times, these calls only serve as an embarrassing and frustrating reminder of a debt that the debtor is unable to pay. First, it is important to understand that some such calls can violate law....

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“Why would they buy property from themselves?”

Posted in Estate Planning, Probate

  Have you ever looked at the property transfer records in your local newspaper? If so, you have probably come across a transfer of from a husband and wife to themselves. Many people wonder why a couple would go through the process of transferring property to themselves, mistakenly thinking they are somehow “buying property from themselves.”   What they are usually doing is making a new deed that will operate differently at death. Ohio law allows for a couple of different types of joint ownership. Traditional “joint tenancy” has each spouse owning half of the...

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